First Technology Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003

First Technology Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address First Technology Federal Credit Union
3555 Sw 153Rd Dr
San Jose, CA 97003
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,352
Total Mortgage Loan Application Amount $437,409,000
Average Mortgage Loan Application Amount $156,500
Highest Mortgage Loan Application Amount $600,000
Average Applicant Income $96,525
Highest Applicant Income $3,234,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Technology Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Technology Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2003 breaks down First Technology Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Technology Federal Credit Union serves its applicants.

Each category highlights the total number of mortgage applications processed by First Technology Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Technology Federal Credit Union's mortgage activity for 2003.

Mortgage Loan Application Totals for First Technology Federal Credit Union by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Santa Clara County California 349 $ 96,807,000 $ 277,000 $ 109,000
Larimer County Colorado 286 $ 43,152,000 $ 150,000 $ 87,000
Placer County California 144 $ 27,472,000 $ 190,000 $ 102,000
Sonoma County California 144 $ 31,892,000 $ 221,000 $ 89,000
Ada County Idaho 132 $ 16,892,000 $ 127,000 $ 107,000
El Paso County Colorado 122 $ 17,094,000 $ 140,000 $ 79,000
Benton County Oregon 105 $ 15,054,000 $ 143,000 $ 105,000
Clark County Washington 103 $ 15,947,000 $ 154,000 $ 94,000
San Diego County California 98 $ 22,763,000 $ 232,000 $ 105,000
San Mateo County California 59 $ 18,392,000 $ 311,000 $ 131,000
Sacramento County California 53 $ 8,531,000 $ 160,000 $ 73,000
Weld County Colorado 43 $ 6,294,000 $ 146,000 $ 98,000
Alameda County California 38 $ 10,743,000 $ 282,000 $ 101,000
Middlesex County Massachusetts 37 $ 4,967,000 $ 134,000 $ 94,000
Linn County Oregon 34 $ 3,813,000 $ 112,000 $ 59,000
Essex County Massachusetts 29 $ 4,412,000 $ 152,000 $ 99,000
Cobb County Georgia 26 $ 3,796,000 $ 146,000 $ 83,000
Rockingham County New Hampshire 22 $ 2,933,000 $ 133,000 $ 77,000
New Castle County Delaware 21 $ 2,934,000 $ 139,000 $ 73,000
Broward County Florida 21 $ 5,266,000 $ 250,000 $ 120,000
Santa Cruz County California 18 $ 4,392,000 $ 244,000 $ 389,000
Multnomah County Oregon 17 $ 3,077,000 $ 181,000 $ 93,000
Spokane County Washington 17 $ 1,665,000 $ 97,000 $ 78,000
Fulton County Georgia 15 $ 1,593,000 $ 106,000 $ 96,000
Miami-Dade County Florida 13 $ 2,890,000 $ 222,000 $ 78,000
Chester County Pennsylvania 13 $ 2,311,000 $ 177,000 $ 172,000
El Dorado County California 12 $ 2,873,000 $ 239,000 $ 153,000
Boulder County Colorado 12 $ 1,932,000 $ 161,000 $ 94,000
Douglas County Colorado 12 $ 2,177,000 $ 181,000 $ 93,000
Polk County Oregon 12 $ 1,533,000 $ 127,000 $ 106,000
Contra Costa County California 9 $ 2,414,000 $ 268,000 $ 123,000
Gwinnett County Georgia 9 $ 1,264,000 $ 140,000 $ 80,000
Canyon County Idaho 9 $ 1,051,000 $ 116,000 $ 67,000
Frederick County Maryland 9 $ 1,357,000 $ 150,000 $ 90,000
Hillsborough County New Hampshire 9 $ 940,000 $ 104,000 $ 102,000
