First Technology Federal Credit Union Mortgage Lending & HMDA Data, 2010
In 2010, First Technology Federal Credit Union of Hillsboro, OR reported 4,841 mortgage applications totaling $852.8 million, down 5% from 2009. The average application was for $176,166, and applicants reported an average income of $95,235. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (456), San Jose-Sunnyvale-Santa Clara, CA (401) and Fort Collins-Loveland, CO (332) (applications in parentheses).
| Mortgage Company & Address | First Technology Federal Credit Union Hillsboro, OR 97124 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 4,841 |
| Total Mortgage Loan Application Amount | $852,822,000 |
| Average Mortgage Loan Application Amount | $176,166 |
| Highest Mortgage Loan Application Amount | $1,625,000 |
| Average Applicant Income | $95,235 |
| Highest Applicant Income | $3,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Technology Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento--Arden-Arcade--Roseville, CA | 456 | $ 92,567,000 | $ 202,997 | $ 138,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 401 | $ 148,363,000 | $ 369,982 | $ 158,000 |
| Fort Collins-Loveland, CO | 332 | $ 62,831,000 | $ 189,250 | $ 101,000 |
| Boise City-Nampa, ID | 231 | $ 37,685,000 | $ 163,138 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 228 | $ 66,501,000 | $ 291,671 | $ 133,000 |
| Santa Rosa-Petaluma, CA | 182 | $ 49,891,000 | $ 274,126 | $ 109,000 |
| Colorado Springs, CO | 134 | $ 25,838,000 | $ 192,820 | $ 90,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 113 | $ 22,922,000 | $ 202,849 | $ 114,681 |
| Corvallis, OR | 106 | $ 22,337,000 | $ 210,726 | $ 97,000 |
| Denver-Aurora-Broomfield, CO | 101 | $ 21,008,000 | $ 208,000 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 101 | $ 29,343,000 | $ 290,524 | $ 143,000 |
| San Francisco-San Mateo-Redwood City, CA | 101 | $ 43,287,000 | $ 428,584 | $ 151,000 |
| Riverside-San Bernardino-Ontario, CA | 96 | $ 7,642,000 | $ 79,604 | $ 139,000 |
| Los Angeles-Long Beach-Glendale, CA | 58 | $ 8,425,000 | $ 145,258 | $ 143,000 |
| Atlanta-Sandy Springs-Marietta, GA | 55 | $ 9,208,000 | $ 167,418 | $ 123,000 |
| Houston-Sugar Land-Baytown, TX | 54 | $ 9,237,000 | $ 171,055 | $ 114,000 |
| Phoenix-Mesa-Glendale, AZ | 49 | $ 4,057,000 | $ 82,795 | $ 101,000 |
| Greeley, CO | 47 | $ 8,670,000 | $ 184,468 | $ 103,000 |
| Cambridge-Newton-Framingham, MA | 40 | $ 9,239,000 | $ 230,975 | $ 116,000 |
| Santa Ana-Anaheim-Irvine, CA | 36 | $ 7,390,000 | $ 205,277 | $ 134,000 |
| Bakersfield-Delano, CA | 32 | $ 2,046,000 | $ 63,937 | $ 128,000 |
| Fresno, CA | 31 | $ 2,609,000 | $ 84,161 | $ 139,000 |
| Santa Cruz-Watsonville, CA | 29 | $ 9,776,000 | $ 337,103 | $ 145,000 |
| Edison-New Brunswick, NJ | 28 | $ 3,256,000 | $ 116,285 | $ 133,000 |
| Peabody, MA | 22 | $ 5,519,000 | $ 250,863 | $ 112,000 |
| Newark-Union, NJ-PA | 19 | $ 2,700,000 | $ 142,105 | $ 172,263 |
| Salem, OR | 19 | $ 3,182,000 | $ 167,473 | $ 87,000 |
| Austin-Round Rock-San Marcos, TX | 18 | $ 3,079,000 | $ 171,055 | $ 153,000 |
| Philadelphia, PA | 18 | $ 3,853,000 | $ 214,055 | $ 141,000 |
| Seattle-Bellevue-Everett, WA | 18 | $ 5,466,000 | $ 303,666 | $ 154,000 |
| Stockton, CA | 18 | $ 2,655,000 | $ 147,500 | $ 125,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 3,738,000 | $ 207,666 | $ 149,722 |
| Bethesda-Rockville-Frederick, MD | 17 | $ 4,667,000 | $ 274,529 | $ 128,000 |
| Las Vegas-Paradise, NV | 16 | $ 1,075,000 | $ 67,187 | $ 97,000 |
| Yuba City, CA | 16 | $ 1,310,000 | $ 81,875 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 3,398,000 | $ 242,714 | $ 184,000 |
| Boulder, CO | 13 | $ 3,351,000 | $ 257,769 | $ 181,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 3,090,000 | $ 257,500 | $ 116,000 |
| Albuquerque, NM | 11 | $ 1,631,000 | $ 148,272 | $ 130,000 |
| Vallejo-Fairfield, CA | 11 | $ 1,289,000 | $ 117,181 | $ 146,000 |
| Wilmington, DE-MD-NJ | 11 | $ 2,362,000 | $ 214,727 | $ 121,000 |
| Aguadilla-Isabela-San Sebastian, PR | 9 | $ 76,000 | $ 8,444 | $ 42,000 |
| Manchester-Nashua, NH | 9 | $ 2,105,000 | $ 233,888 | $ 117,000 |
