Applications / Mortgage Analytics / Lenders / Florida / GTE Federal Credit Union
Tampa, FL · Credit union · NCUA · $3.0 billion assets · 2,102 loans in 2025
GTE Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,102
loans originated, 2025
3,616
applications, 2025
36
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
GTE Federal Credit Union is a Tampa credit union whose lending leans on other-purpose loans, 47.1% of the total, and whose yearly volume has changed little since 2018.
Other-purpose loans made up 47.1% of its lending, home purchases 26.3%, refinances 18.6% and home improvement 8.0%. It made 2,122 loans in 2018 and 2,102 in 2025. Originations rose 4%, while similar lenders (credit unions making between half and twice as many loans) grew 11% and the whole market 10%.
Its typical rate was 8.00% against 7.00% at similar lenders, higher than about nine in ten of them, and 3.4% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%, down from 17.4% a year earlier. Other-purpose loans and manufactured homes, 4.1% of its loans against 0.4%, usually carry higher rates than first mortgages and could account for most of the difference.
Of its loans, 25.6% were in majority-minority areas, against 12.0% at similar lenders, and 16.0% in LMI (low- and moderate-income) areas, near the middle. LMI borrowers received 18.3%, against 27.0%, lower than more than four in five; other-purpose loans to existing owners with more income could account for this.
It lent in 36 states and 167 metros. At home it ranked 46 of 925 lenders in Tampa-St. Petersburg-Clearwater, and it has lent in Los Angeles-Long Beach-Anaheim since 2022, ranking 325 of 757.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. GTE Federal Credit Union took 3,616 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.1% · Purchase 26.3% · Refinance 18.6% · Home improvement 8.0%
Conventional 98.6% · FHA 1.3% · VA 0.0% · of 2,102 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 933 | 44.4% |
| California | 430 | 20.5% |
| Washington | 89 | 4.2% |
| Tennessee | 86 | 4.1% |
| Arizona | 78 | 3.7% |
| Maryland | 69 | 3.3% |
| Oregon | 65 | 3.1% |
| North Carolina | 59 | 2.8% |
| Georgia | 31 | 1.5% |
| Colorado | 29 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 468 |
| St. Petersburg-Clearwater-Largo | 156 |
| Los Angeles-Long Beach-Glendale | 88 |
| Phoenix-Mesa-Chandler | 60 |
| Nashville-Davidson--Murfreesboro--Franklin | 55 |
| Portland-Vancouver-Hillsboro | 55 |
| Sacramento-Roseville-Folsom | 51 |
| Lakeland-Winter Haven | 49 |
| Riverside-San Bernardino-Ontario | 48 |
| Baltimore-Columbia-Towson | 43 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZIQ24V0C88AC41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 84073 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5196 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: GTE Federal Credit Union's data.
GTE Federal Credit Union's data
$215
GTE Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy GTE Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]