First Technology Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, First Technology Federal Credit Union of Hillsboro, OR reported 6,270 mortgage applications totaling $2.6 billion, down 13% from 2023. The average application was for $413,283, and applicants reported an average income of $226,094. 54% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (1,644), Seattle-Bellevue-Everett, WA (841) and Salem, OR (235) (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 | 6,270 |
| Total Mortgage Loan Application Amount | $2,591,290,000 |
| Average Mortgage Loan Application Amount | $413,283 |
| Highest Mortgage Loan Application Amount | $18,345,000 |
| Average Applicant Income | $226,094 |
| Highest Applicant Income | $7,392,000 |
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First Technology Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,644 | $ 404,320,000 | $ 245,936 | $ 178,877 |
| Outside any metro area | 966 | $ 669,600,000 | $ 693,167 | $ 238,175 |
| Seattle-Bellevue-Everett, WA | 841 | $ 528,425,000 | $ 628,329 | $ 316,000 |
| Salem, OR | 235 | $ 41,005,000 | $ 174,489 | $ 131,000 |
| Everett, WA | 194 | $ 91,350,000 | $ 470,876 | $ 238,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 181 | $ 122,545,000 | $ 677,044 | $ 353,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 142 | $ 33,570,000 | $ 236,408 | $ 198,000 |
| Oakland-Hayward-Berkeley, CA | 134 | $ 75,140,000 | $ 560,746 | $ 337,000 |
| San Diego-Carlsbad, CA | 123 | $ 41,175,000 | $ 334,756 | $ 229,000 |
| Boise City, ID | 119 | $ 29,395,000 | $ 247,016 | $ 146,000 |
| Fort Collins, CO | 114 | $ 28,130,000 | $ 246,754 | $ 158,000 |
| Houston-The Woodlands-Sugar Land, TX | 107 | $ 31,095,000 | $ 290,607 | $ 217,000 |
| Eugene, OR | 75 | $ 8,875,000 | $ 118,333 | $ 102,000 |
| Bend-Redmond, OR | 72 | $ 19,620,000 | $ 272,500 | $ 241,000 |
| Denver-Aurora-Lakewood, CO | 62 | $ 15,090,000 | $ 243,387 | $ 189,000 |
| Phoenix-Mesa-Scottsdale, AZ | 62 | $ 15,250,000 | $ 245,967 | $ 209,000 |
| Los Angeles-Long Beach-Glendale, CA | 54 | $ 24,130,000 | $ 446,851 | $ 388,000 |
| Corvallis, OR | 53 | $ 10,805,000 | $ 203,867 | $ 146,000 |
| Atlanta-Sandy Springs-Roswell, GA | 50 | $ 30,650,000 | $ 613,000 | $ 202,000 |
| Santa Rosa, CA | 49 | $ 18,195,000 | $ 371,326 | $ 155,000 |
| Riverside-San Bernardino-Ontario, CA | 47 | $ 11,755,000 | $ 250,106 | $ 195,000 |
| Anaheim-Santa Ana-Irvine, CA | 41 | $ 17,945,000 | $ 437,682 | $ 263,000 |
| Tacoma-Lakewood, WA | 38 | $ 11,100,000 | $ 292,105 | $ 307,000 |
| Austin-Round Rock, TX | 37 | $ 14,485,000 | $ 391,486 | $ 230,000 |
| San Francisco-Redwood City-South San Francisco, CA | 37 | $ 22,205,000 | $ 600,135 | $ 318,000 |
| Albany, OR | 35 | $ 7,165,000 | $ 204,714 | $ 111,000 |
| Dallas-Plano-Irving, TX | 31 | $ 13,035,000 | $ 420,483 | $ 214,000 |
| Greeley, CO | 28 | $ 3,850,000 | $ 137,500 | $ 143,000 |
