What loan types does GTE Federal Credit Union offer?

GTE Federal Credit Union offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does GTE Federal Credit Union offer mortgages?

GTE Federal Credit Union offers mortgages in 1 states: FL.

How competitive are GTE Federal Credit Union's mortgage rates?

GTE Federal Credit Union has an overall pricing score of 47.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is GTE Federal Credit Union?

GTE Federal Credit Union is a Credit Union headquartered in Tampa, FL.

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GTE Federal Credit Union

Credit Union•Tampa, FLHQ•Direct•Reviews near you on Google

GTE Federal Credit Union has 387 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Single State · 7 mkts

Explore another lender or local market

Report Card

GTE Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+12.6 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 7 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	371	95.9%	+0.122%Above	$1,333Fees
FHA Loans	Sound	Sound	—	Acceptable	10	2.6%	+0.264%Above	$454Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume371

Mix95.9%

Spread

+0.122%Above

Fees

$1,333Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume10

Mix2.6%

Spread

+0.264%Above

Fees

$454Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	227	58.7%	+0.013%Above	$1,227Fees
Refinance	Sound	Strong	Acceptable	Sound	160	41.3%	+0.297%Above	$1,268Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume227

Mix58.7%

Spread

+0.013%Above

Fees

$1,227Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume160

Mix41.3%

Spread

+0.297%Above

Fees

$1,268Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

387

Applications

827

Volume

$102 million

Pricing & Closing

Avg Rate Spread

+0.126%

vs. market APOR

Avg Net Fees

$1,243

Origination − Credits

Pullthrough Rate

46.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$265,775

Avg Borrower Income

$116,235

Avg Property Value

$411,434

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

1© Interface Multimedia, Inc. · CC BY-SA 4.0

Tampa, FLMetro

Volume 209Mix 54.01% of portfolio

81/100

Exceptional

St. Petersburg, FLMetro

Volume 69Mix 17.83% of portfolio

73/100

Strong

Homosassa Springs, FLMetro

Volume 16Mix 4.13% of portfolio

58/100

Sound

Lakeland, FLMetro

Volume 23Mix 5.94% of portfolio

56/100

Sound

Ocala, FLMetro

Volume 17Mix 4.39% of portfolio

53/100

Sound

North Port, FLMetro

Volume 18Mix 4.65% of portfolio

51/100

Sound

Orlando, FLMetro

Volume 11Mix 2.84% of portfolio

42/100

Sound

Top States by Place Specialization Score

FloridaState

Volume 387Mix 100.00% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.