First Technology Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Technology Federal Credit Union 2005 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 | 1,874 |
| Total Mortgage Loan Application Amount | $507,214,000 |
| Average Mortgage Loan Application Amount | $254,947 |
| Highest Mortgage Loan Application Amount | $1,780,000 |
| Average Applicant Income | $103,921 |
| Highest Applicant Income | $1,047,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 270 | $ 119,228,000 | $ 441,000 | $ 115,000 |
| Larimer County Colorado | 171 | $ 29,987,000 | $ 175,000 | $ 103,000 |
| Placer County California | 97 | $ 26,596,000 | $ 274,000 | $ 96,000 |
| Ada County Idaho | 95 | $ 15,758,000 | $ 165,000 | $ 104,000 |
| Benton County Oregon | 84 | $ 14,454,000 | $ 172,000 | $ 108,000 |
| El Paso County Colorado | 77 | $ 13,157,000 | $ 170,000 | $ 60,000 |
| San Diego County California | 74 | $ 25,181,000 | $ 340,000 | $ 112,000 |
| Clark County Washington | 70 | $ 14,522,000 | $ 207,000 | $ 101,000 |
| Sacramento County California | 59 | $ 16,167,000 | $ 274,000 | $ 75,000 |
| Sonoma County California | 48 | $ 17,561,000 | $ 365,000 | $ 104,000 |
| Alameda County California | 43 | $ 18,758,000 | $ 436,000 | $ 110,000 |
| Linn County Oregon | 30 | $ 3,132,000 | $ 104,000 | $ 64,000 |
| San Mateo County California | 27 | $ 11,753,000 | $ 435,000 | $ 123,000 |
| Weld County Colorado | 25 | $ 3,721,000 | $ 148,000 | $ 63,000 |
| Essex County Massachusetts | 23 | $ 5,920,000 | $ 257,000 | $ 104,000 |
| Middlesex County Massachusetts | 23 | $ 7,462,000 | $ 324,000 | $ 117,000 |
| Miami-Dade County Florida | 21 | $ 5,866,000 | $ 279,000 | $ 111,000 |
| Multnomah County Oregon | 18 | $ 4,333,000 | $ 240,000 | $ 94,000 |
| Douglas County Colorado | 16 | $ 2,617,000 | $ 163,000 | $ 172,000 |
| New Castle County Delaware | 16 | $ 3,368,000 | $ 210,000 | $ 92,000 |
| Cobb County Georgia | 12 | $ 2,848,000 | $ 237,000 | $ 107,000 |
| Fulton County Georgia | 12 | $ 2,542,000 | $ 211,000 | $ 82,000 |
| Los Angeles County California | 11 | $ 3,266,000 | $ 296,000 | $ 121,000 |
| Santa Cruz County California | 11 | $ 3,405,000 | $ 309,000 | $ 89,000 |
| Rockingham County New Hampshire | 11 | $ 2,488,000 | $ 226,000 | $ 108,000 |
| Riverside County California | 10 | $ 2,613,000 | $ 261,000 | $ 86,000 |
| Canyon County Idaho | 10 | $ 1,039,000 | $ 103,000 | $ 75,000 |
| Polk County Oregon | 10 | $ 1,382,000 | $ 138,000 | $ 92,000 |
| Gwinnett County Georgia | 9 | $ 1,707,000 | $ 189,000 | $ 78,000 |
| Hillsborough County New Hampshire | 9 | $ 2,076,000 | $ 230,000 | $ 129,000 |
| Contra Costa County California | 7 | $ 3,378,000 | $ 482,000 | $ 112,000 |
| Nevada County California | 7 | $ 1,576,000 | $ 225,000 | $ 95,000 |
| Yuba County California | 7 | $ 1,428,000 | $ 204,000 | $ 39,000 |
| El Dorado County California | 6 | $ 2,574,000 | $ 429,000 | $ 108,000 |
| Orange County California | 6 | $ 1,665,000 | $ 277,000 | $ 101,000 |
| San Joaquin County California | 6 | $ 2,427,000 | $ 404,000 | $ 132,000 |
| Solano County California | 6 | $ 2,085,000 | $ 347,000 | $ 117,000 |
| Arapahoe County Colorado | 6 | $ 934,000 | $ 155,000 | $ 105,000 |
| Boulder County Colorado | 6 | $ 913,000 | $ 152,000 | $ 89,000 |
| Denver County Colorado | 6 | $ 1,002,000 | $ 167,000 | $ 112,000 |
| Broward County Florida | 6 | $ 1,657,000 | $ 276,000 | $ 106,000 |
| Gem County Idaho | 6 | $ 920,000 | $ 153,000 | $ 86,000 |
| Chester County Pennsylvania | 6 | $ 1,890,000 | $ 315,000 | $ 74,000 |
| Cherokee County Georgia | 5 | $ 637,000 | $ 127,000 | $ 81,000 |
| Washington County Oregon | 5 | $ 1,150,000 | $ 230,000 | $ 60,000 |
| Harris County Texas | 5 | $ 848,000 | $ 169,000 | $ 111,000 |
| King County Washington | 5 | $ 2,124,000 | $ 424,000 | $ 119,000 |
| San Francisco County California | 4 | $ 2,017,000 | $ 504,000 | $ 102,000 |
| Stanislaus County California | 4 | $ 764,000 | $ 191,000 | $ 63,000 |
| Sutter County California | 4 | $ 707,000 | $ 176,000 | $ 61,000 |
| Adams County Colorado | 4 | $ 411,000 | $ 102,000 | $ 59,000 |
| Anne Arundel County Maryland | 4 | $ 1,374,000 | $ 343,000 | $ 150,000 |
| Worcester County Massachusetts | 4 | $ 851,000 | $ 212,000 | $ 113,000 |
| Marion County Oregon | 4 | $ 370,000 | $ 92,000 | $ 108,000 |
| Fairfax County Virginia | 4 | $ 1,297,000 | $ 324,000 | $ 106,000 |
| Snohomish County Washington | 4 | $ 1,067,000 | $ 266,000 | $ 86,000 |
| Calaveras County California | 3 | $ 475,000 | $ 158,000 | $ 78,000 |
| Lake County California | 3 | $ 490,000 | $ 163,000 | $ 83,000 |
| San Luis Obispo County California | 3 | $ 1,100,000 | $ 366,000 | $ 99,000 |
| Pinellas County Florida | 3 | $ 390,000 | $ 130,000 | $ 57,000 |
| Boise County Idaho | 3 | $ 549,000 | $ 183,000 | $ 81,000 |
| Frederick County Maryland | 3 | $ 726,000 | $ 242,000 | $ 131,000 |
| Norfolk County Massachusetts | 3 | $ 923,000 | $ 307,000 | $ 98,000 |
| Montgomery County Texas | 3 | $ 544,000 | $ 181,000 | $ 106,000 |
| Loudoun County Virginia | 3 | $ 928,000 | $ 309,000 | $ 139,000 |
| Kern County California | 2 | $ 352,000 | $ 176,000 | $ 74,000 |
| Monterey County California | 2 | $ 1,169,000 | $ 584,000 | $ 204,000 |
| San Benito County California | 2 | $ 390,000 | $ 195,000 | $ 135,000 |
| Ventura County California | 2 | $ 734,000 | $ 367,000 | $ 101,000 |
| La Plata County Colorado | 2 | $ 500,000 | $ 250,000 | $ 34,000 |
| Hillsborough County Florida | 2 | $ 912,000 | $ 456,000 | $ 122,000 |
| Lee County Florida | 2 | $ 565,000 | $ 282,000 | $ 51,000 |
| Palm Beach County Florida | 2 | $ 209,000 | $ 104,000 | $ 41,000 |
| Seminole County Florida | 2 | $ 259,000 | $ 129,000 | $ 90,000 |
| Douglas County Georgia | 2 | $ 269,000 | $ 134,000 | $ 62,000 |
| Muscogee County Georgia | 2 | $ 300,000 | $ 150,000 | $ 201,000 |
| Bonner County Idaho | 2 | $ 120,000 | $ 60,000 | $ 43,000 |
| Barnstable County Massachusetts | 2 | $ 361,000 | $ 180,000 | $ 158,000 |
| Bristol County Massachusetts | 2 | $ 440,000 | $ 220,000 | $ 127,000 |
| Merrimack County New Hampshire | 2 | $ 318,000 | $ 159,000 | $ 47,000 |
| Bergen County New Jersey | 2 | $ 490,000 | $ 245,000 | $ 68,000 |
| Burlington County New Jersey | 2 | $ 445,000 | $ 222,000 | $ 181,000 |
| Essex County New Jersey | 2 | $ 462,000 | $ 231,000 | $ 88,000 |
| Mercer County New Jersey | 2 | $ 848,000 | $ 424,000 | $ 108,000 |
| Sussex County New Jersey | 2 | $ 382,000 | $ 191,000 | $ 65,000 |
| Clackamas County Oregon | 2 | $ 440,000 | $ 220,000 | $ 73,000 |
| Hood River County Oregon | 2 | $ 434,000 | $ 217,000 | $ 102,000 |
| Lane County Oregon | 2 | $ 276,000 | $ 138,000 | $ 24,000 |
| Yamhill County Oregon | 2 | $ 352,000 | $ 176,000 | $ 189,000 |
| Prince William County Virginia | 2 | $ 835,000 | $ 417,000 | $ 150,000 |
| Spokane County Washington | 2 | $ 554,000 | $ 277,000 | $ 136,000 |
| Stevens County Washington | 2 | $ 206,000 | $ 103,000 | $ 94,000 |
| Amador County California | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Lassen County California | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Marin County California | 1 | $ 960,000 | $ 960,000 | $ 267,000 |
