At a glance
From its website, read 2 Nov 2026GTE Federal Credit Union is a credit union based in Tampa, Florida. Its website describes home mortgages and personal loans. Consumer loan APRs stated on its site range from 15.99% to 17.99%. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | gtefinancial.org |
| Office (official list) | 711 East Henderson Avenue, Tampa, FL 33602 |
What their website says about applying
To talk to a GTE Loan Executive, request an appointment or call 813-871-2690 x 40407.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate: 15.99%–17.99% APR | The APR range is 15.99% to 17.99% and will be determined by your credit worthiness. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
A personal loan is also referred to as a Signature Loan or an Unsecured Loan, since it really only requires your “signature” for financing, rather than a secured loan that requires collateral.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 4 Oct 2022 |
| RSSD ID | 84073 |
| Address | 711 East Henderson Avenue, Tampa, FL 33602 Directions (Google Maps) |
| Website | gtefinancial.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or borrower focus is stated on the pages fetched, and auto and personal loan pages give rates but no amounts. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | $50,000 – $1.8M | Loans $50,000-$1,750,000 | source |
| Personal / consumer loans | — | GTE offers great low-rate personal loans! | source |
Loan sizes
Loans $50,000-$1,750,000
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
GTE ofrece hipotecas de tasa ajustable (ARM) con excelentes tasas y opciones de múltiples plazos.
source
Online application
Yes — the site links to an application. or apply online today to get started!
source
Pages read (7)
- https://www.gtefinancial.org/
- https://www.gtefinancial.org/products/arm-home-loans
- https://www.gtefinancial.org/es/products/arm-home-loans
- https://www.gtefinancial.org/products/personal-loans
- https://www.gtefinancial.org/es/products/personal-loans
- https://www.gtefinancial.org/products/home-equity-loans
- https://www.gtefinancial.org/personal/borrow/home-loan/realty-reach
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.7 million in 6 awards from the U.S. Treasury's CDFI Fund, 2013–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $500,000 |
| 2019 | CDFI Program, Financial Assistance | $525,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2015 | CDFI Program, Financial Assistance | $1,750,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $42 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as GTE (charter 196). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $3.1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 232,246 (as of 30 Jun 2026) |
| Offices | 25 (as of 30 Jun 2026) |
Offices by state and county (25)
Florida (25 offices)
- Citrus County (1): 5700 N Suncoast Blvd, Crystal River 34428
- Hillsborough County (11): 711 E Henderson Ave, Tampa 33602 (main office); 101 E Bloomingdale Ave, Brandon 33511; 2201 James L Redman Pkwy, Plant City 33563; 11480 US Highway 301 S, Riverview 33578; 1209 W Martin Luther King, Seffner 33584; 140 S Meridian Ave, Tampa 33602; 20761 Center Oak Dr, Tampa 33647; 4202 W Kennedy Blvd, Tampa 33609; 4802 Gunn Hwy, Tampa 33624; 7563 W Waters Ave, Tampa 33615; 9380 N 56th St, Temple Terrace 33617
- Manatee County (1): 7375 University Pkwy, Bradenton 34202
- Marion County (1): 3033 SW College Rd, Ocala 34474
- Pasco County (3): 6901 State Road 52, Hudson 34667; 21827 State Road 54, Lutz 33549; 10848 State Road 54, New Port Richey 34655
- Pinellas County (5): 2168 Gulf To Bay Blvd, Clearwater 33765; 29492 US Highway 19 N, Clearwater 33761; 7691 Starkey Rd, Seminole 33777; 2190 18th Ave S, St Petersburg 33712; 4584 38th Ave N, St Petersburg 33713
- Polk County (2): 1275 Oakbridge Pkwy, Lakeland 33803; 5320 US Highway 98 N, Lakeland 33809
- Sarasota County (1): 3510 Fruitville Rd, Sarasota 34237
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by GTE Federal Credit Union (NCUA charter 196, filed as “GTE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $2.71 billion, 148,970 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.6% from $2.47 billion on 30 Jun 2025 |
| Members | 232,246 (as of 30 Jun 2026); 230,192 (as of 30 Jun 2025) |
| Loans per member | $11,663 (total loans divided by members, 30 Jun 2026) |
| Total assets | $3.12 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $401.5 million | 14.8% |
| Used vehicle loans | $774.6 million | 28.6% |