Los Angeles County California 8 $ 1,695,000 $ 211,000 $ 103,000
San Francisco County California 8 $ 3,234,000 $ 404,000 $ 103,000
DeKalb County Georgia 8 $ 1,287,000 $ 160,000 $ 75,000
Marion County Oregon 8 $ 813,000 $ 101,000 $ 100,000
Nevada County California 7 $ 1,237,000 $ 176,000 $ 71,000
Teller County Colorado 7 $ 767,000 $ 109,000 $ 52,000
Montgomery County Maryland 7 $ 1,395,000 $ 199,000 $ 98,000
Riverside County California 6 $ 981,000 $ 163,000 $ 69,000
Morris County New Jersey 6 $ 1,012,000 $ 168,000 $ 75,000
Washington County Oregon 6 $ 1,102,000 $ 183,000 $ 96,000
King County Washington 6 $ 1,214,000 $ 202,000 $ 73,000
Snohomish County Washington 5 $ 541,000 $ 108,000 $ 89,000
Calaveras County California 4 $ 457,000 $ 114,000 $ 91,000
San Bernardino County California 4 $ 754,000 $ 188,000 $ 104,000
San Joaquin County California 4 $ 466,000 $ 116,000 $ 83,000
San Luis Obispo County California 4 $ 971,000 $ 242,000 $ 100,000
Arapahoe County Colorado 4 $ 257,000 $ 64,000 $ 57,000
Denver County Colorado 4 $ 831,000 $ 207,000 $ 81,000
Forsyth County Georgia 4 $ 613,000 $ 153,000 $ 107,000
Merrimack County New Hampshire 4 $ 633,000 $ 158,000 $ 83,000
Clackamas County Oregon 4 $ 661,000 $ 165,000 $ 92,000
Fairfax County Virginia 4 $ 479,000 $ 119,000 $ 99,000
Monterey County California 3 $ 646,000 $ 215,000 $ 68,000
Orange County California 3 $ 835,000 $ 278,000 $ 122,000
Stanislaus County California 3 $ 456,000 $ 152,000 $ 119,000
Sutter County California 3 $ 312,000 $ 104,000 $ 73,000
Cherokee County Georgia 3 $ 281,000 $ 93,000 $ 92,000
Valley County Idaho 3 $ 200,000 $ 66,000 $ 132,000
Anne Arundel County Maryland 3 $ 446,000 $ 148,000 $ 115,000
Baltimore County Maryland 3 $ 167,000 $ 55,000 $ 49,000
Plymouth County Massachusetts 3 $ 283,000 $ 94,000 $ 95,000
Bergen County New Jersey 3 $ 742,000 $ 247,000 $ 78,000
Middlesex County New Jersey 3 $ 409,000 $ 136,000 $ 86,000
Sussex County New Jersey 3 $ 404,000 $ 134,000 $ 62,000
Westchester County New York 3 $ 750,000 $ 250,000 $ 189,000
Deschutes County Oregon 3 $ 1,186,000 $ 395,000 $ 128,000
Montgomery County Pennsylvania 3 $ 494,000 $ 164,000 $ 473,000
Pike County Pennsylvania 3 $ 402,000 $ 134,000 $ 66,000
Fresno County California 2 $ 319,000 $ 159,000 $ 69,000
Marin County California 2 $ 657,000 $ 328,000 $ 125,000
Napa County California 2 $ 508,000 $ 254,000 $ 108,000
San Benito County California 2 $ 670,000 $ 335,000 $ 149,000
Yuba County California 2 $ 330,000 $ 165,000 $ 114,000
Adams County Colorado 2 $ 111,000 $ 55,000 $ 77,000
Elbert County Colorado 2 $ 263,000 $ 131,000 $ 91,000
Brevard County Florida 2 $ 228,000 $ 114,000 $ 97,000
Osceola County Florida 2 $ 106,000 $ 53,000 $ 92,000
Palm Beach County Florida 2 $ 235,000 $ 117,000 $ 44,000
Clayton County Georgia 2 $ 319,000 $ 159,000 $ 47,000
Paulding County Georgia 2 $ 243,000 $ 121,000 $ 131,000
Bannock County Idaho 2 $ 74,000 $ 37,000 $ 50,000
Cecil County Maryland 2 $ 237,000 $ 118,000 $ 91,000
Norfolk County Massachusetts 2 $ 265,000 $ 132,000 $ 69,000
Suffolk County Massachusetts 2 $ 465,000 $ 232,000 $ 81,000
Worcester County Massachusetts 2 $ 151,000 $ 75,000 $ 92,000
Burlington County New Jersey 2 $ 507,000 $ 253,000 $ 124,000
Monroe County New York 2 $ 120,000 $ 60,000 $ 66,000
