First Technology Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
First Technology Federal Credit Union 2008 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 | 2,587 |
| Total Mortgage Loan Application Amount | $642,500,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $107,333 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 326 | $ 128,864,000 | $ 395,000 | $ 149,000 |
| Larimer County Colorado | 236 | $ 39,228,000 | $ 166,000 | $ 86,000 |
| Ada County Idaho | 166 | $ 31,373,000 | $ 188,000 | $ 98,000 |
| Placer County California | 161 | $ 41,723,000 | $ 259,000 | $ 118,000 |
| El Paso County Colorado | 136 | $ 28,267,000 | $ 207,000 | $ 90,000 |
| Sonoma County California | 115 | $ 29,805,000 | $ 259,000 | $ 99,000 |
| San Diego County California | 105 | $ 38,082,000 | $ 362,000 | $ 142,000 |
| Benton County Oregon | 101 | $ 19,175,000 | $ 189,000 | $ 106,000 |
| Clark County Washington | 75 | $ 15,884,000 | $ 211,000 | $ 108,000 |
| Sacramento County California | 69 | $ 13,229,000 | $ 191,000 | $ 107,000 |
| Harris County Texas | 67 | $ 7,875,000 | $ 117,000 | $ 94,000 |
| Alameda County California | 65 | $ 26,611,000 | $ 409,000 | $ 140,000 |
| San Mateo County California | 56 | $ 26,000,000 | $ 464,000 | $ 153,000 |
| Weld County Colorado | 52 | $ 8,567,000 | $ 164,000 | $ 84,000 |
| Linn County Oregon | 46 | $ 6,262,000 | $ 136,000 | $ 71,000 |
| Douglas County Colorado | 28 | $ 6,830,000 | $ 243,000 | $ 125,000 |
| Essex County Massachusetts | 28 | $ 5,058,000 | $ 180,000 | $ 90,000 |
| Middlesex County Massachusetts | 27 | $ 8,809,000 | $ 326,000 | $ 132,000 |
| Arapahoe County Colorado | 25 | $ 3,849,000 | $ 153,000 | $ 87,000 |
| Contra Costa County California | 22 | $ 9,704,000 | $ 441,000 | $ 129,000 |
| Multnomah County Oregon | 21 | $ 4,157,000 | $ 197,000 | $ 74,000 |
| San Francisco County California | 19 | $ 7,517,000 | $ 395,000 | $ 143,000 |
| Denver County Colorado | 18 | $ 2,918,000 | $ 162,000 | $ 82,000 |
| New Castle County Delaware | 16 | $ 2,497,000 | $ 156,000 | $ 93,000 |
| Fulton County Georgia | 16 | $ 3,511,000 | $ 219,000 | $ 111,000 |
| Travis County Texas | 16 | $ 2,789,000 | $ 174,000 | $ 364,000 |
| Canyon County Idaho | 15 | $ 3,017,000 | $ 201,000 | $ 83,000 |
| Jefferson County Colorado | 14 | $ 3,239,000 | $ 231,000 | $ 140,000 |
| Cobb County Georgia | 14 | $ 1,886,000 | $ 134,000 | $ 80,000 |
| Washington County Oregon | 14 | $ 3,158,000 | $ 225,000 | $ 123,000 |
| El Dorado County California | 12 | $ 4,197,000 | $ 349,000 | $ 152,000 |
| Gwinnett County Georgia | 12 | $ 1,307,000 | $ 108,000 | $ 89,000 |
| Orange County California | 11 | $ 4,414,000 | $ 401,000 | $ 145,000 |
| Santa Cruz County California | 11 | $ 4,065,000 | $ 369,000 | $ 143,000 |
| Boulder County Colorado | 11 | $ 2,776,000 | $ 252,000 | $ 88,000 |
| Miami-Dade County Florida | 11 | $ 3,620,000 | $ 329,000 | $ 132,000 |
| Rockingham County New Hampshire | 11 | $ 2,654,000 | $ 241,000 | $ 96,000 |