| Prescott, AZ | 9 | $ 560,000 | $ 62,222 | $ 64,000 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 733,000 | $ 81,444 | $ 97,000 |
| Chico, CA | 8 | $ 765,000 | $ 95,625 | $ 162,000 |
| Nassau-Suffolk, NY | 8 | $ 710,000 | $ 88,750 | $ 131,000 |
| Rockingham County-Strafford County, NH | 8 | $ 1,734,000 | $ 216,750 | $ 68,000 |
| Worcester, MA | 8 | $ 1,113,000 | $ 139,125 | $ 138,000 |
| Boston-Quincy, MA | 7 | $ 1,421,000 | $ 203,000 | $ 114,000 |
| Dallas-Plano-Irving, TX | 7 | $ 948,000 | $ 135,428 | $ 143,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,652,000 | $ 236,000 | $ 96,000 |
| Redding, CA | 6 | $ 947,000 | $ 157,833 | $ 126,000 |
| San Antonio-New Braunfels, TX | 6 | $ 686,000 | $ 114,333 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 668,000 | $ 111,333 | $ 134,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 898,000 | $ 179,600 | $ 173,200 |
| Baltimore-Towson, MD | 5 | $ 698,000 | $ 139,600 | $ 126,000 |
| Barnstable Town, MA | 5 | $ 1,240,000 | $ 248,000 | $ 194,000 |
| Eugene-Springfield, OR | 5 | $ 663,000 | $ 132,600 | $ 65,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 289,000 | $ 57,800 | $ 103,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 158,000 | $ 31,600 | $ 91,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,260,000 | $ 252,000 | $ 158,200 |
| Pittsburgh, PA | 5 | $ 791,000 | $ 158,200 | $ 89,000 |
| Raleigh-Cary, NC | 5 | $ 1,036,000 | $ 207,200 | $ 135,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,626,000 | $ 325,200 | $ 162,000 |
| Bend, OR | 4 | $ 843,000 | $ 210,750 | $ 150,000 |
| Camden, NJ | 4 | $ 228,000 | $ 57,000 | $ 102,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 4 | $ 406,000 | $ 101,500 | $ 109,000 |
| Hanford-Corcoran, CA | 4 | $ 127,000 | $ 31,750 | $ 162,000 |
| Madera-Chowchilla, CA | 4 | $ 536,000 | $ 134,000 | $ 129,000 |
| Rochester, NY | 4 | $ 1,218,000 | $ 304,500 | $ 108,000 |
| Salinas, CA | 4 | $ 386,000 | $ 96,500 | $ 106,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,348,000 | $ 337,000 | $ 118,000 |
| Visalia-Porterville, CA | 4 | $ 125,000 | $ 31,250 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 795,000 | $ 265,000 | $ 343,000 |
| Coeur D'Alene, ID | 3 | $ 396,000 | $ 132,000 | $ 96,000 |
| Fort Worth-Arlington, TX | 3 | $ 342,000 | $ 114,000 | $ 60,000 |
| Modesto, CA | 3 | $ 256,000 | $ 85,333 | $ 542,000 |
| Napa, CA | 3 | $ 569,000 | $ 189,666 | $ 132,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 373,000 | $ 124,333 | $ 118,000 |
| Pueblo, CO | 3 | $ 345,000 | $ 115,000 | $ 67,000 |
| Reno-Sparks, NV | 3 | $ 289,000 | $ 96,333 | $ 152,000 |
| Spokane, WA | 3 | $ 658,000 | $ 219,333 | $ 129,000 |
| Tucson, AZ | 3 | $ 172,000 | $ 57,333 | $ 72,000 |
| Wilmington, NC | 3 | $ 279,000 | $ 93,000 | $ 327,000 |
| Yuma, AZ | 3 | $ 818,000 | $ 272,666 | $ 117,000 |
| Alexandria, LA | 2 | $ 50,000 | $ 25,000 | $ 91,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 118,000 | $ 59,000 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 356,000 | $ 178,000 | $ 188,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 704,000 | $ 352,000 | $ 152,000 |
| El Centro, CA | 2 | $ 37,000 | $ 18,500 | $ 138,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 420,000 | $ 210,000 | $ 109,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 251,000 | $ 125,500 | $ 65,000 |
| Salt Lake City, UT | 2 | $ 570,000 | $ 285,000 | $ 105,000 |
| San Juan-Caguas-Guaynabo, PR | 2 | $ 16,000 | $ 8,000 | $ 33,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 432,000 | $ 216,000 | $ 78,000 |
| Abilene, TX | 1 | $ 88,000 | $ 88,000 | $ 139,000 |
| Bellingham, WA | 1 | $ 194,000 | $ 194,000 | $ 70,000 |
| Brownsville-Harlingen, TX | 1 | $ 46,000 | $ 46,000 | $ 50,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 18,000 | $ 18,000 | $ 80,000 |
| Burlington-South Burlington, VT | 1 | $ 3,000 | $ 3,000 | $ 50,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 15,000 | $ 15,000 | $ 155,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 290,000 | $ 290,000 | $ 92,000 |
| Dayton, OH | 1 | $ 60,000 | $ 60,000 | $ 74,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 50,000 | $ 50,000 | $ 137,000 |
