First Technology Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, First Technology Federal Credit Union of Hillsboro, OR reported 14,358 mortgage applications totaling $4.9 billion, down 5% from 2018. The average application was for $341,888, and applicants reported an average income of $158,840. 53% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (4,304), Seattle-Bellevue-Everett, WA (2,798) and San Jose-Sunnyvale-Santa Clara, CA (565) (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 | 14,358 |
| Total Mortgage Loan Application Amount | $4,908,840,000 |
| Average Mortgage Loan Application Amount | $341,888 |
| Highest Mortgage Loan Application Amount | $6,955,000 |
| Average Applicant Income | $158,840 |
| Highest Applicant Income | $5,125,000 |
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First Technology Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,304 | $ 1,071,290,000 | $ 248,905 | $ 132,059 |
| Seattle-Bellevue-Everett, WA | 2,798 | $ 1,253,400,000 | $ 447,962 | $ 196,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 565 | $ 361,815,000 | $ 640,380 | $ 257,000 |
| Salem, OR | 489 | $ 75,875,000 | $ 155,163 | $ 95,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 408 | $ 106,270,000 | $ 260,465 | $ 135,000 |
| Outside any metro area | 278 | $ 61,900,000 | $ 222,661 | $ 137,661 |
| Boise City, ID | 266 | $ 51,770,000 | $ 194,624 | $ 120,000 |
| Fort Collins, CO | 263 | $ 52,625,000 | $ 200,095 | $ 130,000 |
| Oakland-Hayward-Berkeley, CA | 262 | $ 143,100,000 | $ 546,183 | $ 237,000 |
| San Diego-Carlsbad, CA | 178 | $ 61,340,000 | $ 344,606 | $ 154,000 |
| Denver-Aurora-Lakewood, CO | 160 | $ 44,900,000 | $ 280,625 | $ 150,000 |
| Eugene, OR | 155 | $ 21,965,000 | $ 141,709 | $ 94,000 |
| Houston-The Woodlands-Sugar Land, TX | 145 | $ 36,795,000 | $ 253,758 | $ 136,000 |
| Santa Rosa, CA | 138 | $ 46,360,000 | $ 335,942 | $ 163,000 |
| Phoenix-Mesa-Scottsdale, AZ | 134 | $ 28,600,000 | $ 213,432 | $ 145,000 |
| San Francisco-Redwood City-South San Francisco, CA | 119 | $ 77,045,000 | $ 647,436 | $ 294,000 |
| Corvallis, OR | 106 | $ 20,460,000 | $ 193,018 | $ 118,000 |
| Bend-Redmond, OR | 103 | $ 25,855,000 | $ 251,019 | $ 154,000 |
| Colorado Springs, CO | 102 | $ 20,050,000 | $ 196,568 | $ 109,000 |
| Atlanta-Sandy Springs-Roswell, GA | 91 | $ 19,325,000 | $ 212,362 | $ 160,000 |
| Riverside-San Bernardino-Ontario, CA | 83 | $ 20,295,000 | $ 244,518 | $ 135,000 |
| Greeley, CO | 82 | $ 16,420,000 | $ 200,243 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 67 | $ 22,725,000 | $ 339,179 | $ 190,000 |
| Albany, OR | 64 | $ 8,980,000 | $ 140,312 | $ 85,000 |
| Austin-Round Rock, TX | 62 | $ 16,350,000 | $ 263,709 | $ 173,000 |
| Anaheim-Santa Ana-Irvine, CA | 48 | $ 13,460,000 | $ 280,416 | $ 258,000 |
| Dallas-Plano-Irving, TX | 46 | $ 18,970,000 | $ 412,391 | $ 178,000 |
| Tacoma-Lakewood, WA | 44 | $ 11,300,000 | $ 256,818 | $ 130,000 |
| Las Vegas-Henderson-Paradise, NV | 40 | $ 5,990,000 | $ 149,750 | $ 142,000 |
| Cambridge-Newton-Framingham, MA | 30 | $ 11,330,000 | $ 377,666 | $ 174,000 |
| Bremerton-Silverdale, WA | 29 | $ 6,625,000 | $ 228,448 | $ 148,000 |
| Stockton-Lodi, CA | 27 | $ 7,125,000 | $ 263,888 | $ 156,000 |
| Charlotte-Concord-Gastonia, NC-SC | 26 | $ 5,120,000 | $ 196,923 | $ 102,692 |
| Vallejo-Fairfield, CA | 25 | $ 7,855,000 | $ 314,200 | $ 224,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 7,790,000 | $ 354,090 | $ 188,000 |
| Fort Worth-Arlington, TX | 19 | $ 5,695,000 | $ 299,736 | $ 190,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 4,305,000 | $ 226,578 | $ 126,000 |
| Raleigh, NC | 19 | $ 4,795,000 | $ 252,368 | $ 201,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 3,280,000 | $ 182,222 | $ 166,000 |
| Santa Cruz-Watsonville, CA | 17 | $ 4,995,000 | $ 293,823 | $ 111,000 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 2,920,000 | $ 182,500 | $ 203,000 |
| Boulder, CO | 15 | $ 4,935,000 | $ 329,000 | $ 139,000 |
| Longview, WA | 14 | $ 2,410,000 | $ 172,142 | $ 108,000 |
| Spokane-Spokane Valley, WA | 14 | $ 2,540,000 | $ 181,428 | $ 128,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 6,345,000 | $ 488,076 | $ 173,000 |
| Reno, NV | 13 | $ 4,225,000 | $ 325,000 | $ 531,000 |
| Tucson, AZ | 13 | $ 2,375,000 | $ 182,692 | $ 113,000 |
| Olympia-Tumwater, WA | 12 | $ 2,200,000 | $ 183,333 | $ 156,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 4,160,000 | $ 346,666 | $ 164,000 |
| Rockingham County-Strafford County, NH | 12 | $ 2,090,000 | $ 174,166 | $ 115,000 |
| Coeur D'Alene, ID | 11 | $ 2,365,000 | $ 215,000 | $ 126,000 |
| Medford, OR | 11 | $ 2,455,000 | $ 223,181 | $ 105,000 |
| Modesto, CA | 11 | $ 1,765,000 | $ 160,454 | $ 115,000 |
| San Antonio-New Braunfels, TX | 11 | $ 2,035,000 | $ 185,000 | $ 177,000 |
| Newark, NJ-PA | 10 | $ 1,850,000 | $ 185,000 | $ 136,100 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 1,760,000 | $ 176,000 | $ 114,000 |
| Salt Lake City, UT | 10 | $ 3,150,000 | $ 315,000 | $ 176,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 3,500,000 | $ 350,000 | $ 211,300 |
| Mount Vernon-Anacortes, WA | 9 | $ 3,135,000 | $ 348,333 | $ 233,000 |
| Wilmington, DE-MD-NJ | 9 | $ 1,335,000 | $ 148,333 | $ 148,888 |
| Albuquerque, NM | 8 | $ 2,000,000 | $ 250,000 | $ 156,000 |
| Manchester-Nashua, NH | 8 | $ 1,020,000 | $ 127,500 | $ 119,000 |
| New York-Newark, NY | 8 | $ 1,890,000 | $ 236,250 | $ 179,250 |
| Prescott Valley-Prescott, AZ | 8 | $ 1,600,000 | $ 200,000 | $ 123,000 |
| Provo-Orem, UT | 8 | $ 1,920,000 | $ 240,000 | $ 131,000 |
| Redding, CA | 8 | $ 1,120,000 | $ 140,000 | $ 116,000 |
| Wenatchee, WA | 8 | $ 2,400,000 | $ 300,000 | $ 170,000 |
| Bellingham, WA | 7 | $ 2,425,000 | $ 346,428 | $ 186,000 |
| Boston, MA | 7 | $ 1,525,000 | $ 217,857 | $ 208,000 |
| Kennewick-Richland, WA | 7 | $ 1,365,000 | $ 195,000 | $ 153,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 3,255,000 | $ 465,000 | $ 182,000 |
| Jacksonville, FL | 6 | $ 1,270,000 | $ 211,666 | $ 176,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,150,000 | $ 191,666 | $ 164,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,480,000 | $ 413,333 | $ 171,000 |
| Ogden-Clearfield, UT | 6 | $ 1,200,000 | $ 200,000 | $ 115,000 |
| Richmond, VA | 6 | $ 1,170,000 | $ 195,000 | $ 82,000 |
| Salinas, CA | 6 | $ 2,120,000 | $ 353,333 | $ 172,000 |
| Yuba City, CA | 6 | $ 1,580,000 | $ 263,333 | $ 154,000 |
| Bakersfield, CA | 5 | $ 675,000 | $ 135,000 | $ 131,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 1,235,000 | $ 247,000 | $ 169,000 |
| Cleveland-Elyria, OH | 5 | $ 275,000 | $ 55,000 | $ 116,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,165,000 | $ 233,000 | $ 147,000 |
| Madera, CA | 5 | $ 565,000 | $ 113,000 | $ 142,000 |
| Merced, CA | 5 | $ 755,000 | $ 151,000 | $ 124,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 3,195,000 | $ 639,000 | $ 192,600 |
| Santa Fe, NM | 5 | $ 1,325,000 | $ 265,000 | $ 172,000 |
| Washington-Baltimore-Arlington, DC | 5 | $ 905,000 | $ 181,000 | $ 140,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,395,000 | $ 279,000 | $ 116,000 |
| Fresno, CA | 4 | $ 1,090,000 | $ 272,500 | $ 141,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 950,000 | $ 237,500 | $ 244,250 |
| Napa, CA | 4 | $ 380,000 | $ 95,000 | $ 193,000 |
| Nassau County-Suffolk County, NY | 4 | $ 800,000 | $ 200,000 | $ 108,000 |
| Yakima, WA | 4 | $ 1,140,000 | $ 285,000 | $ 96,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 835,000 | $ 278,333 | $ 186,000 |
| Charlottesville, VA | 3 | $ 335,000 | $ 111,666 | $ 68,000 |
| Chico, CA | 3 | $ 565,000 | $ 188,333 | $ 163,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,825,000 | $ 608,333 | $ 362,000 |
| Grants Pass, OR | 3 | $ 745,000 | $ 248,333 | $ 84,000 |