| Mendocino County California | 1 | $ 106,000 | $ 106,000 | $ 23,000 |
| Santa Barbara County California | 1 | $ 207,000 | $ 207,000 | $ 110,000 |
| Shasta County California | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Broomfield County Colorado | 1 | $ 210,000 | $ 210,000 | $ 83,000 |
| Elbert County Colorado | 1 | $ 475,000 | $ 475,000 | $ 55,000 |
| Grand County Colorado | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Mesa County Colorado | 1 | $ 180,000 | $ 180,000 | $ 25,000 |
| Park County Colorado | 1 | $ 204,000 | $ 204,000 | $ 69,000 |
| Pueblo County Colorado | 1 | $ 116,000 | $ 116,000 | $ 88,000 |
| Summit County Colorado | 1 | $ 113,000 | $ 113,000 | $ 72,000 |
| Yuma County Colorado | 1 | $ 104,000 | $ 104,000 | $ 108,000 |
| Fairfield County Connecticut | 1 | $ 358,000 | $ 358,000 | $ 135,000 |
| District of Columbia County District Of Columbia | 1 | $ 314,000 | $ 314,000 | $ 95,000 |
| Brevard County Florida | 1 | $ 245,000 | $ 245,000 | $ 154,000 |
| Charlotte County Florida | 1 | $ 49,000 | $ 49,000 | $ 173,000 |
| Highlands County Florida | 1 | $ 84,000 | $ 84,000 | $ 16,000 |
| Okaloosa County Florida | 1 | $ 201,000 | $ 201,000 | $ 49,000 |
| Orange County Florida | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Osceola County Florida | 1 | $ 331,000 | $ 331,000 | $ 129,000 |
| Polk County Florida | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Santa Rosa County Florida | 1 | $ 134,000 | $ 134,000 | $ 63,000 |
| Sarasota County Florida | 1 | $ 128,000 | $ 128,000 | $ 76,000 |
| Bartow County Georgia | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Greene County Georgia | 1 | $ 165,000 | $ 165,000 | $ 20,000 |
| Paulding County Georgia | 1 | $ 288,000 | $ 288,000 | $ 130,000 |
| Pickens County Georgia | 1 | $ 261,000 | $ 261,000 | $ 29,000 |
| Adams County Idaho | 1 | $ 172,000 | $ 172,000 | $ 44,000 |
| Elmore County Idaho | 1 | $ 40,000 | $ 40,000 | $ 54,000 |
| Kootenai County Idaho | 1 | $ 250,000 | $ 250,000 | $ 110,000 |
| Twin Falls County Idaho | 1 | $ 180,000 | $ 180,000 | $ 11,000 |
| Valley County Idaho | 1 | $ 65,000 | $ 65,000 | $ 167,000 |
| Cumberland County Maine | 1 | $ 213,000 | $ 213,000 | $ 129,000 |
| Montgomery County Maryland | 1 | $ 153,000 | $ 153,000 | $ 81,000 |
| Gloucester County New Jersey | 1 | $ 154,000 | $ 154,000 | $ 203,000 |
| Hudson County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 75,000 |
| Ocean County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Somerset County New Jersey | 1 | $ 160,000 | $ 160,000 | $ 73,000 |
| Union County New Jersey | 1 | $ 327,000 | $ 327,000 | $ 131,000 |
| Warren County New Jersey | 1 | $ 40,000 | $ 40,000 | $ 88,000 |
| Bronx County New York | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Nassau County New York | 1 | $ 35,000 | $ 35,000 | $ 109,000 |
| Onondaga County New York | 1 | $ 387,000 | $ 387,000 | $ 90,000 |
| Orange County New York | 1 | $ 21,000 | $ 21,000 | $ 92,000 |
| Queens County New York | 1 | $ 360,000 | $ 360,000 | $ 82,000 |
| Clatsop County Oregon | 1 | $ 93,000 | $ 93,000 | $ 99,000 |
| Coos County Oregon | 1 | $ 324,000 | $ 324,000 | $ 85,000 |
| Deschutes County Oregon | 1 | $ 263,000 | $ 263,000 | $ 168,000 |
| Douglas County Oregon | 1 | $ 109,000 | $ 109,000 | $ 38,000 |
| Jackson County Oregon | 1 | $ 33,000 | $ 33,000 | $ 82,000 |
| Klamath County Oregon | 1 | $ 67,000 | $ 67,000 | $ 108,000 |
