Gte Federal Credit Union Mortgage Rates, Fees & Info

Tampa, FL

LEI: 549300ZIQ24V0C88AC41

Tax ID: 59-0642956

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Gte Federal Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Gte Federal Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Tampa, Los Angeles, Miami, North Port, and Lakeland among others. We have data for 146 markets. (Some data included below & more in-depth data is available with an active subscription.)

Gte Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Gte Federal Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.63% 10/23/24
30 Year Conventional Purchase 6.62% 10/23/24
30 Year Conventional Refi 6.85% 10/23/24
30 Year Cash-out Refi 6.77% 10/23/24
30 Year FHA Purchase 7.86% 10/23/24
30 Year VA Purchase 6.27% 10/23/24
15 Year Conventional Purchase 7.41% 10/23/24
15 Year Conventional Refi 7.32% 10/23/24
15 Year Cash-out Refi 7.32% 10/23/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Gte Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Gte Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,320

Origination Dollar Volume (All Markets)

$323,300,000
Show all (5) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1,086 $133,160,000 $122,615 $2,546 5.55%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 85 $18,045,000 $212,294 $0 5.41%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 132 $17,570,000 $133,106 $3,951 5.73%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 92 $12,250,000 $133,152 $2,502 5.35%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 89 $11,695,000 $131,404 $3,073 5.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 61 $8,715,000 $142,869 $0 5.09%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 37 $7,345,000 $198,514 $3,300 5.34%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 38 $6,650,000 $175,000 $0 5.47%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 35 $6,095,000 $174,143 $0 5.72%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 30 $5,660,000 $188,667 $0 5.65%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 29 $4,785,000 $165,000 $0 5.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 25 $4,655,000 $186,200 $0 6.79%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 31 $4,355,000 $140,484 $2,948 5.18%
OCALA, FL (FHA|USDA|VA) 27 $4,195,000 $155,370 $3,476 5.09%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 20 $3,600,000 $180,000 $0 5.36%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 16 $3,290,000 $205,625 $0 5.20%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 20 $3,200,000 $160,000 $0 5.38%
BOISE CITY, ID (FHA|USDA|VA) 17 $2,905,000 $170,882 $0 5.24%
SALT LAKE CITY, UT (FHA|USDA|VA) 18 $2,750,000 $152,778 $0 5.17%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 26 $2,740,000 $105,385 $0 7.62%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 21 $2,635,000 $125,476 $0 6.34%
RALEIGH-CARY, NC (FHA|USDA|VA) 16 $2,470,000 $154,375 $0 7.40%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 15 $2,195,000 $146,333 $0 4.58%
KNOXVILLE, TN (FHA|USDA|VA) 9 $1,895,000 $210,556 $0 6.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 14 $1,850,000 $132,143 $0 5.35%
PROVO-OREM, UT (FHA|USDA|VA) 12 $1,830,000 $152,500 $0 4.44%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $1,765,000 $196,111 $0 5.19%
JACKSONVILLE, FL (FHA|USDA|VA) 12 $1,710,000 $142,500 $4,856 6.01%
Outside of Metro Areas 6 $1,710,000 $285,000 $0 6.95%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $1,630,000 $135,833 $3,019 5.79%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,390,000 $231,667 $4,725 4.40%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $1,215,000 $135,000 $3,927 4.96%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,879 4.60%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 8 $1,140,000 $142,500 $0 5.71%
VALLEJO, CA (FHA|USDA|VA) 8 $1,070,000 $133,750 $0 5.81%
STOCKTON, CA (FHA|USDA|VA) 6 $980,000 $163,333 $0 5.54%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $930,000 $232,500 $0 5.93%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $920,000 $230,000 $0 6.43%
SALINAS, CA (FHA|USDA|VA) 4 $890,000 $222,500 $0 5.56%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $870,000 $145,000 $0 7.49%
RENO, NV (FHA|USDA|VA) 5 $855,000 $171,000 $0 5.99%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $855,000 $171,000 $0 6.15%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $810,000 $405,000 $0 4.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $795,000 $159,000 $0 6.94%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $780,000 $195,000 $2,698 5.62%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 8 $760,000 $95,000 $0 6.87%
Outside of Metro Areas 8 $700,000 $87,500 $0 6.62%
COLUMBUS, OH (FHA|USDA|VA) 5 $685,000 $137,000 $0 7.89%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 4 $680,000 $170,000 $0 5.49%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $680,000 $340,000 $0 6.75%
Heber, UT (FHA|USDA|VA) 2 $680,000 $340,000 $0 4.87%
FRESNO, CA (FHA|USDA|VA) 3 $625,000 $208,333 $0 4.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $565,000 $188,333 $0 6.41%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $560,000 $140,000 $0 6.25%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $555,000 $185,000 $0 6.16%
CHICO, CA (FHA|USDA|VA) 2 $540,000 $270,000 $0 6.00%
Astoria, OR (FHA|USDA|VA) 2 $540,000 $270,000 $0 4.37%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.24%
Burley, ID (FHA|USDA|VA) 1 $475,000 $475,000 $0 4.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $465,000 $155,000 $0 4.82%
MISSOULA, MT (FHA|USDA|VA) 2 $460,000 $230,000 $0 5.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $460,000 $115,000 $2,409 6.09%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $455,000 $151,667 $5,106 7.79%
GAINESVILLE, FL (FHA|USDA|VA) 5 $425,000 $85,000 $2,468 5.19%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $410,000 $68,333 $0 5.08%