Jackson County Oregon 2 $ 442,000 $ 221,000 $ 114,000
Aguada County Puerto Rico 2 $ 11,000 $ 5,000 $ 32,000
Aguadilla County Puerto Rico 2 $ 10,000 $ 5,000 $ 26,000
Chesterfield County Virginia 2 $ 267,000 $ 133,000 $ 47,000
Loudoun County Virginia 2 $ 663,000 $ 331,000 $ 134,000
Maricopa County Arizona 1 $ 5,000 $ 5,000 $ 48,000
Butte County California 1 $ 42,000 $ 42,000 $ 80,000
Humboldt County California 1 $ 100,000 $ 100,000 $ 18,000
Kern County California 1 $ 128,000 $ 128,000 $ 81,000
Lake County California 1 $ 97,000 $ 97,000 $ 43,000
Madera County California 1 $ 15,000 $ 15,000 $ 89,000
Santa Barbara County California 1 $ 46,000 $ 46,000 $ 137,000
Shasta County California 1 $ 260,000 $ 260,000 $ 27,000
Solano County California 1 $ 155,000 $ 155,000 $ 0
Tehama County California 1 $ 139,000 $ 139,000 $ 40,000
Tulare County California 1 $ 220,000 $ 220,000 $ 0
Tuolumne County California 1 $ 260,000 $ 260,000 $ 80,000
Ventura County California 1 $ 285,000 $ 285,000 $ 119,000
Custer County Colorado 1 $ 76,000 $ 76,000 $ 92,000
Fremont County Colorado 1 $ 119,000 $ 119,000 $ 15,000
Grand County Colorado 1 $ 125,000 $ 125,000 $ 0
Moffat County Colorado 1 $ 113,000 $ 113,000 $ 66,000
Park County Colorado 1 $ 71,000 $ 71,000 $ 34,000
Pueblo County Colorado 1 $ 300,000 $ 300,000 $ 78,000
Routt County Colorado 1 $ 403,000 $ 403,000 $ 71,000
Fairfield County Connecticut 1 $ 377,000 $ 377,000 $ 135,000
Sussex County Delaware 1 $ 125,000 $ 125,000 $ 45,000
District of Columbia County District Of Columbia 1 $ 180,000 $ 180,000 $ 48,000
Hillsborough County Florida 1 $ 136,000 $ 136,000 $ 55,000
Indian River County Florida 1 $ 72,000 $ 72,000 $ 125,000
Orange County Florida 1 $ 86,000 $ 86,000 $ 50,000
Seminole County Florida 1 $ 239,000 $ 239,000 $ 65,000
Bartow County Georgia 1 $ 206,000 $ 206,000 $ 99,000
Carroll County Georgia 1 $ 103,000 $ 103,000 $ 36,000
Hart County Georgia 1 $ 64,000 $ 64,000 $ 89,000
Henry County Georgia 1 $ 25,000 $ 25,000 $ 72,000
White County Georgia 1 $ 158,000 $ 158,000 $ 120,000
Boise County Idaho 1 $ 91,000 $ 91,000 $ 89,000
Gem County Idaho 1 $ 120,000 $ 120,000 $ 154,000
Kootenai County Idaho 1 $ 40,000 $ 40,000 $ 75,000
Kendall County Illinois 1 $ 7,000 $ 7,000 $ 70,000
Knox County Maine 1 $ 82,000 $ 82,000 $ 60,000
Penobscot County Maine 1 $ 93,000 $ 93,000 $ 81,000
York County Maine 1 $ 385,000 $ 385,000 $ 158,000
Harford County Maryland 1 $ 332,000 $ 332,000 $ 131,000
Howard County Maryland 1 $ 63,000 $ 63,000 $ 100,000
Worcester County Maryland 1 $ 71,000 $ 71,000 $ 0
Bristol County Massachusetts 1 $ 210,000 $ 210,000 $ 123,000
Belknap County New Hampshire 1 $ 68,000 $ 68,000 $ 46,000
Carroll County New Hampshire 1 $ 200,000 $ 200,000 $ 82,000
Strafford County New Hampshire 1 $ 316,000 $ 316,000 $ 146,000
Camden County New Jersey 1 $ 15,000 $ 15,000 $ 56,000
Essex County New Jersey 1 $ 154,000 $ 154,000 $ 77,000
Gloucester County New Jersey 1 $ 126,000 $ 126,000 $ 44,000
Hudson County New Jersey 1 $ 213,000 $ 213,000 $ 76,000
Passaic County New Jersey 1 $ 35,000 $ 35,000 $ 24,000
Somerset County New Jersey 1 $ 180,000 $ 180,000 $ 125,000
Kings County New York 1 $ 47,000 $ 47,000 $ 80,000
Orange County New York 1 $ 36,000 $ 36,000 $ 73,000
Suffolk County New York 1 $ 100,000 $ 100,000 $ 103,000