| Maricopa County Arizona | 10 | $ 1,580,000 | $ 158,000 | $ 111,000 |
| Hillsborough County New Hampshire | 10 | $ 1,985,000 | $ 198,000 | $ 93,000 |
| Riverside County California | 9 | $ 2,115,000 | $ 235,000 | $ 101,000 |
| San Joaquin County California | 9 | $ 1,453,000 | $ 161,000 | $ 121,000 |
| Adams County Colorado | 9 | $ 1,484,000 | $ 164,000 | $ 92,000 |
| Forsyth County Georgia | 9 | $ 1,351,000 | $ 150,000 | $ 98,000 |
| Clackamas County Oregon | 9 | $ 1,822,000 | $ 202,000 | $ 109,000 |
| Nevada County California | 8 | $ 2,537,000 | $ 317,000 | $ 80,000 |
| Broward County Florida | 8 | $ 1,777,000 | $ 222,000 | $ 129,000 |
| King County Washington | 8 | $ 2,863,000 | $ 357,000 | $ 109,000 |
| Los Angeles County California | 7 | $ 2,063,000 | $ 294,000 | $ 130,000 |
| Shasta County California | 7 | $ 699,000 | $ 99,000 | $ 109,000 |
| Polk County Oregon | 7 | $ 752,000 | $ 107,000 | $ 92,000 |
| Calaveras County California | 6 | $ 1,263,000 | $ 210,000 | $ 271,000 |
| Stanislaus County California | 6 | $ 1,029,000 | $ 171,000 | $ 91,000 |
| Clark County Nevada | 6 | $ 1,893,000 | $ 315,000 | $ 217,000 |
| Marion County Oregon | 6 | $ 1,228,000 | $ 204,000 | $ 110,000 |
| Williamson County Texas | 6 | $ 719,000 | $ 119,000 | $ 124,000 |
| Snohomish County Washington | 6 | $ 1,288,000 | $ 214,000 | $ 135,000 |
| Spokane County Washington | 6 | $ 1,345,000 | $ 224,000 | $ 123,000 |
| San Bernardino County California | 5 | $ 1,025,000 | $ 205,000 | $ 115,000 |
| Yuba County California | 5 | $ 1,102,000 | $ 220,000 | $ 69,000 |
| Broomfield County Colorado | 5 | $ 1,069,000 | $ 213,000 | $ 113,000 |
| Pima County Arizona | 4 | $ 603,000 | $ 150,000 | $ 81,000 |
| Marin County California | 4 | $ 1,746,000 | $ 436,000 | $ 150,000 |
| Teller County Colorado | 4 | $ 735,000 | $ 183,000 | $ 70,000 |
| DeKalb County Georgia | 4 | $ 311,000 | $ 77,000 | $ 63,000 |
| Plymouth County Massachusetts | 4 | $ 937,000 | $ 234,000 | $ 91,000 |
| Worcester County Massachusetts | 4 | $ 1,008,000 | $ 252,000 | $ 140,000 |
| Chester County Pennsylvania | 4 | $ 717,000 | $ 179,000 | $ 123,000 |
| Monroe County Pennsylvania | 4 | $ 349,000 | $ 87,000 | $ 81,000 |
| Montgomery County Pennsylvania | 4 | $ 497,000 | $ 124,000 | $ 107,000 |
| Collin County Texas | 4 | $ 518,000 | $ 129,000 | $ 109,000 |
| Yavapai County Arizona | 3 | $ 591,000 | $ 197,000 | $ 112,000 |
| Fresno County California | 3 | $ 585,000 | $ 195,000 | $ 143,000 |
| Merced County California | 3 | $ 477,000 | $ 159,000 | $ 132,000 |
| San Luis Obispo County California | 3 | $ 723,000 | $ 241,000 | $ 108,000 |
| Pueblo County Colorado | 3 | $ 425,000 | $ 141,000 | $ 119,000 |
| Routt County Colorado | 3 | $ 1,867,000 | $ 622,000 | $ 199,000 |
| Fairfield County Connecticut | 3 | $ 739,000 | $ 246,000 | $ 77,000 |
| Brevard County Florida | 3 | $ 183,000 | $ 61,000 | $ 79,000 |
| Volusia County Florida | 3 | $ 345,000 | $ 115,000 | $ 65,000 |
| Rockdale County Georgia | 3 | $ 572,000 | $ 190,000 | $ 80,000 |
| Kootenai County Idaho | 3 | $ 441,000 | $ 147,000 | $ 55,000 |
| Valley County Idaho | 3 | $ 616,000 | $ 205,000 | $ 51,000 |
| Frederick County Maryland | 3 | $ 301,000 | $ 100,000 | $ 88,000 |
| Montgomery County Maryland | 3 | $ 425,000 | $ 141,000 | $ 82,000 |
| Barnstable County Massachusetts | 3 | $ 741,000 | $ 247,000 | $ 129,000 |
| Washoe County Nevada | 3 | $ 973,000 | $ 324,000 | $ 286,000 |
| Monroe County New York | 3 | $ 783,000 | $ 261,000 | $ 118,000 |
| Mecklenburg County North Carolina | 3 | $ 261,000 | $ 87,000 | $ 102,000 |
| Lane County Oregon | 3 | $ 429,000 | $ 143,000 | $ 67,000 |
| Tarrant County Texas | 3 | $ 329,000 | $ 109,000 | $ 121,000 |
| Loudoun County Virginia | 3 | $ 1,334,000 | $ 444,000 | $ 91,000 |
| Butte County California | 2 | $ 353,000 | $ 176,000 | $ 116,000 |
| Mendocino County California | 2 | $ 680,000 | $ 340,000 | $ 12,000 |
| Napa County California | 2 | $ 1,914,000 | $ 957,000 | $ 193,000 |
| Santa Barbara County California | 2 | $ 304,000 | $ 152,000 | $ 125,000 |
| Solano County California | 2 | $ 777,000 | $ 388,000 | $ 110,000 |
| Ventura County California | 2 | $ 505,000 | $ 252,000 | $ 112,000 |
| Elbert County Colorado | 2 | $ 25,000 | $ 12,000 | $ 76,000 |
| Mesa County Colorado | 2 | $ 444,000 | $ 222,000 | $ 165,000 |
| Park County Colorado | 2 | $ 509,000 | $ 254,000 | $ 142,000 |
| Summit County Colorado | 2 | $ 331,000 | $ 165,000 | $ 89,000 |
| Hillsborough County Florida | 2 | $ 670,000 | $ 335,000 | $ 140,000 |
| Lee County Florida | 2 | $ 433,000 | $ 216,000 | $ 83,000 |
| Bartow County Georgia | 2 | $ 306,000 | $ 153,000 | $ 59,000 |
| Cherokee County Georgia | 2 | $ 232,000 | $ 116,000 | $ 78,000 |
| Douglas County Georgia | 2 | $ 297,000 | $ 148,000 | $ 195,000 |
| Gem County Idaho | 2 | $ 461,000 | $ 230,000 | $ 107,000 |
| Norfolk County Massachusetts | 2 | $ 457,000 | $ 228,000 | $ 82,000 |
| Suffolk County Massachusetts | 2 | $ 397,000 | $ 198,000 | $ 107,000 |
| Burlington County New Jersey | 2 | $ 207,000 | $ 103,000 | $ 153,000 |
| Middlesex County New Jersey | 2 | $ 259,000 | $ 129,000 | $ 142,000 |
| Morris County New Jersey | 2 | $ 108,000 | $ 54,000 | $ 59,000 |
| Passaic County New Jersey | 2 | $ 420,000 | $ 210,000 | $ 64,000 |
| Sussex County New Jersey | 2 | $ 342,000 | $ 171,000 | $ 129,000 |
| Union County New Jersey | 2 | $ 346,000 | $ 173,000 | $ 107,000 |
| Kings County New York | 2 | $ 1,290,000 | $ 645,000 | $ 132,000 |
| Washington County New York | 2 | $ 124,000 | $ 62,000 | $ 72,000 |
| Deschutes County Oregon | 2 | $ 961,000 | $ 480,000 | $ 195,000 |
| Jackson County Oregon | 2 | $ 321,000 | $ 160,000 | $ 96,000 |
| Yamhill County Oregon | 2 | $ 214,000 | $ 107,000 | $ 68,000 |
| Philadelphia County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 80,000 |
| Aiken County South Carolina | 2 | $ 169,000 | $ 84,000 | $ 77,000 |
| Fort Bend County Texas | 2 | $ 138,000 | $ 69,000 | $ 108,000 |
| Leon County Texas | 2 | $ 118,000 | $ 59,000 | $ 134,000 |
| Montgomery County Texas | 2 | $ 191,000 | $ 95,000 | $ 84,000 |
| Fairfax County Virginia | 2 | $ 284,000 | $ 142,000 | $ 121,000 |
| Clallam County Washington | 2 | $ 115,000 | $ 57,000 | $ 46,000 |
| Kitsap County Washington | 2 | $ 205,000 | $ 102,000 | $ 114,000 |
| Lewis County Washington | 2 | $ 318,000 | $ 159,000 | $ 152,000 |
| Mohave County Arizona | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Pinal County Arizona | 1 | $ 99,000 | $ 99,000 | $ 58,000 |
| Lake County California | 1 | $ 268,000 | $ 268,000 | $ 63,000 |
| Lassen County California | 1 | $ 194,000 | $ 194,000 | $ 25,000 |
| Monterey County California | 1 | $ 103,000 | $ 103,000 | $ 9,000 |
| Plumas County California | 1 | $ 808,000 | $ 808,000 | $ 140,000 |
| Sutter County California | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Tulare County California | 1 | $ 355,000 | $ 355,000 | $ 147,000 |
| Tuolumne County California | 1 | $ 200,000 | $ 200,000 | $ 253,000 |
| Yolo County California | 1 | $ 479,000 | $ 479,000 | $ 152,000 |
| Baca County Colorado | 1 | $ 5,000 | $ 5,000 | $ 37,000 |
| Costilla County Colorado | 1 | $ 171,000 | $ 171,000 | $ 125,000 |
| Eagle County Colorado | 1 | $ 354,000 | $ 354,000 | $ 120,000 |
| Fremont County Colorado | 1 | $ 87,000 | $ 87,000 | $ 199,000 |
| Grand County Colorado | 1 | $ 234,000 | $ 234,000 | $ 327,000 |
| Montrose County Colorado | 1 | $ 30,000 | $ 30,000 | $ 99,000 |
| New Haven County Connecticut | 1 | $ 650,000 | $ 650,000 | $ 220,000 |
| Alachua County Florida | 1 | $ 6,000 | $ 6,000 | $ 86,000 |
| Bay County Florida | 1 | $ 50,000 | $ 50,000 | $ 111,000 |
| Charlotte County Florida | 1 | $ 192,000 | $ 192,000 | $ 100,000 |
| Escambia County Florida | 1 | $ 142,000 | $ 142,000 | $ 100,000 |
| Monroe County Florida | 1 | $ 20,000 | $ 20,000 | $ 525,000 |
| Orange County Florida | 1 | $ 220,000 | $ 220,000 | $ 79,000 |
| Palm Beach County Florida | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Pinellas County Florida | 1 | $ 79,000 | $ 79,000 | $ 85,000 |
| Chatham County Georgia | 1 | $ 550,000 | $ 550,000 | $ 108,000 |
| Coweta County Georgia | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Fayette County Georgia | 1 | $ 12,000 | $ 12,000 | $ 92,000 |
| Pike County Georgia | 1 | $ 109,000 | $ 109,000 | $ 114,000 |
| Walton County Georgia | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Boise County Idaho | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Bonner County Idaho | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Elmore County Idaho | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Jefferson County Idaho | 1 | $ 167,000 | $ 167,000 | $ 63,000 |
| Nez Perce County Idaho | 1 | $ 100,000 | $ 100,000 | $ 18,000 |
| Payette County Idaho | 1 | $ 164,000 | $ 164,000 | $ 146,000 |
| Clinton County Illinois | 1 | $ 5,000 | $ 5,000 | $ 69,000 |
| Hendricks County Indiana | 1 | $ 10,000 | $ 10,000 | $ 128,000 |
| East Baton Rouge County Louisiana | 1 | $ 12,000 | $ 12,000 | $ 66,000 |