| Idaho Falls, ID | 3 | $ 335,000 | $ 111,666 | $ 142,000 |
| Las Cruces, NM | 3 | $ 465,000 | $ 155,000 | $ 111,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,125,000 | $ 375,000 | $ 138,000 |
| Philadelphia, PA | 3 | $ 565,000 | $ 188,333 | $ 107,000 |
| Pittsburgh, PA | 3 | $ 915,000 | $ 305,000 | $ 134,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 635,000 | $ 211,666 | $ 164,000 |
| Walla Walla, WA | 3 | $ 455,000 | $ 151,666 | $ 115,000 |
| Yuma, AZ | 3 | $ 485,000 | $ 161,666 | $ 89,000 |
| Barnstable Town, MA | 2 | $ 770,000 | $ 385,000 | $ 317,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,540,000 | $ 770,000 | $ 171,000 |
| Camden, NJ | 2 | $ 110,000 | $ 55,000 | $ 92,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 460,000 | $ 230,000 | $ 137,000 |
| Columbus, OH | 2 | $ 700,000 | $ 350,000 | $ 176,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 90,000 | $ 45,000 | $ 69,000 |
| El Paso, TX | 2 | $ 310,000 | $ 155,000 | $ 192,000 |
| Flagstaff, AZ | 2 | $ 550,000 | $ 275,000 | $ 77,000 |
| Grand Junction, CO | 2 | $ 50,000 | $ 25,000 | $ 147,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 40,000 | $ 20,000 | $ 55,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 260,000 | $ 130,000 | $ 84,000 |
| Port St. Lucie, FL | 2 | $ 440,000 | $ 220,000 | $ 102,000 |
| Portland-South Portland, ME | 2 | $ 460,000 | $ 230,000 | $ 60,000 |
| Punta Gorda, FL | 2 | $ 210,000 | $ 105,000 | $ 47,000 |
| Savannah, GA | 2 | $ 150,000 | $ 75,000 | $ 280,000 |
| Visalia-Porterville, CA | 2 | $ 340,000 | $ 170,000 | $ 74,000 |
| Winston-Salem, NC | 2 | $ 300,000 | $ 150,000 | $ 99,000 |
| Aguadilla-Isabela, PR | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Akron, OH | 1 | $ 195,000 | $ 195,000 | $ 150,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 275,000 | $ 275,000 | $ 250,000 |
| Brownsville-Harlingen, TX | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Charleston-North Charleston, SC | 1 | $ 365,000 | $ 365,000 | $ 109,000 |
| Chattanooga, TN-GA | 1 | $ 105,000 | $ 105,000 | $ 244,000 |
| Duluth, MN-WI | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| East Stroudsburg, PA | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Farmington, NM | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Gainesville, FL | 1 | $ 235,000 | $ 235,000 | $ 196,000 |
| Gainesville, GA | 1 | $ 365,000 | $ 365,000 | $ 139,000 |
| Greensboro-High Point, NC | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Hanford-Corcoran, CA | 1 | $ 295,000 | $ 295,000 | $ 48,000 |
| Harrisburg-Carlisle, PA | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 5,085,000 | $ 5,085,000 | $ 0 |
| Ithaca, NY | 1 | $ 245,000 | $ 245,000 | $ 166,000 |
| Jacksonville, NC | 1 | $ 95,000 | $ 95,000 | $ 158,000 |
| Kansas City, MO-KS | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Killeen-Temple, TX | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Lakeland-Winter Haven, FL | 1 | $ 95,000 | $ 95,000 | $ 138,000 |
| Laredo, TX | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Lewiston, ID-WA | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Longview, TX | 1 | $ 55,000 | $ 55,000 | $ 200,000 |
| Mansfield, OH | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| New Bern, NC | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| New Haven-Milford, CT | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| Pittsfield, MA | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Providence-Warwick, RI-MA | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Pueblo, CO | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Roanoke, VA | 1 | $ 95,000 | $ 95,000 | $ 119,000 |
| Rochester, NY | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Rome, GA | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| San Rafael, CA | 1 | $ 955,000 | $ 955,000 | $ 235,000 |
| Sebring, FL | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 145,000 | $ 145,000 | $ 88,000 |