Curry County Oregon 1 $ 148,000 $ 148,000 $ 140,000
Hood River County Oregon 1 $ 136,000 $ 136,000 $ 86,000
Jefferson County Oregon 1 $ 100,000 $ 100,000 $ 52,000
Josephine County Oregon 1 $ 20,000 $ 20,000 $ 37,000
Klamath County Oregon 1 $ 44,000 $ 44,000 $ 87,000
Lane County Oregon 1 $ 114,000 $ 114,000 $ 157,000
Yamhill County Oregon 1 $ 76,000 $ 76,000 $ 95,000
Allegheny County Pennsylvania 1 $ 224,000 $ 224,000 $ 132,000
Berks County Pennsylvania 1 $ 145,000 $ 145,000 $ 114,000
Bucks County Pennsylvania 1 $ 110,000 $ 110,000 $ 117,000
Delaware County Pennsylvania 1 $ 115,000 $ 115,000 $ 78,000
Anasco County Puerto Rico 1 $ 8,000 $ 8,000 $ 32,000
Arecibo County Puerto Rico 1 $ 10,000 $ 10,000 $ 134,000
Cabo Rojo County Puerto Rico 1 $ 3,000 $ 3,000 $ 30,000
Mayaguez County Puerto Rico 1 $ 10,000 $ 10,000 $ 62,000
Moca County Puerto Rico 1 $ 2,000 $ 2,000 $ 25,000
Sabana Grande County Puerto Rico 1 $ 6,000 $ 6,000 $ 24,000
Harris County Texas 1 $ 10,000 $ 10,000 $ 98,000
Albemarle County Virginia 1 $ 119,000 $ 119,000 $ 71,000
Prince William County Virginia 1 $ 121,000 $ 121,000 $ 52,000
Benton County Washington 1 $ 73,000 $ 73,000 $ 72,000
Douglas County Washington 1 $ 133,000 $ 133,000 $ 80,000
Grant County Washington 1 $ 12,000 $ 12,000 $ 72,000
Kitsap County Washington 1 $ 250,000 $ 250,000 $ 105,000
Lincoln County Washington 1 $ 220,000 $ 220,000 $ 123,000
Skagit County Washington 1 $ 50,000 $ 50,000 $ 74,000
Thurston County Washington 1 $ 199,000 $ 199,000 $ 65,000

Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2003

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing (home purchase or home improvement, one-to-four family) 2,143 $392,789,000 $169,777 $600,000 $93,000 $3,234,000
Home Purchase (one-to-four family) 176 $44,321,000 $223,928 $600,000 $109,214 $388,000
Home Improvement (one-to-four family) 33 $299,000 $8,625 $23,000 $82,250 $150,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,460 $261,898,000 $166,705 $600,000 $95,470 $1,860,000
Information not provided by applicant in mail or telephone application 487 $89,692,000 $117,200 $600,000 $85,733 $3,234,000
Hispanic 160 $32,976,000 $170,400 $600,000 $82,800 $305,000
Asian or Pacific Islander 150 $34,604,000 $152,916 $576,000 $83,916 $263,000
Black 68 $12,462,000 $162,000 $497,000 $101,727 $215,000
Other 18 $4,202,000 $170,200 $595,000 $68,600 $168,000
American Indian or Alaskan Native 9 $1,575,000 $209,500 $462,000 $82,500 $150,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,352 $437,409,000 $141,090 $600,000 $89,000 $3,234,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,840 $340,779,000 $144,954 $600,000 $93,045 $3,234,000
Application Withdrawn By Applicant 356 $69,901,000 $157,933 $600,000 $99,466 $1,860,000
Application Denied By Financial Institution 129 $21,927,000 $153,785 $600,000 $73,285 $302,000
File Closed For Incompleteness 24 $4,188,000 $172,000 $560,000 $102,375 $175,000
Application Approved But Not Accepted 3 $614,000 $204,666 $300,000 $117,333 $174,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 2 $207,000 $103,000 $192,000 $42,000 $42,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess First Technology Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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