GTE Federal Credit Union mortgage approval rate & lending review
GTE Federal Credit Union decided 5,532 mortgage applications and funded 3,628 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions GTE Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
GTE Federal Credit Union at a glance
Approval is 10.2 points below the 77.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 1,730 / 2,041 | 98% | $275K | 1,696 |
| Home improvement loans | 57% | 225 / 394 | 95% | $55K | 214 |
| Cash-out refinance | 51% | 711 / 1,405 | 95% | $75K | 677 |
| Refinance | 65% | 956 / 1,472 | 99% | $95K | 943 |
| Investment property purchase | 74% | 48 / 65 | 94% | $185K | 45 |
| Investment cash-out refinance | 36% | 27 / 76 | 100% | $105K | 27 |
| Investment refinance | 35% | 19 / 54 | 100% | $55K | 19 |
| Investment home improvement | 28% | 7 / 25 | 100% | $55K | 7 |
GTE Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 63% | $95K | 4,386 | 2,697 |
| California | 85% | $215K | 463 | 382 |
| Tennessee | 82% | $225K | 89 | 72 |
| Arizona | 82% | $165K | 76 | 61 |
| Washington | 87% | $225K | 76 | 65 |
| Oregon | 82% | $305K | 49 | 40 |
| North Carolina | 82% | $185K | 45 | 35 |
| New Jersey | 75% | $205K | 40 | 30 |
| Maryland | 78% | $205K | 37 | 28 |
| Nevada | 87% | $265K | 31 | 26 |
| Utah | 84% | $185K | 31 | 25 |
| Georgia | 86% | $245K | 29 | 24 |
| Colorado | 96% | $195K | 25 | 24 |
| Delaware | 77% | $105K | 22 | 16 |
| Idaho | 77% | $195K | 22 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where GTE Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, FL | Mortgage lenders | 84% | 366 | 304 |
| Hillsborough County, FL | Cash-out refinance | 47% | 563 | 249 |
| Hillsborough County, FL | Refinance | 54% | 456 | 245 |
| Pasco County, FL | Mortgage lenders | 84% | 209 | 172 |
| Pinellas County, FL | Refinance | 69% | 227 | 157 |
| Pinellas County, FL | Mortgage lenders | 87% | 159 | 138 |
| Pinellas County, FL | Cash-out refinance | 60% | 242 | 137 |
| Pasco County, FL | Cash-out refinance | 51% | 233 | 117 |
| Pasco County, FL | Refinance | 66% | 158 | 103 |
| Hernando County, FL | Mortgage lenders | 92% | 60 | 53 |
| Hillsborough County, FL | Home improvement loans | 50% | 105 | 51 |
| Polk County, FL | Refinance | 51% | 73 | 37 |
The county markets where GTE Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about GTE Federal Credit Union
What is GTE Federal Credit Union's mortgage approval rate?
GTE Federal Credit Union approved 67.3% of the 5,532 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points below the 77.5% national rate for the same mix of loan types.
How often do borrowers take the loan GTE Federal Credit Union offers?
Borrowers accepted 97% of the loans GTE Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does GTE Federal Credit Union make?
The typical home purchase mortgage loan GTE Federal Credit Union made was $275K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does GTE Federal Credit Union lend?
GTE Federal Credit Union decided applications in 35 of the states Fat Boy Data covers, most of them in Florida, California and Tennessee.
Can I apply to GTE Federal Credit Union directly?
Yes. GTE Federal Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show GTE Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how GTE Federal Credit Union treats applications, then get a rate quote from the lender.