| Spartanburg, SC | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Springfield, MA | 1 | $ 445,000 | $ 445,000 | $ 386,000 |
| St. Cloud, MN | 1 | $ 605,000 | $ 605,000 | $ 0 |
| St. George, UT | 1 | $ 255,000 | $ 255,000 | $ 144,000 |
| State College, PA | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Staunton-Waynesboro, VA | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| The Villages, FL | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Twin Falls, ID | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Tyler, TX | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Wilmington, NC | 1 | $ 105,000 | $ 105,000 | $ 153,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 6,211 | $2,715,705,000 | $437,000 | $2,915,000 | $167,000 | $1,332,000 |
| Cash-out Refinancing | 2,541 | $755,905,000 | $297,000 | $2,705,000 | $144,000 | $2,550,000 |
| Refinancing | 2,533 | $1,120,295,000 | $442,000 | $6,955,000 | $176,000 | $5,125,000 |
| Other Purpose | 1,766 | $180,910,000 | $102,000 | $1,005,000 | $140,000 | $1,730,000 |
| Home Improvement | 1,306 | $136,020,000 | $104,000 | $1,005,000 | $141,000 | $896,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $294,000 | $294,000 |
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 | 7,092 | $2,097,760,000 | $295,000 | $3,025,000 | $148,000 | $1,730,000 |
| Not Provided | 2,716 | $869,830,000 | $320,000 | $2,665,000 | $162,000 | $5,125,000 |
| Asian | 2,397 | $1,101,175,000 | $459,000 | $2,455,000 | $181,000 | $2,831,000 |
| Hispanic | 863 | $249,155,000 | $288,000 | $1,775,000 | $136,000 | $745,000 |
| Black or African American | 241 | $75,635,000 | $313,000 | $1,805,000 | $144,000 | $539,000 |
| American Indian or Alaskan Native | 107 | $29,085,000 | $271,000 | $1,345,000 | $124,000 | $896,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,660,000 | $228,000 | $525,000 | $102,000 | $275,000 |
| Not applicable | 13 | $24,415,000 | $1,878,000 | $6,955,000 | $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) | 14,358 | $4,908,840,000 | $341,000 | $6,955,000 | $159,000 | $5,125,000 |
| 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 | 7,603 | $2,412,025,000 | $317,000 | $6,955,000 | $154,000 | $5,125,000 |
| Application Withdrawn By Applicant | 1,861 | $677,185,000 | $363,000 | $2,655,000 | $185,000 | $2,831,000 |
| Preapproval Approved but not Accepted | 1,548 | $904,930,000 | $584,000 | $2,665,000 | $169,000 | $815,000 |
| File Closed For Incompleteness | 1,073 | $305,175,000 | $284,000 | $2,965,000 | $168,000 | $1,513,000 |
| Application Denied By Financial Institution | 1,023 | $224,975,000 | $219,000 | $2,985,000 | $122,000 | $900,000 |
| Application Approved But Not Accepted | 902 | $233,540,000 | $258,000 | $3,025,000 | $179,000 | $1,579,000 |
| Preapproval Denied by Financial Institution | 348 | $151,010,000 | $433,000 | $2,195,000 | $108,000 | $1,332,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 12,987 | $4,532,855,000 | $349,000 | $6,955,000 | $163,000 | $5,125,000 |
| Debt-To-Income Ratio | 568 | $152,230,000 | $268,000 | $2,195,000 | $81,000 | $819,000 |
| Credit History | 355 | $99,975,000 | $281,000 | $1,925,000 | $134,000 | $1,332,000 |
| Collateral | 283 | $49,995,000 | $176,000 | $1,505,000 | $148,000 | $494,000 |
| Other | 46 | $26,670,000 | $579,000 | $2,985,000 | $247,000 | $900,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 44 | $17,270,000 | $392,000 | $1,065,000 | $134,000 | $488,000 |
| Unverifiable Information | 42 | $18,430,000 | $438,000 | $1,285,000 | $148,000 | $400,000 |
| Employment History | 25 | $8,775,000 | $351,000 | $1,005,000 | $109,000 | $298,000 |
| Credit Application Incomplete | 8 | $2,640,000 | $330,000 | $735,000 | $157,000 | $320,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2019 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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