First Technology Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First Technology Federal Credit Union 2007 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 | 2,159 |
| Total Mortgage Loan Application Amount | $396,712,000 |
| Average Mortgage Loan Application Amount | $160,000 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $662,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Larimer County Colorado | 241 | $ 30,456,000 | $ 126,000 | $ 86,000 |
| Santa Clara County California | 226 | $ 73,769,000 | $ 326,000 | $ 129,000 |
| Ada County Idaho | 149 | $ 19,866,000 | $ 133,000 | $ 91,000 |
| Placer County California | 141 | $ 29,889,000 | $ 211,000 | $ 102,000 |
| El Paso County Colorado | 122 | $ 17,128,000 | $ 140,000 | $ 81,000 |
| Benton County Oregon | 109 | $ 16,691,000 | $ 153,000 | $ 95,000 |
| Sacramento County California | 75 | $ 12,799,000 | $ 170,000 | $ 81,000 |
| Clark County Washington | 71 | $ 10,473,000 | $ 147,000 | $ 92,000 |
| Sonoma County California | 68 | $ 15,071,000 | $ 221,000 | $ 107,000 |
| San Diego County California | 62 | $ 15,306,000 | $ 246,000 | $ 122,000 |
| Weld County Colorado | 57 | $ 6,396,000 | $ 112,000 | $ 87,000 |
| Linn County Oregon | 43 | $ 4,151,000 | $ 96,000 | $ 72,000 |
| Harris County Texas | 39 | $ 5,054,000 | $ 129,000 | $ 84,000 |
| Alameda County California | 33 | $ 7,286,000 | $ 220,000 | $ 137,000 |
| Middlesex County Massachusetts | 32 | $ 8,059,000 | $ 251,000 | $ 121,000 |
| San Mateo County California | 28 | $ 10,149,000 | $ 362,000 | $ 172,000 |
| Douglas County Colorado | 26 | $ 4,581,000 | $ 176,000 | $ 85,000 |
| Essex County Massachusetts | 26 | $ 6,583,000 | $ 253,000 | $ 105,000 |
| Arapahoe County Colorado | 23 | $ 4,810,000 | $ 209,000 | $ 95,000 |
| New Castle County Delaware | 19 | $ 2,349,000 | $ 123,000 | $ 82,000 |
| San Francisco County California | 18 | $ 5,112,000 | $ 284,000 | $ 127,000 |
| Canyon County Idaho | 18 | $ 2,420,000 | $ 134,000 | $ 108,000 |
| Multnomah County Oregon | 17 | $ 3,265,000 | $ 192,000 | $ 99,000 |
| Adams County Colorado | 14 | $ 1,620,000 | $ 115,000 | $ 78,000 |
| Cobb County Georgia | 13 | $ 1,600,000 | $ 123,000 | $ 62,000 |
| Riverside County California | 12 | $ 3,468,000 | $ 289,000 | $ 134,000 |
| DeKalb County Georgia | 12 | $ 952,000 | $ 79,000 | $ 64,000 |
| Fulton County Georgia | 12 | $ 1,285,000 | $ 107,000 | $ 81,000 |
| Contra Costa County California | 10 | $ 2,908,000 | $ 290,000 | $ 125,000 |
| El Dorado County California | 10 | $ 2,019,000 | $ 201,000 | $ 105,000 |
| Denver County Colorado | 10 | $ 1,577,000 | $ 157,000 | $ 83,000 |
| Boulder County Colorado | 9 | $ 1,687,000 | $ 187,000 | $ 126,000 |
| Gwinnett County Georgia | 9 | $ 663,000 | $ 73,000 | $ 101,000 |
| Rockingham County New Hampshire | 9 | $ 1,541,000 | $ 171,000 | $ 104,000 |
| Clackamas County Oregon | 9 | $ 993,000 | $ 110,000 | $ 95,000 |
| Marion County Oregon | 9 | $ 1,287,000 | $ 143,000 | $ 97,000 |
| Nevada County California | 8 | $ 2,328,000 | $ 291,000 | $ 84,000 |
| Orange County California | 8 | $ 1,601,000 | $ 200,000 | $ 140,000 |
| Polk County Oregon | 8 | $ 823,000 | $ 102,000 | $ 104,000 |
| King County Washington | 8 | $ 1,701,000 | $ 212,000 | $ 105,000 |
| Worcester County Massachusetts | 7 | $ 1,059,000 | $ 151,000 | $ 108,000 |
| Washington County Oregon | 7 | $ 1,434,000 | $ 204,000 | $ 71,000 |
| Fresno County California | 6 | $ 1,190,000 | $ 198,000 | $ 125,000 |
| Los Angeles County California | 6 | $ 2,704,000 | $ 450,000 | $ 138,000 |
