First Technology Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, First Technology Federal Credit Union of Hillsboro, OR reported 9,852 mortgage applications totaling $2.4 billion, down 14% from 2012. The average application was for $243,452, and applicants reported an average income of $129,190. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (2,738), Seattle-Bellevue-Everett, WA (1,990) and San Jose-Sunnyvale-Santa Clara, CA (459) (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 | 9,852 |
| Total Mortgage Loan Application Amount | $2,398,494,000 |
| Average Mortgage Loan Application Amount | $243,452 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $129,190 |
| Highest Applicant Income | $4,680,000 |
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First Technology Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,738 | $ 568,932,000 | $ 207,791 | $ 108,195 |
| Seattle-Bellevue-Everett, WA | 1,990 | $ 756,078,000 | $ 379,938 | $ 148,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 459 | $ 245,883,000 | $ 535,692 | $ 172,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 357 | $ 85,194,000 | $ 238,638 | $ 127,000 |
| Fort Collins-Loveland, CO | 344 | $ 66,238,000 | $ 192,552 | $ 114,000 |
| Salem, OR | 295 | $ 41,599,000 | $ 141,013 | $ 88,000 |
| Boise City-Nampa, ID | 240 | $ 39,708,000 | $ 165,450 | $ 98,000 |
| Santa Rosa-Petaluma, CA | 174 | $ 47,512,000 | $ 273,057 | $ 117,000 |
| Eugene-Springfield, OR | 167 | $ 24,045,000 | $ 143,982 | $ 74,000 |
| San Diego-Carlsbad-San Marcos, CA | 158 | $ 59,704,000 | $ 377,873 | $ 148,000 |
| Houston-Sugar Land-Baytown, TX | 154 | $ 27,298,000 | $ 177,259 | $ 115,000 |
| Denver-Aurora-Broomfield, CO | 149 | $ 29,361,000 | $ 197,053 | $ 113,000 |
| Colorado Springs, CO | 143 | $ 27,580,000 | $ 192,867 | $ 106,000 |
| Corvallis, OR | 132 | $ 25,467,000 | $ 192,931 | $ 113,000 |
| San Francisco-San Mateo-Redwood City, CA | 109 | $ 52,863,000 | $ 484,981 | $ 173,000 |
| Oakland-Fremont-Hayward, CA | 86 | $ 35,658,000 | $ 414,627 | $ 156,000 |
| Atlanta-Sandy Springs-Marietta, GA | 74 | $ 12,064,000 | $ 163,027 | $ 120,000 |
| Bend, OR | 58 | $ 11,164,000 | $ 192,482 | $ 140,000 |
| Greeley, CO | 58 | $ 9,719,000 | $ 167,568 | $ 95,000 |
| Phoenix-Mesa-Glendale, AZ | 56 | $ 10,021,000 | $ 178,946 | $ 156,000 |
| Los Angeles-Long Beach-Glendale, CA | 33 | $ 21,089,000 | $ 639,060 | $ 152,000 |
| Austin-Round Rock-San Marcos, TX | 31 | $ 5,999,000 | $ 193,516 | $ 112,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 5,352,000 | $ 172,645 | $ 113,000 |
| Boulder, CO | 29 | $ 7,473,000 | $ 257,689 | $ 133,000 |
| Dallas-Plano-Irving, TX | 21 | $ 4,973,000 | $ 236,809 | $ 174,000 |
| Santa Ana-Anaheim-Irvine, CA | 21 | $ 11,440,000 | $ 544,761 | $ 218,000 |
| Santa Cruz-Watsonville, CA | 18 | $ 6,123,000 | $ 340,166 | $ 146,000 |
| New York-White Plains-Wayne, NY-NJ | 16 | $ 5,766,000 | $ 360,375 | $ 193,000 |
| Cambridge-Newton-Framingham, MA | 15 | $ 3,763,000 | $ 250,866 | $ 136,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 5,250,000 | $ 350,000 | $ 157,000 |
| Modesto, CA | 15 | $ 2,446,000 | $ 163,066 | $ 171,000 |
| Philadelphia, PA | 15 | $ 2,790,000 | $ 186,000 | $ 142,000 |
