First Technology Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, First Technology Federal Credit Union of Hillsboro, OR reported 11,470 mortgage applications totaling $2.4 billion, up 64% from 2011. The average application was for $212,489, and applicants reported an average income of $126,491. 67% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (2,962), Seattle-Bellevue-Everett, WA (1,760) and San Jose-Sunnyvale-Santa Clara, CA (514) (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 | 11,470 |
| Total Mortgage Loan Application Amount | $2,437,255,000 |
| Average Mortgage Loan Application Amount | $212,489 |
| Highest Mortgage Loan Application Amount | $3,640,000 |
| Average Applicant Income | $126,491 |
| Highest Applicant Income | $2,073,000 |
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First Technology Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Portland-Vancouver-Hillsboro, OR-WA | 2,962 | $ 638,218,000 | $ 215,468 | $ 112,000 |
| Seattle-Bellevue-Everett, WA | 1,760 | $ 596,862,000 | $ 339,126 | $ 144,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 514 | $ 211,138,000 | $ 410,774 | $ 157,000 |
| Fort Collins-Loveland, CO | 479 | $ 95,081,000 | $ 198,498 | $ 108,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 416 | $ 98,829,000 | $ 237,569 | $ 128,000 |
| Salem, OR | 318 | $ 46,485,000 | $ 146,179 | $ 87,000 |
| Boise City-Nampa, ID | 282 | $ 52,178,000 | $ 185,028 | $ 115,000 |
| Santa Rosa-Petaluma, CA | 255 | $ 66,064,000 | $ 259,074 | $ 113,000 |
| San Diego-Carlsbad-San Marcos, CA | 251 | $ 81,076,000 | $ 323,011 | $ 136,000 |
| Colorado Springs, CO | 189 | $ 36,073,000 | $ 190,862 | $ 108,000 |
| Corvallis, OR | 187 | $ 37,698,000 | $ 201,593 | $ 118,000 |
| Eugene-Springfield, OR | 147 | $ 23,007,000 | $ 156,510 | $ 79,000 |
| Denver-Aurora-Broomfield, CO | 142 | $ 30,808,000 | $ 216,957 | $ 111,000 |
| San Francisco-San Mateo-Redwood City, CA | 126 | $ 57,564,000 | $ 456,857 | $ 165,000 |
| Oakland-Fremont-Hayward, CA | 107 | $ 40,718,000 | $ 380,542 | $ 155,000 |
| Houston-Sugar Land-Baytown, TX | 84 | $ 15,040,000 | $ 179,047 | $ 119,000 |
| Greeley, CO | 77 | $ 14,445,000 | $ 187,597 | $ 103,000 |
| Atlanta-Sandy Springs-Marietta, GA | 72 | $ 14,663,000 | $ 203,652 | $ 115,000 |
| Bend, OR | 61 | $ 12,076,000 | $ 197,967 | $ 156,000 |
| Cambridge-Newton-Framingham, MA | 44 | $ 11,549,000 | $ 262,477 | $ 148,000 |
| Phoenix-Mesa-Glendale, AZ | 34 | $ 4,683,000 | $ 137,735 | $ 118,000 |
| Los Angeles-Long Beach-Glendale, CA | 30 | $ 10,745,000 | $ 358,166 | $ 178,000 |
| Santa Ana-Anaheim-Irvine, CA | 29 | $ 13,513,000 | $ 465,965 | $ 183,000 |
| Boulder, CO | 27 | $ 8,825,000 | $ 326,851 | $ 141,000 |
| Peabody, MA | 25 | $ 5,913,000 | $ 236,520 | $ 117,000 |
| Santa Cruz-Watsonville, CA | 24 | $ 8,095,000 | $ 337,291 | $ 129,000 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 4,330,000 | $ 188,260 | $ 121,000 |
| Austin-Round Rock-San Marcos, TX | 22 | $ 4,167,000 | $ 189,409 | $ 132,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 7,218,000 | $ 328,090 | $ 160,000 |
| Rockingham County-Strafford County, NH | 19 | $ 3,566,000 | $ 187,684 | $ 132,000 |
| Bremerton-Silverdale, WA | 17 | $ 4,619,000 | $ 271,705 | $ 111,000 |
| Dallas-Plano-Irving, TX | 17 | $ 3,053,000 | $ 179,588 | $ 164,000 |
| Philadelphia, PA | 16 | $ 2,915,000 | $ 182,187 | $ 126,000 |
| Manchester-Nashua, NH | 15 | $ 2,924,000 | $ 194,933 | $ 105,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 4,969,000 | $ 331,266 | $ 140,266 |
| Tacoma, WA | 14 | $ 2,681,000 | $ 191,500 | $ 110,000 |
| Spokane, WA | 13 | $ 1,579,000 | $ 121,461 | $ 100,000 |
| Wilmington, DE-MD-NJ | 13 | $ 2,721,000 | $ 209,307 | $ 121,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 5,124,000 | $ 427,000 | $ 134,000 |
| Albuquerque, NM | 11 | $ 2,031,000 | $ 184,636 | $ 78,000 |
| Newark-Union, NJ-PA | 9 | $ 3,014,000 | $ 334,888 | $ 135,000 |
| Stockton, CA | 9 | $ 1,550,000 | $ 172,222 | $ 123,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,695,000 | $ 188,333 | $ 117,000 |