| San Joaquin County California | 6 | $ 1,084,000 | $ 180,000 | $ 98,000 |
| Santa Cruz County California | 6 | $ 1,372,000 | $ 228,000 | $ 93,000 |
| Elbert County Colorado | 6 | $ 1,033,000 | $ 172,000 | $ 84,000 |
| Jefferson County Colorado | 6 | $ 1,085,000 | $ 180,000 | $ 90,000 |
| Broward County Florida | 6 | $ 2,093,000 | $ 348,000 | $ 113,000 |
| Hillsborough County New Hampshire | 6 | $ 1,094,000 | $ 182,000 | $ 147,000 |
| Lane County Oregon | 6 | $ 364,000 | $ 60,000 | $ 71,000 |
| Chester County Pennsylvania | 6 | $ 903,000 | $ 150,000 | $ 92,000 |
| Snohomish County Washington | 6 | $ 1,086,000 | $ 181,000 | $ 134,000 |
| Miami-Dade County Florida | 5 | $ 666,000 | $ 133,000 | $ 98,000 |
| Frederick County Maryland | 5 | $ 914,000 | $ 182,000 | $ 107,000 |
| Stanislaus County California | 4 | $ 987,000 | $ 246,000 | $ 82,000 |
| Palm Beach County Florida | 4 | $ 316,000 | $ 79,000 | $ 126,000 |
| Cherokee County Georgia | 4 | $ 306,000 | $ 76,000 | $ 61,000 |
| Clayton County Georgia | 4 | $ 231,000 | $ 57,000 | $ 39,000 |
| Forsyth County Georgia | 4 | $ 208,000 | $ 52,000 | $ 89,000 |
| Gem County Idaho | 4 | $ 583,000 | $ 145,000 | $ 112,000 |
| Valley County Idaho | 4 | $ 842,000 | $ 210,000 | $ 78,000 |
| Montgomery County Maryland | 4 | $ 592,000 | $ 148,000 | $ 96,000 |
| Bristol County Massachusetts | 4 | $ 786,000 | $ 196,000 | $ 109,000 |
| Montgomery County Pennsylvania | 4 | $ 745,000 | $ 186,000 | $ 91,000 |
| Montgomery County Texas | 4 | $ 555,000 | $ 138,000 | $ 99,000 |
| Prince William County Virginia | 4 | $ 1,103,000 | $ 275,000 | $ 107,000 |
| Marin County California | 3 | $ 1,886,000 | $ 628,000 | $ 156,000 |
| Monterey County California | 3 | $ 300,000 | $ 100,000 | $ 263,000 |
| San Benito County California | 3 | $ 1,522,000 | $ 507,000 | $ 152,000 |
| San Bernardino County California | 3 | $ 437,000 | $ 145,000 | $ 165,000 |
| Sutter County California | 3 | $ 459,000 | $ 153,000 | $ 61,000 |
| Yuba County California | 3 | $ 1,388,000 | $ 462,000 | $ 147,000 |
| Hillsborough County Florida | 3 | $ 578,000 | $ 192,000 | $ 111,000 |
| Polk County Florida | 3 | $ 302,000 | $ 100,000 | $ 74,000 |
| Newton County Georgia | 3 | $ 44,000 | $ 14,000 | $ 77,000 |
| Anne Arundel County Maryland | 3 | $ 417,000 | $ 139,000 | $ 93,000 |
| Baltimore County Maryland | 3 | $ 595,000 | $ 198,000 | $ 125,000 |
| Howard County Maryland | 3 | $ 42,000 | $ 14,000 | $ 102,000 |
| Burlington County New Jersey | 3 | $ 173,000 | $ 57,000 | $ 64,000 |
| Lincoln County Oregon | 3 | $ 393,000 | $ 131,000 | $ 140,000 |
| Clallam County Washington | 3 | $ 488,000 | $ 162,000 | $ 27,000 |
| Spokane County Washington | 3 | $ 280,000 | $ 93,000 | $ 73,000 |
| Mendocino County California | 2 | $ 902,000 | $ 451,000 | $ 95,000 |
| San Luis Obispo County California | 2 | $ 740,000 | $ 370,000 | $ 92,000 |
| Solano County California | 2 | $ 667,000 | $ 333,000 | $ 115,000 |
| Yolo County California | 2 | $ 407,000 | $ 203,000 | $ 52,000 |
| Grand County Colorado | 2 | $ 251,000 | $ 125,000 | $ 183,000 |
| Lake County Colorado | 2 | $ 164,000 | $ 82,000 | $ 125,000 |
| Park County Colorado | 2 | $ 20,000 | $ 10,000 | $ 31,000 |
| Teller County Colorado | 2 | $ 137,000 | $ 68,000 | $ 77,000 |
| Fairfield County Connecticut | 2 | $ 750,000 | $ 375,000 | $ 350,000 |
| Kent County Delaware | 2 | $ 18,000 | $ 9,000 | $ 60,000 |
| Lee County Florida | 2 | $ 390,000 | $ 195,000 | $ 86,000 |
