GTE Federal Credit Union in Florida vs the state
26.0%Denial rate+4.89 pts vs state
34.6%Decision denial rate+7.40 pts vs state
47.9%Origination rate-4.75 pts vs state
6.88%Median rate+0.25 pts vs state
0.52Rate spread (pts)+0.25 pts vs state
$99kMedian applicant income
933Loans originated
505Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,606 | 1,207 | 30.0% | 7.75% | #70 |
| 2024 | 2,153 | 979 | 32.0% | 8.50% | #85 |
| 2025 | 1,946 | 933 | 26.0% | 6.88% | #94 |
What GTE Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most GTE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 680 | 292 | 196 | 28.8% |
| Pinellas County | 304 | 156 | 63 | 20.7% |
| Pasco County | 280 | 145 | 73 | 26.1% |
| Polk County | 104 | 49 | 36 | 34.6% |
| Marion County | 86 | 35 | 25 | 29.1% |
| Hernando County | 59 | 31 | 12 | 20.3% |
| Miami-Dade County | 57 | 29 | 15 | 26.3% |
| Manatee County | 49 | 20 | 15 | 30.6% |
| Sarasota County | 49 | 21 | 12 | 24.5% |
| Citrus County | 46 | 32 | 4 | 8.7% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,946 applications in 2025, of which 933 were originated and 505 denied.
26.0% of all applications, or 34.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans GTE Federal Credit Union originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are GTE Federal Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology