First Technology Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Technology Federal Credit Union 2004 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 | 1,691 |
| Total Mortgage Loan Application Amount | $385,024,000 |
| Average Mortgage Loan Application Amount | $188,553 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $101,680 |
| Highest Applicant Income | $1,115,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 202 | $ 73,603,000 | $ 364,000 | $ 110,000 |
| Larimer County Colorado | 172 | $ 28,880,000 | $ 167,000 | $ 80,000 |
| Placer County California | 136 | $ 32,571,000 | $ 239,000 | $ 98,000 |
| Ada County Idaho | 95 | $ 13,581,000 | $ 142,000 | $ 91,000 |
| El Paso County Colorado | 85 | $ 14,533,000 | $ 170,000 | $ 73,000 |
| San Diego County California | 68 | $ 19,729,000 | $ 290,000 | $ 109,000 |
| Sonoma County California | 67 | $ 19,370,000 | $ 289,000 | $ 82,000 |
| Benton County Oregon | 67 | $ 10,302,000 | $ 153,000 | $ 95,000 |
| Clark County Washington | 63 | $ 10,150,000 | $ 161,000 | $ 89,000 |
| Sacramento County California | 46 | $ 9,385,000 | $ 204,000 | $ 81,000 |
| Weld County Colorado | 32 | $ 4,663,000 | $ 145,000 | $ 62,000 |
| San Mateo County California | 27 | $ 11,060,000 | $ 409,000 | $ 138,000 |
| Essex County Massachusetts | 26 | $ 6,609,000 | $ 254,000 | $ 133,000 |
| Alameda County California | 23 | $ 7,950,000 | $ 345,000 | $ 76,000 |
| New Castle County Delaware | 22 | $ 4,094,000 | $ 186,000 | $ 73,000 |
| Linn County Oregon | 22 | $ 2,389,000 | $ 108,000 | $ 58,000 |
| Cobb County Georgia | 16 | $ 2,505,000 | $ 156,000 | $ 96,000 |
| Broward County Florida | 15 | $ 3,902,000 | $ 260,000 | $ 103,000 |
| Miami-Dade County Florida | 15 | $ 3,395,000 | $ 226,000 | $ 99,000 |
| Canyon County Idaho | 15 | $ 1,996,000 | $ 133,000 | $ 67,000 |
| Middlesex County Massachusetts | 15 | $ 3,763,000 | $ 250,000 | $ 93,000 |
| Rockingham County New Hampshire | 14 | $ 2,903,000 | $ 207,000 | $ 70,000 |
| Multnomah County Oregon | 13 | $ 3,441,000 | $ 264,000 | $ 126,000 |
| San Francisco County California | 11 | $ 5,301,000 | $ 481,000 | $ 96,000 |
| Riverside County California | 9 | $ 2,058,000 | $ 228,000 | $ 98,000 |
| Santa Cruz County California | 9 | $ 3,482,000 | $ 386,000 | $ 121,000 |
| Fulton County Georgia | 9 | $ 1,981,000 | $ 220,000 | $ 74,000 |
| Contra Costa County California | 8 | $ 2,620,000 | $ 327,000 | $ 100,000 |
| El Dorado County California | 8 | $ 2,130,000 | $ 266,000 | $ 127,000 |
| Douglas County Colorado | 8 | $ 1,551,000 | $ 193,000 | $ 109,000 |
| Frederick County Maryland | 8 | $ 1,392,000 | $ 174,000 | $ 97,000 |
| San Joaquin County California | 7 | $ 1,937,000 | $ 276,000 | $ 73,000 |
| Gwinnett County Georgia | 7 | $ 1,509,000 | $ 215,000 | $ 94,000 |
| Montgomery County Maryland | 7 | $ 2,228,000 | $ 318,000 | $ 290,000 |
| Los Angeles County California | 6 | $ 1,577,000 | $ 262,000 | $ 85,000 |
| Arapahoe County Colorado | 6 | $ 572,000 | $ 95,000 | $ 74,000 |
| Worcester County Massachusetts | 6 | $ 710,000 | $ 118,000 | $ 90,000 |
| Hillsborough County New Hampshire | 6 | $ 1,121,000 | $ 186,000 | $ 103,000 |
| Washington County Oregon | 6 | $ 899,000 | $ 149,000 | $ 63,000 |
| Chester County Pennsylvania | 6 | $ 1,103,000 | $ 183,000 | $ 82,000 |