| Orange County Florida | 2 | $ 189,000 | $ 94,000 | $ 94,000 |
| Douglas County Georgia | 2 | $ 416,000 | $ 208,000 | $ 103,000 |
| York County Maine | 2 | $ 143,000 | $ 71,000 | $ 94,000 |
| Plymouth County Massachusetts | 2 | $ 145,000 | $ 72,000 | $ 122,000 |
| Essex County New Jersey | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Hudson County New Jersey | 2 | $ 154,000 | $ 77,000 | $ 68,000 |
| Monmouth County New Jersey | 2 | $ 270,000 | $ 135,000 | $ 103,000 |
| Passaic County New Jersey | 2 | $ 240,000 | $ 120,000 | $ 69,000 |
| Sussex County New Jersey | 2 | $ 27,000 | $ 13,000 | $ 79,000 |
| Deschutes County Oregon | 2 | $ 236,000 | $ 118,000 | $ 141,000 |
| Jackson County Oregon | 2 | $ 621,000 | $ 310,000 | $ 125,000 |
| Yamhill County Oregon | 2 | $ 54,000 | $ 27,000 | $ 74,000 |
| Dauphin County Pennsylvania | 2 | $ 141,000 | $ 70,000 | $ 110,000 |
| Collin County Texas | 2 | $ 347,000 | $ 173,000 | $ 105,000 |
| Fort Bend County Texas | 2 | $ 338,000 | $ 169,000 | $ 37,000 |
| Travis County Texas | 2 | $ 310,000 | $ 155,000 | $ 104,000 |
| Williamson County Texas | 2 | $ 285,000 | $ 142,000 | $ 94,000 |
| Fairfax County Virginia | 2 | $ 668,000 | $ 334,000 | $ 308,000 |
| Kitsap County Washington | 2 | $ 421,000 | $ 210,000 | $ 106,000 |
| Lewis County Washington | 2 | $ 351,000 | $ 175,000 | $ 190,000 |
| Maricopa County Arizona | 1 | $ 47,000 | $ 47,000 | $ 41,000 |
| Pima County Arizona | 1 | $ 59,000 | $ 59,000 | $ 120,000 |
| Butte County California | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Del Norte County California | 1 | $ 298,000 | $ 298,000 | $ 88,000 |
| Humboldt County California | 1 | $ 80,000 | $ 80,000 | $ 140,000 |
| Kern County California | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Lake County California | 1 | $ 340,000 | $ 340,000 | $ 86,000 |
| Mono County California | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Napa County California | 1 | $ 362,000 | $ 362,000 | $ 103,000 |
| Santa Barbara County California | 1 | $ 60,000 | $ 60,000 | $ 97,000 |
| Shasta County California | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Tehama County California | 1 | $ 209,000 | $ 209,000 | $ 29,000 |
| Tulare County California | 1 | $ 88,000 | $ 88,000 | $ 182,000 |
| Tuolumne County California | 1 | $ 140,000 | $ 140,000 | $ 122,000 |
| Broomfield County Colorado | 1 | $ 242,000 | $ 242,000 | $ 93,000 |
| Chaffee County Colorado | 1 | $ 220,000 | $ 220,000 | $ 273,000 |
| Clear Creek County Colorado | 1 | $ 138,000 | $ 138,000 | $ 31,000 |
| La Plata County Colorado | 1 | $ 178,000 | $ 178,000 | $ 51,000 |
| Montrose County Colorado | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Rio Blanco County Colorado | 1 | $ 175,000 | $ 175,000 | $ 142,000 |
| Summit County Colorado | 1 | $ 242,000 | $ 242,000 | $ 255,000 |
| New Haven County Connecticut | 1 | $ 250,000 | $ 250,000 | $ 101,000 |
| Sussex County Delaware | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Bay County Florida | 1 | $ 68,000 | $ 68,000 | $ 90,000 |
| Escambia County Florida | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Martin County Florida | 1 | $ 222,000 | $ 222,000 | $ 70,000 |
| Nassau County Florida | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Pasco County Florida | 1 | $ 114,000 | $ 114,000 | $ 74,000 |
| Pinellas County Florida | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Seminole County Florida | 1 | $ 14,000 | $ 14,000 | $ 73,000 |
| St. Johns County Florida | 1 | $ 10,000 | $ 10,000 | $ 146,000 |
| Volusia County Florida | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Bartow County Georgia | 1 | $ 97,000 | $ 97,000 | $ 79,000 |
| Clarke County Georgia | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Floyd County Georgia | 1 | $ 24,000 | $ 24,000 | $ 106,000 |
| Gilmer County Georgia | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Greene County Georgia | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Houston County Georgia | 1 | $ 81,000 | $ 81,000 | $ 56,000 |
| Murray County Georgia | 1 | $ 5,000 | $ 5,000 | $ 96,000 |
| Pickens County Georgia | 1 | $ 70,000 | $ 70,000 | $ 116,000 |
| Polk County Georgia | 1 | $ 60,000 | $ 60,000 | $ 140,000 |
| Rockdale County Georgia | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| White County Georgia | 1 | $ 218,000 | $ 218,000 | $ 142,000 |
| Adams County Idaho | 1 | $ 50,000 | $ 50,000 | $ 131,000 |
| Bannock County Idaho | 1 | $ 33,000 | $ 33,000 | $ 75,000 |
| Boise County Idaho | 1 | $ 194,000 | $ 194,000 | $ 123,000 |
| Bonner County Idaho | 1 | $ 120,000 | $ 120,000 | $ 76,000 |
| Jefferson County Idaho | 1 | $ 35,000 | $ 35,000 | $ 132,000 |
| Kootenai County Idaho | 1 | $ 130,000 | $ 130,000 | $ 38,000 |
| Owyhee County Idaho | 1 | $ 146,000 | $ 146,000 | $ 71,000 |
| Twin Falls County Idaho | 1 | $ 134,000 | $ 134,000 | $ 45,000 |
| Somerset County Maine | 1 | $ 158,000 | $ 158,000 | $ 52,000 |
| Baltimore City County Maryland | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Cecil County Maryland | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Barnstable County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Franklin County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Norfolk County Massachusetts | 1 | $ 51,000 | $ 51,000 | $ 92,000 |
| Oakland County Michigan | 1 | $ 10,000 | $ 10,000 | $ 68,000 |
| Wayne County Michigan | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Belknap County New Hampshire | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Merrimack County New Hampshire | 1 | $ 62,000 | $ 62,000 | $ 88,000 |
| Strafford County New Hampshire | 1 | $ 18,000 | $ 18,000 | $ 137,000 |
| Sullivan County New Hampshire | 1 | $ 270,000 | $ 270,000 | $ 115,000 |
| Cape May County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 296,000 |
| Gloucester County New Jersey | 1 | $ 131,000 | $ 131,000 | $ 40,000 |
| Middlesex County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 233,000 |
| Morris County New Jersey | 1 | $ 24,000 | $ 24,000 | $ 58,000 |
| Erie County New York | 1 | $ 160,000 | $ 160,000 | $ 37,000 |
| Onondaga County New York | 1 | $ 110,000 | $ 110,000 | $ 75,000 |
| Otsego County New York | 1 | $ 171,000 | $ 171,000 | $ 108,000 |
| St. Lawrence County New York | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Suffolk County New York | 1 | $ 348,000 | $ 348,000 | $ 136,000 |
| Forsyth County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 82,000 |
| Baker County Oregon | 1 | $ 185,000 | $ 185,000 | $ 122,000 |
| Curry County Oregon | 1 | $ 90,000 | $ 90,000 | $ 248,000 |
| Hood River County Oregon | 1 | $ 10,000 | $ 10,000 | $ 51,000 |
| Josephine County Oregon | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Delaware County Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 153,000 |
| Lawrence County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Aguada County Puerto Rico | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| Aguadilla County Puerto Rico | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Brazoria County Texas | 1 | $ 58,000 | $ 58,000 | $ 135,000 |