Sandpoint, ID (FHA|USDA|VA) 2 $410,000 $205,000 $0 4.75%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $405,000 $81,000 $0 6.84%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $380,000 $190,000 $0 7.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $365,000 $73,000 $0 6.14%
Key West, FL (FHA|USDA|VA) 2 $360,000 $180,000 $0 5.00%
BEND, OR (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.00%
ST. GEORGE, UT (FHA|USDA|VA) 4 $340,000 $85,000 $0 5.24%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $330,000 $165,000 $2,341 5.69%
PITTSBURGH, PA (FHA|USDA|VA) 3 $325,000 $108,333 $0 7.82%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $325,000 $108,333 $0 5.91%
PANAMA CITY, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,703 3.50%
TWIN FALLS, ID (FHA|USDA|VA) 3 $295,000 $98,333 $0 6.74%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $290,000 $72,500 $0 8.24%
Dublin, GA (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.24%
Rexburg, ID (FHA|USDA|VA) 2 $280,000 $140,000 $0 5.25%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $275,000 $91,667 $0 5.91%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $265,000 $88,333 $0 8.82%
Palatka, FL (FHA|USDA|VA) 1 $265,000 $265,000 $5,582 7.25%
MODESTO, CA (FHA|USDA|VA) 2 $260,000 $130,000 $0 6.00%
TUCSON, AZ (FHA|USDA|VA) 2 $260,000 $130,000 $0 7.74%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.99%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $250,000 $125,000 $0 6.00%
Shelby, NC (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.24%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.99%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.50%
Forest City, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.24%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.24%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $215,000 $71,667 $0 4.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $215,000 $71,667 $0 7.49%
Hailey, ID (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.75%
Marion, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.75%
MERCED, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.24%
CLEVELAND, TN (FHA|USDA|VA) 2 $200,000 $100,000 $0 8.12%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.49%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $190,000 $95,000 $0 6.50%
Meadville, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.75%
Kalispell, MT (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.99%
Bozeman, MT (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.75%
REDDING, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.74%
SAVANNAH, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.49%
Winnemucca, NV (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.74%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $150,000 $75,000 $0 6.62%
MADERA, CA (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.74%
Hood River, OR (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.25%
YUBA CITY, CA (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.99%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.50%
SALEM, OR (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.00%
Ukiah, CA (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.37%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $120,000 $60,000 $0 4.75%
Cadillac, MI (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.74%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.24%
Okeechobee, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,604 3.88%
Sevierville, TN (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.12%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.24%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.75%
GREELEY, CO (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.37%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $90,000 $45,000 $0 4.75%
Lake City, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.49%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $80,000 $40,000 $350 6.62%
COLUMBIA, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.74%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.99%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.49%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.24%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
JACKSON, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
GAINESVILLE, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
Lumberton, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.99%
RICHMOND, VA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.24%
MONTGOMERY, AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.24%
WILMINGTON, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.50%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.99%
FOND DU LAC, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.87%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.24%
Gte Federal Credit Union's top markets include Tampa, Los Angeles, Miami, North Port, and Lakeland among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against GTE Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,192 $163,140,000 $136,862 n/a 5.85%
    Conventional 1,116 $157,180,000 $140,842 $2,619 5.37%
    FHA 12 $2,980,000 $248,333 $9,112 4.67%

    For 2022, Gte Federal Credit Union's most frequently originated type of loan was HELOC, with 1,192 originations. Their 2nd most popular type was Conventional, with 1,116 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 658 $129,440,000 $196,717 $4,591 5.23%
    Refi 618 $70,270,000 $113,706 $1,933 5.37%
    Cash Out Refi 535 $55,485,000 $103,710 $2,258 5.78%
    Other 412 $56,520,000 $137,184 $523 6.38%
    Home Improvement 97 $11,585,000 $119,433 $2,328 5.63%

    For 2022, Gte Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 658 originations. The 2nd most popular reason was Refi, with 618 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,290 $243,420,000 $188,698 $5,363 5.52%
    15 Year 583 $46,605,000 $79,940 $1,290 5.88%
    20 Year 313 $27,065,000 $86,470 $4,572 5.81%
    Other 130 $5,590,000 $43,000 $323 4.89%
    10 Year 3 $315,000 $105,000 $3,106 3.71%
    30+ year 1 $305,000 $305,000 $8,825 4.25%