| Wasco County Oregon | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lebanon County Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 47,000 |
| Luzerne County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| Northampton County Pennsylvania | 1 | $ 437,000 | $ 437,000 | $ 62,000 |
| Philadelphia County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 137,000 |
| York County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 106,000 |
| Collin County Texas | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| Travis County Texas | 1 | $ 543,000 | $ 543,000 | $ 192,000 |
| Albemarle County Virginia | 1 | $ 230,000 | $ 230,000 | $ 85,000 |
| Chesapeake County Virginia | 1 | $ 400,000 | $ 400,000 | $ 121,000 |
| Henrico County Virginia | 1 | $ 123,000 | $ 123,000 | $ 40,000 |
| Montgomery County Virginia | 1 | $ 188,000 | $ 188,000 | $ 125,000 |
| Rockingham County Virginia | 1 | $ 248,000 | $ 248,000 | $ 16,000 |
| Suffolk County Virginia | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| Cowlitz County Washington | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Kitsap County Washington | 1 | $ 229,000 | $ 229,000 | $ 81,000 |
| Pierce County Washington | 1 | $ 154,000 | $ 154,000 | $ 73,000 |
| San Juan County Washington | 1 | $ 260,000 | $ 260,000 | $ 47,000 |
| Skamania County Washington | 1 | $ 62,000 | $ 62,000 | $ 72,000 |
| Whitman County Washington | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2005
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 | 1,229 | $325,280,000 | $233,277 | $1,780,000 | $95,111 | $1,047,000 |
| Home Purchase | 643 | $181,479,000 | $279,666 | $1,169,000 | $110,333 | $999,000 |
| Home Improvement | 2 | $455,000 | $227,500 | $390,000 | $125,500 | $160,000 |
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 | 1,118 | $281,494,000 | $239,842 | $1,780,000 | $100,421 | $1,000,000 |
| Not Provided | 378 | $101,604,000 | $214,833 | $1,000,000 | $99,666 | $1,047,000 |
| Asian | 204 | $77,079,000 | $275,571 | $1,140,000 | $108,857 | $353,000 |
| Hispanic | 109 | $29,971,000 | $174,384 | $1,010,000 | $76,769 | $319,000 |
| Black or African American | 52 | $13,453,000 | $237,857 | $536,000 | $97,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,104,000 | $302,000 | $520,000 | $118,000 | $150,000 |
| American Indian or Alaskan Native | 6 | $1,509,000 | $184,666 | $535,000 | $95,000 | $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) | 1,874 | $507,214,000 | $242,500 | $1,780,000 | $100,750 | $1,047,000 |
| 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 | 1,569 | $435,110,000 | $251,700 | $1,140,000 | $107,100 | $1,047,000 |
| Application Withdrawn By Applicant | 142 | $34,544,000 | $173,666 | $802,000 | $89,800 | $353,000 |
| Application Denied By Financial Institution | 108 | $25,407,000 | $201,714 | $1,780,000 | $67,785 | $1,000,000 |
| File Closed For Incompleteness | 28 | $5,839,000 | $209,700 | $650,000 | $93,000 | $346,000 |
| Preapproval Denied by Financial Institution | 14 | $3,965,000 | $283,000 | $624,000 | $70,000 | $189,000 |
| Application Approved But Not Accepted | 13 | $2,349,000 | $168,600 | $320,000 | $87,400 | $196,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 10 | $2,443,000 | $217,600 | $520,000 | $42,600 | $128,000 |
| Credit History | 5 | $869,000 | $179,750 | $240,000 | $73,500 | $93,000 |
| Other | 2 | $113,000 | $56,500 | $96,000 | $84,000 | $120,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2005 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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