| Cherokee County Georgia | 5 | $ 567,000 | $ 113,000 | $ 98,000 |
| Forsyth County Georgia | 5 | $ 879,000 | $ 175,000 | $ 73,000 |
| King County Washington | 5 | $ 1,227,000 | $ 245,000 | $ 103,000 |
| Spokane County Washington | 5 | $ 468,000 | $ 93,000 | $ 82,000 |
| Orange County California | 4 | $ 967,000 | $ 241,000 | $ 137,000 |
| Sutter County California | 4 | $ 756,000 | $ 189,000 | $ 96,000 |
| Yolo County California | 4 | $ 803,000 | $ 200,000 | $ 60,000 |
| Boulder County Colorado | 4 | $ 994,000 | $ 248,000 | $ 71,000 |
| Hillsborough County Florida | 4 | $ 267,000 | $ 66,000 | $ 55,000 |
| Suffolk County Massachusetts | 4 | $ 795,000 | $ 198,000 | $ 37,000 |
| Polk County Oregon | 4 | $ 467,000 | $ 116,000 | $ 90,000 |
| Calaveras County California | 3 | $ 586,000 | $ 195,000 | $ 65,000 |
| Merced County California | 3 | $ 680,000 | $ 226,000 | $ 71,000 |
| Nevada County California | 3 | $ 784,000 | $ 261,000 | $ 66,000 |
| Yuba County California | 3 | $ 524,000 | $ 174,000 | $ 49,000 |
| Grand County Colorado | 3 | $ 312,000 | $ 104,000 | $ 159,000 |
| Jefferson County Colorado | 3 | $ 378,000 | $ 126,000 | $ 69,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,209,000 | $ 403,000 | $ 142,000 |
| Sussex County New Jersey | 3 | $ 371,000 | $ 123,000 | $ 61,000 |
| Deschutes County Oregon | 3 | $ 356,000 | $ 118,000 | $ 110,000 |
| Jackson County Oregon | 3 | $ 964,000 | $ 321,000 | $ 123,000 |
| Marion County Oregon | 3 | $ 536,000 | $ 178,000 | $ 71,000 |
| Aguada County Puerto Rico | 3 | $ 14,000 | $ 4,000 | $ 10,000 |
| Fairfax County Virginia | 3 | $ 706,000 | $ 235,000 | $ 127,000 |
| Monterey County California | 2 | $ 373,000 | $ 186,000 | $ 127,000 |
| Napa County California | 2 | $ 174,000 | $ 87,000 | $ 75,000 |
| San Benito County California | 2 | $ 820,000 | $ 410,000 | $ 66,000 |
| San Luis Obispo County California | 2 | $ 723,000 | $ 361,000 | $ 91,000 |
| Denver County Colorado | 2 | $ 384,000 | $ 192,000 | $ 106,000 |
| Park County Colorado | 2 | $ 364,000 | $ 182,000 | $ 45,000 |
| Summit County Colorado | 2 | $ 203,000 | $ 101,000 | $ 156,000 |
| Teller County Colorado | 2 | $ 165,000 | $ 82,000 | $ 29,000 |
| Fairfield County Connecticut | 2 | $ 480,000 | $ 240,000 | $ 239,000 |
| New Haven County Connecticut | 2 | $ 465,000 | $ 232,000 | $ 95,000 |
| Seminole County Florida | 2 | $ 325,000 | $ 162,000 | $ 55,000 |
| Bartow County Georgia | 2 | $ 298,000 | $ 149,000 | $ 66,000 |
| Paulding County Georgia | 2 | $ 310,000 | $ 155,000 | $ 99,000 |
| Elmore County Idaho | 2 | $ 141,000 | $ 70,000 | $ 35,000 |
| Gem County Idaho | 2 | $ 199,000 | $ 99,000 | $ 91,000 |
| Jefferson County Idaho | 2 | $ 116,000 | $ 58,000 | $ 101,000 |
| Kootenai County Idaho | 2 | $ 248,000 | $ 124,000 | $ 40,000 |
| York County Maine | 2 | $ 294,000 | $ 147,000 | $ 180,000 |
| Anne Arundel County Maryland | 2 | $ 554,000 | $ 277,000 | $ 92,000 |
| Bristol County Massachusetts | 2 | $ 192,000 | $ 96,000 | $ 100,000 |
| Norfolk County Massachusetts | 2 | $ 434,000 | $ 217,000 | $ 116,000 |
| Middlesex County New Jersey | 2 | $ 372,000 | $ 186,000 | $ 98,000 |
| Morris County New Jersey | 2 | $ 747,000 | $ 373,000 | $ 56,000 |
| Monroe County New York | 2 | $ 254,000 | $ 127,000 | $ 111,000 |
| Suffolk County New York | 2 | $ 829,000 | $ 414,000 | $ 128,000 |
| Lane County Oregon | 2 | $ 156,000 | $ 78,000 | $ 92,000 |
| Monroe County Pennsylvania | 2 | $ 121,000 | $ 60,000 | $ 117,000 |
| Montgomery County Pennsylvania | 2 | $ 179,000 | $ 89,000 | $ 89,000 |
| Aguadilla County Puerto Rico | 2 | $ 7,000 | $ 3,000 | $ 41,000 |
| Moca County Puerto Rico | 2 | $ 24,000 | $ 12,000 | $ 35,000 |
| San Sebastian County Puerto Rico | 2 | $ 7,000 | $ 3,000 | $ 42,000 |
| Clallam County Washington | 2 | $ 201,000 | $ 100,000 | $ 9,000 |
| Kitsap County Washington | 2 | $ 366,000 | $ 183,000 | $ 99,000 |
| San Juan County Washington | 2 | $ 594,000 | $ 297,000 | $ 105,000 |
| Amador County California | 1 | $ 110,000 | $ 110,000 | $ 51,000 |
| Colusa County California | 1 | $ 104,000 | $ 104,000 | $ 29,000 |
| Humboldt County California | 1 | $ 384,000 | $ 384,000 | $ 140,000 |
| Kern County California | 1 | $ 378,000 | $ 378,000 | $ 126,000 |
| Lake County California | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Marin County California | 1 | $ 567,000 | $ 567,000 | $ 103,000 |
| Mariposa County California | 1 | $ 70,000 | $ 70,000 | $ 23,000 |
| Plumas County California | 1 | $ 188,000 | $ 188,000 | $ 149,000 |
| San Bernardino County California | 1 | $ 328,000 | $ 328,000 | $ 78,000 |
| Solano County California | 1 | $ 329,000 | $ 329,000 | $ 140,000 |
| Stanislaus County California | 1 | $ 256,000 | $ 256,000 | $ 29,000 |
| Trinity County California | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Tuolumne County California | 1 | $ 187,000 | $ 187,000 | $ 78,000 |
| Adams County Colorado | 1 | $ 200,000 | $ 200,000 | $ 88,000 |
| Chaffee County Colorado | 1 | $ 130,000 | $ 130,000 | $ 25,000 |
| Elbert County Colorado | 1 | $ 216,000 | $ 216,000 | $ 73,000 |
| La Plata County Colorado | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Mesa County Colorado | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Montezuma County Colorado | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Yuma County Colorado | 1 | $ 124,000 | $ 124,000 | $ 111,000 |
| Kent County Delaware | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Clay County Florida | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Collier County Florida | 1 | $ 198,000 | $ 198,000 | $ 135,000 |
| Duval County Florida | 1 | $ 131,000 | $ 131,000 | $ 144,000 |
| Marion County Florida | 1 | $ 192,000 | $ 192,000 | $ 68,000 |
| Osceola County Florida | 1 | $ 168,000 | $ 168,000 | $ 96,000 |
| Palm Beach County Florida | 1 | $ 97,000 | $ 97,000 | $ 56,000 |
| Pinellas County Florida | 1 | $ 340,000 | $ 340,000 | $ 180,000 |
| Sarasota County Florida | 1 | $ 214,000 | $ 214,000 | $ 26,000 |
| Bulloch County Georgia | 1 | $ 273,000 | $ 273,000 | $ 126,000 |
| Clayton County Georgia | 1 | $ 115,000 | $ 115,000 | $ 17,000 |
| Coweta County Georgia | 1 | $ 126,000 | $ 126,000 | $ 85,000 |
| Dawson County Georgia | 1 | $ 142,000 | $ 142,000 | $ 43,000 |
| DeKalb County Georgia | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Floyd County Georgia | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Hall County Georgia | 1 | $ 78,000 | $ 78,000 | $ 78,000 |
| Muscogee County Georgia | 1 | $ 102,000 | $ 102,000 | $ 157,000 |
| Pickens County Georgia | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Polk County Georgia | 1 | $ 108,000 | $ 108,000 | $ 70,000 |
| Boise County Idaho | 1 | $ 10,000 | $ 10,000 | $ 74,000 |
| Payette County Idaho | 1 | $ 60,000 | $ 60,000 | $ 61,000 |
| Shoshone County Idaho | 1 | $ 49,000 | $ 49,000 | $ 89,000 |
| Valley County Idaho | 1 | $ 300,000 | $ 300,000 | $ 273,000 |
| Washington County Maine | 1 | $ 455,000 | $ 455,000 | $ 125,000 |
| Baltimore City County Maryland | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Prince George's County Maryland | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Somerset County Maryland | 1 | $ 40,000 | $ 40,000 | $ 99,000 |
| Washington County Maryland | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Plymouth County Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Carroll County New Hampshire | 1 | $ 115,000 | $ 115,000 | $ 154,000 |
| Merrimack County New Hampshire | 1 | $ 180,000 | $ 180,000 | $ 48,000 |
| Burlington County New Jersey | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Camden County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Cape May County New Jersey | 1 | $ 193,000 | $ 193,000 | $ 213,000 |
| Essex County New Jersey | 1 | $ 281,000 | $ 281,000 | $ 73,000 |
| Hudson County New Jersey | 1 | $ 231,000 | $ 231,000 | $ 72,000 |
| Monmouth County New Jersey | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| Ocean County New Jersey | 1 | $ 270,000 | $ 270,000 | $ 75,000 |
| Somerset County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Union County New Jersey | 1 | $ 263,000 | $ 263,000 | $ 71,000 |
| Bernalillo County New Mexico | 1 | $ 218,000 | $ 218,000 | $ 111,000 |
| Lincoln County New Mexico | 1 | $ 138,000 | $ 138,000 | $ 80,000 |
| Bronx County New York | 1 | $ 153,000 | $ 153,000 | $ 103,000 |
| Herkimer County New York | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Nassau County New York | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Orange County New York | 1 | $ 400,000 | $ 400,000 | $ 218,000 |
| Rockland County New York | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Saratoga County New York | 1 | $ 250,000 | $ 250,000 | $ 112,000 |
| Clackamas County Oregon | 1 | $ 196,000 | $ 196,000 | $ 72,000 |
| Coos County Oregon | 1 | $ 184,000 | $ 184,000 | $ 81,000 |
| Josephine County Oregon | 1 | $ 168,000 | $ 168,000 | $ 90,000 |
| Lincoln County Oregon | 1 | $ 242,000 | $ 242,000 | $ 112,000 |
| Bucks County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Lebanon County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Northampton County Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Philadelphia County Pennsylvania | 1 | $ 242,000 | $ 242,000 | $ 50,000 |
| Mayaguez County Puerto Rico | 1 | $ 3,000 | $ 3,000 | $ 16,000 |
| Bristol County Rhode Island | 1 | $ 400,000 | $ 400,000 | $ 276,000 |
| Cameron County Texas | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Travis County Texas | 1 | $ 7,000 | $ 7,000 | $ 102,000 |
| Albemarle County Virginia | 1 | $ 35,000 | $ 35,000 | $ 17,000 |
| Chesterfield County Virginia | 1 | $ 110,000 | $ 110,000 | $ 113,000 |
| Franklin County Virginia | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Prince William County Virginia | 1 | $ 218,000 | $ 218,000 | $ 37,000 |
| Spotsylvania County Virginia | 1 | $ 452,000 | $ 452,000 | $ 189,000 |