| Cumberland County Maine | 1 | $ 200,000 | $ 200,000 | $ 177,000 |
| Anne Arundel County Maryland | 1 | $ 60,000 | $ 60,000 | $ 133,000 |
| Baltimore County Maryland | 1 | $ 356,000 | $ 356,000 | $ 203,000 |
| Baltimore City County Maryland | 1 | $ 200,000 | $ 200,000 | $ 77,000 |
| Dorchester County Maryland | 1 | $ 159,000 | $ 159,000 | $ 121,000 |
| Worcester County Maryland | 1 | $ 4,000 | $ 4,000 | $ 40,000 |
| Stearns County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Nye County Nevada | 1 | $ 320,000 | $ 320,000 | $ 156,000 |
| Carroll County New Hampshire | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Grafton County New Hampshire | 1 | $ 196,000 | $ 196,000 | $ 190,000 |
| Strafford County New Hampshire | 1 | $ 144,000 | $ 144,000 | $ 47,000 |
| Sullivan County New Hampshire | 1 | $ 262,000 | $ 262,000 | $ 158,000 |
| Bergen County New Jersey | 1 | $ 12,000 | $ 12,000 | $ 52,000 |
| Essex County New Jersey | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Hudson County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 141,000 |
| Mercer County New Jersey | 1 | $ 950,000 | $ 950,000 | $ 235,000 |
| Ocean County New Jersey | 1 | $ 230,000 | $ 230,000 | $ 106,000 |
| Somerset County New Jersey | 1 | $ 381,000 | $ 381,000 | $ 126,000 |
| Warren County New Jersey | 1 | $ 162,000 | $ 162,000 | $ 127,000 |
| Cortland County New York | 1 | $ 116,000 | $ 116,000 | $ 71,000 |
| Dutchess County New York | 1 | $ 293,000 | $ 293,000 | $ 56,000 |
| Nassau County New York | 1 | $ 584,000 | $ 584,000 | $ 136,000 |
| Queens County New York | 1 | $ 140,000 | $ 140,000 | $ 103,000 |
| Suffolk County New York | 1 | $ 369,000 | $ 369,000 | $ 200,000 |
| Westchester County New York | 1 | $ 133,000 | $ 133,000 | $ 153,000 |
| Durham County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Franklin County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 29,000 |
| Hamilton County Ohio | 1 | $ 8,000 | $ 8,000 | $ 55,000 |
| Curry County Oregon | 1 | $ 500,000 | $ 500,000 | $ 127,000 |
| Hood River County Oregon | 1 | $ 241,000 | $ 241,000 | $ 237,000 |
| Wasco County Oregon | 1 | $ 400,000 | $ 400,000 | $ 500,000 |
| Armstrong County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 178,000 |
| Lancaster County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Northampton County Pennsylvania | 1 | $ 416,000 | $ 416,000 | $ 113,000 |
| Anasco County Puerto Rico | 1 | $ 3,000 | $ 3,000 | $ 12,000 |
| Charleston County South Carolina | 1 | $ 2,000,000 | $ 2,000,000 | $ 240,000 |
| Laurens County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Bastrop County Texas | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Dallas County Texas | 1 | $ 104,000 | $ 104,000 | $ 85,000 |
| Hays County Texas | 1 | $ 139,000 | $ 139,000 | $ 114,000 |
| Albemarle County Virginia | 1 | $ 218,000 | $ 218,000 | $ 110,000 |
| Chesterfield County Virginia | 1 | $ 179,000 | $ 179,000 | $ 79,000 |