| Bethesda-Rockville-Frederick, MD | 8 | $ 2,248,000 | $ 281,000 | $ 144,000 |
| Las Vegas-Paradise, NV | 8 | $ 909,000 | $ 113,625 | $ 159,000 |
| Olympia, WA | 8 | $ 1,801,000 | $ 225,125 | $ 114,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 923,000 | $ 115,375 | $ 172,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,416,000 | $ 202,285 | $ 113,000 |
| Pittsburgh, PA | 7 | $ 1,555,000 | $ 222,142 | $ 109,000 |
| Tucson, AZ | 7 | $ 1,984,000 | $ 283,428 | $ 148,000 |
| Yuba City, CA | 7 | $ 1,063,000 | $ 151,857 | $ 78,000 |
| Boston-Quincy, MA | 6 | $ 1,286,000 | $ 214,333 | $ 102,000 |
| Edison-New Brunswick, NJ | 6 | $ 1,499,000 | $ 249,833 | $ 175,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,071,000 | $ 178,500 | $ 176,000 |
| Reno-Sparks, NV | 6 | $ 1,869,000 | $ 311,500 | $ 118,000 |
| Worcester, MA | 6 | $ 1,236,000 | $ 206,000 | $ 119,000 |
| Bellingham, WA | 5 | $ 1,256,000 | $ 251,200 | $ 142,000 |
| Medford, OR | 5 | $ 800,000 | $ 160,000 | $ 126,000 |
| Napa, CA | 5 | $ 1,002,000 | $ 200,400 | $ 115,000 |
| Raleigh-Cary, NC | 5 | $ 1,666,000 | $ 333,200 | $ 166,000 |
| Salt Lake City, UT | 5 | $ 1,589,000 | $ 317,800 | $ 113,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,128,000 | $ 282,000 | $ 90,000 |
| Baltimore-Towson, MD | 4 | $ 1,303,000 | $ 325,750 | $ 179,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 784,000 | $ 196,000 | $ 109,000 |
| Modesto, CA | 4 | $ 1,181,000 | $ 295,250 | $ 124,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 1,280,000 | $ 320,000 | $ 186,500 |
| Redding, CA | 4 | $ 716,000 | $ 179,000 | $ 129,000 |
| Richmond, VA | 4 | $ 794,000 | $ 198,500 | $ 87,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,267,000 | $ 316,750 | $ 139,500 |
| Bakersfield-Delano, CA | 3 | $ 371,000 | $ 123,666 | $ 82,000 |
| Fresno, CA | 3 | $ 863,000 | $ 287,666 | $ 118,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 548,000 | $ 182,666 | $ 125,000 |
| Provo-Orem, UT | 3 | $ 713,000 | $ 237,666 | $ 97,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 1,259,000 | $ 419,666 | $ 107,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 555,000 | $ 185,000 | $ 226,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 392,000 | $ 196,000 | $ 109,000 |
| Barnstable Town, MA | 2 | $ 657,000 | $ 328,500 | $ 292,000 |
| Camden, NJ | 2 | $ 298,000 | $ 149,000 | $ 121,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 410,000 | $ 205,000 | $ 128,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 545,000 | $ 272,500 | $ 119,000 |
| Chico, CA | 2 | $ 684,000 | $ 342,000 | $ 359,000 |
| Coeur D'Alene, ID | 2 | $ 200,000 | $ 100,000 | $ 67,000 |
| Columbia, SC | 2 | $ 271,000 | $ 135,500 | $ 33,000 |
| Fort Worth-Arlington, TX | 2 | $ 364,000 | $ 182,000 | $ 146,000 |
| Gainesville, GA | 2 | $ 372,000 | $ 186,000 | $ 159,000 |
| Lewiston, ID-WA | 2 | $ 281,000 | $ 140,500 | $ 127,500 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 422,000 | $ 211,000 | $ 155,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 234,000 | $ 117,000 | $ 106,000 |
| Ocean City, NJ | 2 | $ 504,000 | $ 252,000 | $ 37,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 498,000 | $ 249,000 | $ 132,000 |
| Rochester, NY | 2 | $ 230,000 | $ 115,000 | $ 91,000 |
| San Antonio-New Braunfels, TX | 2 | $ 582,000 | $ 291,000 | $ 235,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 844,000 | $ 422,000 | $ 104,000 |
| Santa Fe, NM | 2 | $ 628,000 | $ 314,000 | $ 146,000 |
| Savannah, GA | 2 | $ 466,000 | $ 233,000 | $ 113,000 |
| Vallejo-Fairfield, CA | 2 | $ 355,000 | $ 177,500 | $ 63,000 |
| Visalia-Porterville, CA | 2 | $ 306,000 | $ 153,000 | $ 91,000 |
| Amarillo, TX | 1 | $ 230,000 | $ 230,000 | $ 59,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 370,000 | $ 370,000 | $ 246,000 |
| Charlottesville, VA | 1 | $ 290,000 | $ 290,000 | $ 164,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 183,000 | $ 183,000 | $ 240,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 221,000 | $ 221,000 | $ 117,000 |
| Duluth, MN-WI | 1 | $ 210,000 | $ 210,000 | $ 50,000 |
| El Paso, TX | 1 | $ 49,000 | $ 49,000 | $ 139,000 |