| Cowlitz County Washington | 1 | $ 222,000 | $ 222,000 | $ 73,000 |
| Lewis County Washington | 1 | $ 116,000 | $ 116,000 | $ 51,000 |
| Pierce County Washington | 1 | $ 157,000 | $ 157,000 | $ 43,000 |
| Skamania County Washington | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Snohomish County Washington | 1 | $ 420,000 | $ 420,000 | $ 208,000 |
| Thurston County Washington | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Whatcom County Washington | 1 | $ 100,000 | $ 100,000 | $ 137,000 |
| Whitman County Washington | 1 | $ 58,000 | $ 58,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2004
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 | 1,133 | $235,017,000 | $186,294 | $1,000,000 | $98,588 | $482,000 |
| Home Purchase | 535 | $149,808,000 | $255,545 | $1,500,000 | $111,272 | $1,115,000 |
| Home Improvement | 23 | $199,000 | $9,125 | $30,000 | $81,875 | $432,000 |
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 | 1,011 | $225,595,000 | $247,900 | $1,500,000 | $112,050 | $480,000 |
| Not Provided | 390 | $82,294,000 | $160,400 | $1,000,000 | $108,050 | $1,115,000 |
| Asian | 130 | $41,628,000 | $230,555 | $860,000 | $93,555 | $242,000 |
| Hispanic | 79 | $17,813,000 | $179,312 | $650,000 | $69,687 | $201,000 |
| Black or African American | 61 | $13,429,000 | $203,250 | $552,000 | $81,250 | $196,000 |
| American Indian or Alaskan Native | 12 | $2,493,000 | $180,857 | $370,000 | $63,428 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,404,000 | $225,000 | $411,000 | $65,333 | $78,000 |
| Not applicable | 3 | $368,000 | $122,666 | $218,000 | $70,333 | $111,000 |
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) | 1,691 | $385,024,000 | $206,608 | $1,500,000 | $106,304 | $1,115,000 |
| 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 | 1,211 | $273,289,000 | $187,300 | $1,000,000 | $101,100 | $432,000 |
| Application Withdrawn By Applicant | 204 | $47,085,000 | $226,823 | $1,000,000 | $163,176 | $1,115,000 |
| Application Denied By Financial Institution | 148 | $29,951,000 | $184,000 | $509,000 | $86,714 | $276,000 |
| File Closed For Incompleteness | 74 | $21,495,000 | $239,266 | $1,500,000 | $77,800 | $480,000 |
| Application Approved But Not Accepted | 52 | $12,622,000 | $196,727 | $688,000 | $87,454 | $195,000 |
| Preapproval Approved but not Accepted | 2 | $582,000 | $291,000 | $432,000 | $113,000 | $116,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 33 | $7,422,000 | $169,222 | $509,000 | $48,777 | $180,000 |
| Credit History | 30 | $6,152,000 | $179,857 | $405,000 | $109,857 | $234,000 |
| Collateral | 4 | $479,000 | $119,750 | $384,000 | $86,250 | $120,000 |
| Other | 3 | $701,000 | $233,666 | $450,000 | $56,000 | $125,000 |
| Employment History | 3 | $585,000 | $195,000 | $400,000 | $117,333 | $276,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $320,000 | $84,500 | $86,000 |
| Credit Application Incomplete | 2 | $425,000 | $212,000 | $275,000 | $51,000 | $57,000 |
| Unverifiable Information | 1 | $450,000 | $450,000 | $450,000 | $276,000 | $276,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2004 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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with aggregated HMDA statistics today.