| Manchester-Nashua, NH | 13 | $ 2,394,000 | $ 184,153 | $ 134,000 |
| Peabody, MA | 13 | $ 2,225,000 | $ 171,153 | $ 148,000 |
| Edison-New Brunswick, NJ | 12 | $ 3,324,000 | $ 277,000 | $ 172,000 |
| Las Vegas-Paradise, NV | 12 | $ 2,370,000 | $ 197,500 | $ 162,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,290,000 | $ 229,000 | $ 113,000 |
| Tacoma, WA | 10 | $ 1,844,000 | $ 184,400 | $ 157,000 |
| Stockton, CA | 9 | $ 1,228,000 | $ 136,444 | $ 129,000 |
| Vallejo-Fairfield, CA | 9 | $ 1,449,000 | $ 161,000 | $ 109,000 |
| Bremerton-Silverdale, WA | 8 | $ 2,590,000 | $ 323,750 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 792,000 | $ 99,000 | $ 149,000 |
| Tucson, AZ | 8 | $ 1,630,000 | $ 203,750 | $ 136,000 |
| Wilmington, DE-MD-NJ | 8 | $ 1,718,000 | $ 214,750 | $ 100,000 |
| Baltimore-Towson, MD | 7 | $ 1,380,000 | $ 197,142 | $ 110,000 |
| Jacksonville, FL | 7 | $ 760,000 | $ 108,571 | $ 203,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,653,000 | $ 236,142 | $ 161,000 |
| Reno-Sparks, NV | 7 | $ 1,350,000 | $ 192,857 | $ 109,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,090,000 | $ 155,714 | $ 120,000 |
| Bethesda-Rockville-Frederick, MD | 6 | $ 2,136,000 | $ 356,000 | $ 145,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 6 | $ 1,111,000 | $ 185,166 | $ 149,000 |
| Coeur D'Alene, ID | 6 | $ 905,000 | $ 150,833 | $ 70,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,090,000 | $ 181,666 | $ 132,000 |
| Newark-Union, NJ-PA | 6 | $ 1,234,000 | $ 205,666 | $ 100,000 |
| Raleigh-Cary, NC | 6 | $ 1,515,000 | $ 252,500 | $ 133,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 966,000 | $ 161,000 | $ 130,833 |
| Boston-Quincy, MA | 5 | $ 1,174,000 | $ 234,800 | $ 215,000 |
| Fresno, CA | 5 | $ 996,000 | $ 199,200 | $ 141,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,099,000 | $ 219,800 | $ 217,000 |
| Napa, CA | 5 | $ 1,210,000 | $ 242,000 | $ 116,000 |
| Olympia, WA | 5 | $ 1,107,000 | $ 221,400 | $ 114,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,082,000 | $ 216,400 | $ 127,000 |
| Redding, CA | 5 | $ 877,000 | $ 175,400 | $ 84,000 |
| Spokane, WA | 5 | $ 1,123,000 | $ 224,600 | $ 118,000 |
| Albuquerque, NM | 4 | $ 475,000 | $ 118,750 | $ 96,000 |
| Chico, CA | 4 | $ 959,000 | $ 239,750 | $ 160,000 |
| Longview, WA | 4 | $ 729,000 | $ 182,250 | $ 88,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 1,065,000 | $ 266,250 | $ 217,000 |
| Salinas, CA | 4 | $ 1,318,000 | $ 329,500 | $ 66,000 |
| Santa Fe, NM | 4 | $ 1,033,000 | $ 258,250 | $ 104,000 |
| Wenatchee-East Wenatchee, WA | 4 | $ 982,000 | $ 245,500 | $ 126,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 733,000 | $ 183,250 | $ 122,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 960,000 | $ 320,000 | $ 207,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 531,000 | $ 177,000 | $ 126,000 |
| Hanford-Corcoran, CA | 3 | $ 151,000 | $ 50,333 | $ 138,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 546,000 | $ 182,000 | $ 141,000 |
| Medford, OR | 3 | $ 695,000 | $ 231,666 | $ 71,000 |
| Ocala, FL | 3 | $ 125,000 | $ 41,666 | $ 93,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 656,000 | $ 218,666 | $ 95,000 |