| First-lien home mortgages (1-4 family) | $635.2 million | 23.4% |
| Other real estate loans (junior liens, other) | $314.5 million | 11.6% |
| Commercial (business) loans | $204.8 million | 7.6% |
| Credit cards | $148 million | 5.5% |
| Other unsecured loans | $122.2 million | 4.5% |
| Leases and other secured loans | $108 million | 4.0% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025GTE Federal Credit Union reported 2,102 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $373.1M (median loan about $135,000). 552 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 552 | 26% |
| Refinance (incl. 116 cash-out) | 392 | 19% |
| Home improvement | 169 | 8.0% |
| Other purpose | 989 | 47% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 2,073 | 99% |
| FHA-insured | 28 | 1.3% |
Included above: 1,377 home-equity or other open-end lines of credit; 86 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 347 counties with at least one; 44% of its 2025 loans were for properties in Florida:
- Hillsborough County, FL (292)
- Pinellas County, FL (156)
- Pasco County, FL (145)
- Los Angeles County, CA (88)
- Maricopa County, AZ (54)
- Polk County, FL (49)
- San Diego County, CA (43)
- Riverside County, CA (38)
Filed under LEI 549300ZIQ24V0C88AC41 as “GTE FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $185,300 (10 loans) | All 7(a) lenders in Florida: $250,000. Larger than the median loan of 57% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 4 → 33 | Rank among the 6 certified CDFIs in Florida with SBA approvals in either period: 3 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $3.12 billion | Larger than 95% of the 19 other certified credit unions in Florida (median $379.2 million). |
| Loans as a share of assets | 87% | Median of the same 19 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $2.47 billion → $2.71 billion (+10%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 2 → 2. |
| Home loans originated in 2025 (HMDA) | 2,102 | More than 97% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 57% |
| SBA approvals then vs now | certified CDFIs in Florida with SBA approvals FY2023–2026 | 5 | rank 3 → 1 of 6 |
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 95% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 2 → 2 of 20 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 97% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 39 SBA-backed approvals for GTE Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 10 7(a) loans as the lender: $4.1M in total (gross amount approved), median $185,300
- 29 504 projects as the third-party (first-lien) lender: $17.3M in total (its own third-party loan amount), median $420,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 2 · FY2023 1 · FY2024 3 · FY2025 17 · FY2026 16.
What actually happened
- Size of its 7(a) loans: half were between $80,000 and $559,375, median $185,300 (10 loans)
- Size of its 504 first-lien loans (third-party lender): half were between $281,500 and $663,000, median $420,000 (29 loans)
- Term of its 7(a) loans: median 120 months (10 years) (10 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (29 loans)
- Fixed or variable: 10% of its 7(a) loans had a fixed rate (10 loans)
- Young businesses: 0% of its 7(a) loans went to a startup or a business two years old or less (10 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 projects (as the third-party lender) (29, 74%)
- 7(a) standard (8, 21%)
- 7(a) SBA Express (2, 5%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (14)
- Construction (6)
- Retail trade (6)
- Other services (except public administration) (5)
- Professional, scientific, and technical services (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Hillsborough County, FL (18)
- Sarasota County, FL (4)
- Polk County, FL (3)
- Duval County, FL (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “GTE FCU d/b/a GTE Financial”); NCUA charter 196, found through the RSSD ID in NCUA records (SBA lists “GTE FCU d/b/a GTE Financial”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. GTE Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Tampa and Florida
- Neighborhood Lending Partners of Florida, Inc.Loan fund · Tampa, FLCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Solitas House, Inc.Loan fund · Tampa, FLOfficial list only
- Suncoast Credit UnionCredit union · Tampa, FLOfficial list only
- Tampa Bay Federal Credit UnionCredit union · Tampa, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
Work at GTE Federal Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.