| Flagstaff, AZ | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Gainesville, FL | 1 | $ 15,000 | $ 15,000 | $ 155,000 |
| Gainesville, GA | 1 | $ 120,000 | $ 120,000 | $ 260,000 |
| Gary, IN | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Grand Junction, CO | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Honolulu, HI | 1 | $ 33,000 | $ 33,000 | $ 91,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 130,000 | $ 130,000 | $ 132,000 |
| Kingston, NY | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 101,000 | $ 101,000 | $ 44,000 |
| Medford, OR | 1 | $ 244,000 | $ 244,000 | $ 139,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 20,000 | $ 20,000 | $ 162,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 19,000 | $ 19,000 | $ 27,000 |
| New Haven-Milford, CT | 1 | $ 304,000 | $ 304,000 | $ 78,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 206,000 | $ 206,000 | $ 175,000 |
| Ocala, FL | 1 | $ 2,000 | $ 2,000 | $ 65,000 |
| Ocean City, NJ | 1 | $ 49,000 | $ 49,000 | $ 292,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 101,000 | $ 101,000 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Ponce, PR | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 220,000 | $ 220,000 | $ 205,000 |
| Richmond, VA | 1 | $ 303,000 | $ 303,000 | $ 150,000 |
| Rocky Mount, NC | 1 | $ 18,000 | $ 18,000 | $ 57,000 |
| San German-Cabo Rojo, PR | 1 | $ 11,000 | $ 11,000 | $ 43,000 |
| Sandusky, OH | 1 | $ 83,000 | $ 83,000 | $ 142,000 |
| Santa Fe, NM | 1 | $ 26,000 | $ 26,000 | $ 75,000 |
| State College, PA | 1 | $ 14,000 | $ 14,000 | $ 87,000 |
| Syracuse, NY | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Wichita Falls, TX | 1 | $ 34,000 | $ 34,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2010
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 | 2,607 | $687,898,000 | $263,000 | $1,625,000 | $119,000 | $3,700,000 |
| Home Improvement | 1,784 | $53,524,000 | $30,000 | $350,000 | $53,000 | $1,303,000 |
| Home Purchase | 450 | $111,400,000 | $247,000 | $1,200,000 | $125,000 | $641,000 |
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 | 2,328 | $470,416,000 | $202,000 | $1,625,000 | $97,000 | $617,000 |
| Not Provided | 1,907 | $239,870,000 | $125,000 | $1,521,000 | $89,000 | $2,940,000 |
| Asian | 295 | $90,489,000 | $306,000 | $1,600,000 | $137,000 | $3,700,000 |
| Hispanic | 249 | $36,967,000 | $148,000 | $1,200,000 | $77,000 | $445,000 |
| Black or African American | 39 | $10,323,000 | $264,000 | $920,000 | $101,000 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,179,000 | $181,000 | $417,000 | $93,000 | $184,000 |
| American Indian or Alaskan Native | 11 | $2,578,000 | $234,000 | $457,000 | $74,000 | $148,000 |
| 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) | 4,841 | $852,822,000 | $176,000 | $1,625,000 | $95,000 | $3,700,000 |
| 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 | 3,331 | $568,316,000 | $170,000 | $1,625,000 | $104,000 | $1,303,000 |
| Application Denied By Financial Institution | 637 | $104,490,000 | $164,000 | $1,600,000 | $53,000 | $510,000 |
| Application Withdrawn By Applicant | 488 | $108,308,000 | $221,000 | $1,405,000 | $108,000 | $3,700,000 |
| Application Approved But Not Accepted | 342 | $59,983,000 | $175,000 | $970,000 | $73,000 | $940,000 |
| File Closed For Incompleteness | 43 | $11,725,000 | $272,000 | $715,000 | $103,000 | $478,000 |
| 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 | 107 | $33,874,000 | $316,000 | $1,000,000 | $133,000 | $510,000 |
| Debt-To-Income Ratio | 100 | $30,142,000 | $301,000 | $1,600,000 | $73,000 | $240,000 |
| Credit History | 32 | $7,163,000 | $223,000 | $954,000 | $93,000 | $251,000 |
| Other | 14 | $3,415,000 | $243,000 | $790,000 | $107,000 | $188,000 |
| Unverifiable Information | 12 | $3,467,000 | $288,000 | $550,000 | $74,000 | $131,000 |
| Employment History | 2 | $497,000 | $248,000 | $373,000 | $46,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2010 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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