| Greensboro-High Point, NC | 1 | $ 120,000 | $ 120,000 | $ 68,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 149,000 | $ 149,000 | $ 90,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 203,000 | $ 203,000 | $ 90,000 |
| Idaho Falls, ID | 1 | $ 92,000 | $ 92,000 | $ 58,000 |
| Ithaca, NY | 1 | $ 328,000 | $ 328,000 | $ 220,000 |
| Kingston, NY | 1 | $ 192,000 | $ 192,000 | $ 138,000 |
| Lancaster, PA | 1 | $ 264,000 | $ 264,000 | $ 137,000 |
| Las Cruces, NM | 1 | $ 145,000 | $ 145,000 | $ 176,000 |
| Logan, UT-ID | 1 | $ 281,000 | $ 281,000 | $ 152,000 |
| Longview, WA | 1 | $ 131,000 | $ 131,000 | $ 88,000 |
| Lubbock, TX | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Merced, CA | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 133,000 | $ 133,000 | $ 185,000 |
| Nassau-Suffolk, NY | 1 | $ 130,000 | $ 130,000 | $ 93,000 |
| Pocatello, ID | 1 | $ 182,000 | $ 182,000 | $ 107,000 |
| Port St. Lucie, FL | 1 | $ 219,000 | $ 219,000 | $ 83,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 188,000 | $ 188,000 | $ 195,000 |
| Pueblo, CO | 1 | $ 209,000 | $ 209,000 | $ 123,000 |
| Salinas, CA | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| St. Cloud, MN | 1 | $ 339,000 | $ 339,000 | $ 252,000 |
| St. George, UT | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 1 | $ 300,000 | $ 300,000 | $ 350,000 |
| Utica-Rome, NY | 1 | $ 68,000 | $ 68,000 | $ 80,000 |
| Wilmington, NC | 1 | $ 145,000 | $ 145,000 | $ 242,000 |
| York-Hanover, PA | 1 | $ 42,000 | $ 42,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2012
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 | 7,278 | $1,761,313,000 | $242,000 | $1,723,000 | $122,000 | $1,408,000 |
| Home Improvement | 2,298 | $98,449,000 | $42,000 | $1,200,000 | $137,000 | $2,073,000 |
| Home Purchase | 1,894 | $577,493,000 | $304,000 | $3,640,000 | $131,000 | $1,989,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 5,110 | $914,500,000 | $178,000 | $3,640,000 | $132,000 | $2,073,000 |
| White | 4,927 | $1,143,058,000 | $231,000 | $2,300,000 | $121,000 | $1,135,000 |
| Asian | 936 | $276,531,000 | $295,000 | $1,820,000 | $132,000 | $1,598,000 |
| Hispanic | 375 | $76,480,000 | $203,000 | $1,175,000 | $116,000 | $986,000 |
| Black or African American | 64 | $16,132,000 | $252,000 | $723,000 | $127,000 | $525,000 |
| American Indian or Alaskan Native | 32 | $5,184,000 | $162,000 | $334,000 | $100,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $5,370,000 | $206,000 | $700,000 | $114,000 | $213,000 |
| 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) | 11,470 | $2,437,255,000 | $212,000 | $3,640,000 | $127,000 | $2,073,000 |
| 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 | 7,683 | $1,679,667,000 | $218,000 | $3,640,000 | $125,000 | $1,989,000 |
| Application Withdrawn By Applicant | 2,390 | $580,023,000 | $242,000 | $2,300,000 | $133,000 | $2,073,000 |
| Application Denied By Financial Institution | 1,158 | $157,013,000 | $135,000 | $1,530,000 | $116,000 | $1,620,000 |
| Application Approved But Not Accepted | 203 | $10,039,000 | $49,000 | $844,000 | $162,000 | $1,960,000 |
| File Closed For Incompleteness | 36 | $10,513,000 | $292,000 | $572,000 | $135,000 | $604,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 361 | $89,367,000 | $247,000 | $1,530,000 | $109,000 | $437,000 |
| Debt-To-Income Ratio | 70 | $17,156,000 | $245,000 | $835,000 | $62,000 | $288,000 |
| Collateral | 60 | $15,661,000 | $261,000 | $935,000 | $119,000 | $264,000 |
| Credit History | 45 | $9,815,000 | $218,000 | $783,000 | $116,000 | $326,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $5,639,000 | $225,000 | $551,000 | $104,000 | $260,000 |
| Employment History | 13 | $2,724,000 | $209,000 | $400,000 | $73,000 | $185,000 |
| Unverifiable Information | 9 | $1,297,000 | $144,000 | $397,000 | $74,000 | $176,000 |
| Mortgage Insurance Denied | 5 | $924,000 | $184,000 | $381,000 | $77,000 | $100,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2012 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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