| Provo-Orem, UT | 3 | $ 510,000 | $ 170,000 | $ 70,000 |
| Richmond, VA | 3 | $ 489,000 | $ 163,000 | $ 97,000 |
| San Antonio-New Braunfels, TX | 3 | $ 370,000 | $ 123,333 | $ 71,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 288,000 | $ 96,000 | $ 74,000 |
| Worcester, MA | 3 | $ 682,000 | $ 227,333 | $ 105,000 |
| Yuba City, CA | 3 | $ 261,000 | $ 87,000 | $ 105,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 553,000 | $ 276,500 | $ 130,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 106,000 | $ 53,000 | $ 108,000 |
| Barnstable Town, MA | 2 | $ 737,000 | $ 368,500 | $ 193,000 |
| Brownsville-Harlingen, TX | 2 | $ 172,000 | $ 86,000 | $ 123,000 |
| Camden, NJ | 2 | $ 419,000 | $ 209,500 | $ 135,000 |
| Columbus, OH | 2 | $ 489,000 | $ 244,500 | $ 125,000 |
| Durham-Chapel Hill, NC | 2 | $ 844,000 | $ 422,000 | $ 203,000 |
| El Paso, TX | 2 | $ 188,000 | $ 94,000 | $ 80,000 |
| Logan, UT-ID | 2 | $ 149,000 | $ 74,500 | $ 237,000 |
| Merced, CA | 2 | $ 231,000 | $ 115,500 | $ 105,000 |
| Nassau-Suffolk, NY | 2 | $ 579,000 | $ 289,500 | $ 121,000 |
| New Haven-Milford, CT | 2 | $ 477,000 | $ 238,500 | $ 102,000 |
| Pittsburgh, PA | 2 | $ 384,000 | $ 192,000 | $ 137,000 |
| Port St. Lucie, FL | 2 | $ 316,000 | $ 158,000 | $ 67,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 442,000 | $ 221,000 | $ 64,000 |
| Pueblo, CO | 2 | $ 80,000 | $ 40,000 | $ 147,000 |
| Salt Lake City, UT | 2 | $ 1,030,000 | $ 515,000 | $ 144,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 877,000 | $ 438,500 | $ 170,000 |
| Savannah, GA | 2 | $ 304,000 | $ 152,000 | $ 80,000 |
| Sebastian-Vero Beach, FL | 2 | $ 196,000 | $ 98,000 | $ 108,000 |
| Wilmington, NC | 2 | $ 139,000 | $ 69,500 | $ 158,000 |
| Akron, OH | 1 | $ 136,000 | $ 136,000 | $ 115,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 540,000 | $ 540,000 | $ 204,000 |
| Amarillo, TX | 1 | $ 157,000 | $ 157,000 | $ 67,000 |
| Bangor, ME | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Bellingham, WA | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,300,000 | $ 1,300,000 | $ 750,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 11,000 | $ 11,000 | $ 92,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 672,000 | $ 672,000 | $ 147,000 |
| Columbia, SC | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Corpus Christi, TX | 1 | $ 219,000 | $ 219,000 | $ 166,000 |
| El Centro, CA | 1 | $ 161,000 | $ 161,000 | $ 74,000 |
| Glens Falls, NY | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Grand Junction, CO | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Harrisburg-Carlisle, PA | 1 | $ 154,000 | $ 154,000 | $ 52,000 |
| Idaho Falls, ID | 1 | $ 133,000 | $ 133,000 | $ 58,000 |
| Jacksonville, NC | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Lancaster, PA | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| Lewiston, ID-WA | 1 | $ 70,000 | $ 70,000 | $ 150,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 500,000 | $ 500,000 | $ 1,000,000 |
| Norwich-New London, CT | 1 | $ 213,000 | $ 213,000 | $ 117,000 |
| Ocean City, NJ | 1 | $ 49,000 | $ 49,000 | $ 186,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 231,000 | $ 231,000 | $ 160,000 |