    For 2022, Gte Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,290 originations. The 2nd most popular length was 15 Year, with 583 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 327 $23,045,000 $70,474
    $1k-2k 276 $68,030,000 $246,486
    $2k-3k 85 $20,155,000 $237,118
    $3k-4k 39 $10,365,000 $265,769
    $4k-5k 24 $6,830,000 $284,583
    $5k+ 21 $7,055,000 $335,952

    Gte Federal Credit Union's average total fees were $5,363, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 327 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 666 $92,240,000 $138,498
    4-5% 583 $94,395,000 $161,913
    6-7% 507 $47,625,000 $93,935
    3-4% 269 $54,225,000 $201,580
    7-8% 140 $17,010,000 $121,500
    Over 8% 129 $13,345,000 $103,450
    2.5-3% 25 $4,335,000 $173,400
    <2.5% 1 $125,000 $125,000

    During 2022, Gte Federal Credit Union's average interest rate for loans was 5.52%, while their most frequently originated rate bucket for loans was 5-6%, with 666 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,141 $63,665,000 $55,798 $485 5.90%
    $100k-200k 651 $90,625,000 $139,209 $4,159 5.59%
    $200k-400k 421 $114,345,000 $271,603 $5,541 5.05%
    $400k-600k 94 $44,250,000 $470,745 $6,735 4.90%
    $600k-1MM 13 $10,415,000 $801,154 $8,021 4.93%

    2022 saw Gte Federal Credit Union place emphasis on $100,000 or less loans with 1,141 originations, totaling $63,665,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 531 $67,275,000 $126,695 $2,926 5.78%
    $150k-250k 492 $80,150,000 $162,907 $2,853 5.75%
    $50k-75k 374 $35,140,000 $93,957 $2,409 5.60%
    $75k-100k 356 $40,400,000 $113,483 $2,521 5.82%
    $250k+ 335 $78,065,000 $233,030 $3,991 5.33%
    $50k or less 210 $18,270,000 $87,000 $2,637 5.04%

    Gte Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 531 originations. The second most popular income band? $150k-250k, with 492 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 411 $57,595,000 $140,134 $2,703 5.53%
    20-30% 334 $42,690,000 $127,814 $2,359 5.40%
    44% 233 $40,135,000 $172,253 $5,812 5.91%
    42% 163 $20,605,000 $126,411 $1,683 6.02%
    43% 147 $24,305,000 $165,340 $2,957 5.52%
    40% 128 $19,340,000 $151,094 $3,463 5.43%
    39% 115 $14,325,000 $124,565 $1,443 5.94%
    38% 110 $13,070,000 $118,818 $2,234 5.80%
    41% 108 $15,930,000 $147,500 $2,314 5.80%
    37% 104 $13,540,000 $130,192 $2,503 5.73%
    <20% 97 $11,875,000 $122,423 $2,192 5.01%
    49% 96 $13,010,000 $135,521 $2,881 5.43%
    36% 71 $8,405,000 $118,380 $2,060 5.79%
    45% 68 $8,710,000 $128,088 $2,714 5.76%
    48% 59 $8,365,000 $141,780 $2,584 5.45%
    46% 39 $6,055,000 $155,256 $3,777 5.36%
    47% 33 $4,705,000 $142,576 $2,210 5.41%
    50-60% 4 $640,000 $160,000 $5,727 5.13%

    Gte Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 411 originations. The next most common DTI ratio? 20-30%, with 334 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,688 $232,300,000 $137,618 $2,699 5.57%
    Not provided 323 $48,365,000 $149,737 $2,725 5.76%
    Black 205 $26,505,000 $129,293 $2,515 5.71%
    Asian 69 $10,705,000 $155,145 $2,505 5.62%
    American Indian 19 $3,905,000 $205,526 $4,401 5.59%
    Native Hawaiian or Islander 10 $700,000 $70,000 $415 6.06%
    Asian Indian 4 $530,000 $132,500 $0 6.49%
    Filipino 1 $155,000 $155,000 $2,162 5.62%
    Vietnamese 1 $135,000 $135,000 $0 6.75%

    Approval Rates

    Total approvals of all applications
    77.90%

    Gte Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    73.92%

    Gte Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,320 $323,300,000 $139,353

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,320 $323,300,000 $139,353

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 632 $103,050,000 $163,054 $1,873 5.78%
    40-60% 153 $29,275,000 $191,340 $5,664 4.75%
    60-80% 154 $41,560,000 $269,870 $5,388 4.68%
    80-100% 172 $52,980,000 $308,023 $5,896 4.95%
    Under 20% 1,209 $96,435,000 $79,764 $355 5.85%