| Falls Church County Virginia | 1 | $ 194,000 | $ 194,000 | $ 72,000 |
| Lexington County Virginia | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 113,000 | $ 113,000 | $ 218,000 |
| Benton County Washington | 1 | $ 372,000 | $ 372,000 | $ 174,000 |
| Chelan County Washington | 1 | $ 370,000 | $ 370,000 | $ 105,000 |
| Cowlitz County Washington | 1 | $ 62,000 | $ 62,000 | $ 64,000 |
| San Juan County Washington | 1 | $ 278,000 | $ 278,000 | $ 67,000 |
| Skamania County Washington | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2008
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 | 1,843 | $460,163,000 | $249,000 | $3,000,000 | $114,000 | $600,000 |
| Home Purchase | 637 | $180,827,000 | $283,000 | $1,000,000 | $118,000 | $509,000 |
| Home Improvement | 107 | $1,510,000 | $14,000 | $76,000 | $90,000 | $525,000 |
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 | 1,387 | $320,200,000 | $230,000 | $3,000,000 | $108,000 | $600,000 |
| Not Provided | 705 | $177,323,000 | $251,000 | $1,600,000 | $120,000 | $525,000 |
| Asian | 266 | $92,555,000 | $347,000 | $1,200,000 | $144,000 | $495,000 |
| Hispanic | 148 | $30,250,000 | $204,000 | $896,000 | $96,000 | $262,000 |
| Black or African American | 69 | $17,991,000 | $260,000 | $2,000,000 | $106,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,914,000 | $416,000 | $750,000 | $134,000 | $160,000 |
| American Indian or Alaskan Native | 5 | $1,267,000 | $253,000 | $335,000 | $83,000 | $183,000 |
| 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) | 2,587 | $642,500,000 | $248,000 | $3,000,000 | $114,000 | $600,000 |
| 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 | 1,779 | $416,791,000 | $234,000 | $1,625,000 | $111,000 | $600,000 |
| Application Withdrawn By Applicant | 507 | $144,240,000 | $284,000 | $1,875,000 | $124,000 | $525,000 |
| Application Denied By Financial Institution | 270 | $74,569,000 | $276,000 | $3,000,000 | $113,000 | $525,000 |
| Application Approved But Not Accepted | 19 | $4,265,000 | $224,000 | $1,000,000 | $113,000 | $500,000 |
| File Closed For Incompleteness | 12 | $2,635,000 | $219,000 | $680,000 | $144,000 | $229,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 84 | $21,413,000 | $254,000 | $910,000 | $103,000 | $498,000 |
| Debt-To-Income Ratio | 78 | $19,274,000 | $247,000 | $2,000,000 | $134,000 | $525,000 |
| Credit History | 35 | $7,050,000 | $201,000 | $916,000 | $92,000 | $298,000 |
| Other | 12 | $5,125,000 | $427,000 | $1,600,000 | $139,000 | $322,000 |
| Unverifiable Information | 9 | $2,450,000 | $272,000 | $966,000 | $103,000 | $450,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $35,000 | $17,000 | $20,000 | $56,000 | $62,000 |
| Mortgage Insurance Denied | 1 | $473,000 | $473,000 | $473,000 | $107,000 | $107,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $29,000 | $29,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2008 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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