| Denton County Texas | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| El Paso County Texas | 1 | $ 64,000 | $ 64,000 | $ 112,000 |
| Grayson County Texas | 1 | $ 10,000 | $ 10,000 | $ 90,000 |
| Hays County Texas | 1 | $ 20,000 | $ 20,000 | $ 153,000 |
| Hidalgo County Texas | 1 | $ 190,000 | $ 190,000 | $ 82,000 |
| Matagorda County Texas | 1 | $ 156,000 | $ 156,000 | $ 72,000 |
| Tarrant County Texas | 1 | $ 222,000 | $ 222,000 | $ 85,000 |
| Salt Lake County Utah | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Albemarle County Virginia | 1 | $ 147,000 | $ 147,000 | $ 100,000 |
| Henrico County Virginia | 1 | $ 230,000 | $ 230,000 | $ 120,000 |
| Cowlitz County Washington | 1 | $ 36,000 | $ 36,000 | $ 55,000 |
| Island County Washington | 1 | $ 260,000 | $ 260,000 | $ 44,000 |
| Pacific County Washington | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Whatcom County Washington | 1 | $ 300,000 | $ 300,000 | $ 186,000 |
| Whitman County Washington | 1 | $ 206,000 | $ 206,000 | $ 123,000 |
| Racine County Wisconsin | 1 | $ 4,000 | $ 4,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2007
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 | 1,474 | $290,700,000 | $197,000 | $2,100,000 | $101,000 | $494,000 |
| Home Purchase | 386 | $93,597,000 | $242,000 | $2,000,000 | $101,000 | $560,000 |
| Home Improvement | 299 | $12,415,000 | $41,000 | $350,000 | $95,000 | $662,000 |
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 | 1,188 | $216,636,000 | $182,000 | $2,000,000 | $100,000 | $560,000 |
| Not Provided | 593 | $95,770,000 | $161,000 | $1,200,000 | $106,000 | $662,000 |
| Hispanic | 175 | $32,774,000 | $187,000 | $687,000 | $85,000 | $250,000 |
| Asian | 120 | $33,846,000 | $282,000 | $2,100,000 | $116,000 | $298,000 |
| Black or African American | 67 | $14,207,000 | $212,000 | $924,000 | $83,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,695,000 | $224,000 | $503,000 | $90,000 | $180,000 |
| American Indian or Alaskan Native | 4 | $784,000 | $196,000 | $299,000 | $74,000 | $112,000 |
| 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) | 2,159 | $396,712,000 | $183,000 | $2,100,000 | $100,000 | $662,000 |
| 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 | 1,668 | $288,643,000 | $173,000 | $2,000,000 | $102,000 | $662,000 |
| Application Withdrawn By Applicant | 249 | $57,112,000 | $229,000 | $1,100,000 | $107,000 | $385,000 |
| Application Denied By Financial Institution | 207 | $42,516,000 | $205,000 | $2,100,000 | $77,000 | $298,000 |
| File Closed For Incompleteness | 20 | $5,891,000 | $294,000 | $820,000 | $108,000 | $223,000 |
| Application Approved But Not Accepted | 15 | $2,550,000 | $170,000 | $518,000 | $95,000 | $192,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 65 | $15,952,000 | $245,000 | $2,100,000 | $71,000 | $298,000 |
| Credit History | 60 | $8,067,000 | $134,000 | $735,000 | $74,000 | $235,000 |
| Collateral | 45 | $10,514,000 | $233,000 | $980,000 | $90,000 | $246,000 |
| Unverifiable Information | 4 | $2,069,000 | $517,000 | $1,600,000 | $69,000 | $189,000 |
| Credit Application Incomplete | 1 | $167,000 | $167,000 | $167,000 | $23,000 | $23,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $84,000 | $84,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2007 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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