| Prescott, AZ | 1 | $ 179,000 | $ 179,000 | $ 79,000 |
| Rochester, NY | 1 | $ 261,000 | $ 261,000 | $ 130,000 |
| Sherman-Denison, TX | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Tallahassee, FL | 1 | $ 243,000 | $ 243,000 | $ 195,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 296,000 | $ 296,000 | $ 119,000 |
| Visalia-Porterville, CA | 1 | $ 282,000 | $ 282,000 | $ 142,000 |
| Yakima, WA | 1 | $ 119,000 | $ 119,000 | $ 79,000 |
| York-Hanover, PA | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2013
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 | 4,801 | $1,100,697,000 | $229,000 | $12,000,000 | $121,000 | $2,604,000 |
| Home Purchase | 2,904 | $993,937,000 | $342,000 | $2,320,000 | $134,000 | $1,480,000 |
| Home Improvement | 2,147 | $303,860,000 | $141,000 | $2,000,000 | $141,000 | $4,680,000 |
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 | 4,277 | $1,003,554,000 | $234,000 | $2,320,000 | $122,000 | $2,604,000 |
| Not Provided | 4,067 | $945,123,000 | $232,000 | $12,000,000 | $137,000 | $4,680,000 |
| Asian | 1,033 | $344,097,000 | $333,000 | $2,584,000 | $136,000 | $1,428,000 |
| Hispanic | 342 | $76,228,000 | $222,000 | $1,163,000 | $117,000 | $434,000 |
| Black or African American | 85 | $18,263,000 | $214,000 | $543,000 | $146,000 | $1,752,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $6,345,000 | $244,000 | $609,000 | $94,000 | $197,000 |
| American Indian or Alaskan Native | 22 | $4,884,000 | $222,000 | $868,000 | $87,000 | $222,000 |
| 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) | 9,852 | $2,398,494,000 | $243,000 | $12,000,000 | $129,000 | $4,680,000 |
| 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 | 6,641 | $1,651,213,000 | $248,000 | $2,584,000 | $130,000 | $2,820,000 |
| Application Approved But Not Accepted | 2,079 | $534,609,000 | $257,000 | $2,320,000 | $131,000 | $2,604,000 |
| Application Denied By Financial Institution | 1,063 | $209,227,000 | $196,000 | $12,000,000 | $121,000 | $4,680,000 |
| Application Withdrawn By Applicant | 67 | $3,434,000 | $51,000 | $845,000 | $132,000 | $1,140,000 |
| File Closed For Incompleteness | 2 | $11,000 | $5,000 | $7,000 | $291,000 | $528,000 |
| 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 | 464 | $117,065,000 | $252,000 | $12,000,000 | $108,000 | $683,000 |
| Debt-To-Income Ratio | 86 | $21,949,000 | $255,000 | $1,338,000 | $68,000 | $355,000 |
| Credit History | 43 | $9,315,000 | $216,000 | $957,000 | $133,000 | $840,000 |
| Collateral | 34 | $8,158,000 | $239,000 | $1,105,000 | $123,000 | $335,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,240,000 | $235,000 | $616,000 | $98,000 | $249,000 |
| Unverifiable Information | 8 | $995,000 | $124,000 | $259,000 | $30,000 | $110,000 |
| Credit Application Incomplete | 4 | $1,867,000 | $466,000 | $600,000 | $148,000 | $175,000 |
| Employment History | 3 | $1,381,000 | $460,000 | $990,000 | $97,000 | $168,000 |
| Mortgage Insurance Denied | 1 | $560,000 | $560,000 | $560,000 | $144,000 | $144,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2013 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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