| Colorado Springs, CO | 23 | $ 3,665,000 | $ 159,347 | $ 125,000 |
| Las Vegas-Henderson-Paradise, NV | 22 | $ 4,010,000 | $ 182,272 | $ 263,000 |
| Bremerton-Silverdale, WA | 20 | $ 8,000,000 | $ 400,000 | $ 336,000 |
| Cambridge-Newton-Framingham, MA | 20 | $ 9,270,000 | $ 463,500 | $ 255,000 |
| Tucson, AZ | 18 | $ 2,890,000 | $ 160,555 | $ 272,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 6,715,000 | $ 395,000 | $ 356,000 |
| Marietta, GA | 17 | $ 5,635,000 | $ 331,470 | $ 178,000 |
| New York-Jersey City-White Plains, NY-NJ | 17 | $ 11,965,000 | $ 703,823 | $ 270,529 |
| Arlington-Alexandria-Reston, VA-WV | 16 | $ 8,390,000 | $ 524,375 | $ 373,000 |
| Charlotte-Concord-Gastonia, NC-SC | 16 | $ 4,930,000 | $ 308,125 | $ 208,500 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 7,190,000 | $ 449,375 | $ 220,000 |
| Stockton-Lodi, CA | 16 | $ 7,900,000 | $ 493,750 | $ 232,000 |
| Raleigh, NC | 13 | $ 4,135,000 | $ 318,076 | $ 240,000 |
| Spokane-Spokane Valley, WA | 12 | $ 2,640,000 | $ 220,000 | $ 224,000 |
| Boston, MA | 10 | $ 3,630,000 | $ 363,000 | $ 146,000 |
| Longview, WA | 10 | $ 2,080,000 | $ 208,000 | $ 166,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 1,695,000 | $ 188,333 | $ 196,555 |
| Bellingham, WA | 9 | $ 2,975,000 | $ 330,555 | $ 169,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 2,325,000 | $ 258,333 | $ 153,000 |
| Chico, CA | 8 | $ 1,420,000 | $ 177,500 | $ 208,000 |
| Columbus, OH | 8 | $ 1,530,000 | $ 191,250 | $ 189,000 |
| Nassau County-Suffolk County, NY | 8 | $ 4,250,000 | $ 531,250 | $ 418,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,530,000 | $ 316,250 | $ 200,000 |
| San Rafael, CA | 8 | $ 5,620,000 | $ 702,500 | $ 365,000 |
| Albuquerque, NM | 7 | $ 1,795,000 | $ 256,428 | $ 211,000 |
| Baltimore-Columbia-Towson, MD | 7 | $ 1,055,000 | $ 150,714 | $ 168,000 |
| Charleston-North Charleston, SC | 7 | $ 1,055,000 | $ 150,714 | $ 227,000 |
| Cleveland, OH | 7 | $ 645,000 | $ 92,142 | $ 335,000 |
| Lakewood-New Brunswick, NJ | 7 | $ 1,805,000 | $ 257,857 | $ 456,000 |
| Philadelphia, PA | 7 | $ 715,000 | $ 102,142 | $ 165,000 |
| Tampa, FL | 7 | $ 2,325,000 | $ 332,142 | $ 195,000 |
| Worcester, MA-CT | 7 | $ 3,095,000 | $ 442,142 | $ 301,000 |
| Boulder, CO | 6 | $ 1,300,000 | $ 216,666 | $ 191,000 |
| Cincinnati, OH-KY-IN | 6 | $ 4,600,000 | $ 766,666 | $ 138,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,650,000 | $ 275,000 | $ 232,000 |
| Medford, OR | 6 | $ 1,310,000 | $ 218,333 | $ 110,000 |
| Provo-Orem, UT | 6 | $ 1,440,000 | $ 240,000 | $ 175,000 |
| Salinas, CA | 6 | $ 1,790,000 | $ 298,333 | $ 189,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,850,000 | $ 308,333 | $ 1,408,000 |
| St. Petersburg-Clearwater-Largo, FL | 6 | $ 760,000 | $ 126,666 | $ 227,000 |
| Wilmington, NC | 6 | $ 600,000 | $ 100,000 | $ 190,000 |
| Jacksonville, FL | 5 | $ 915,000 | $ 183,000 | $ 95,000 |
| Ogden-Clearfield, UT | 5 | $ 545,000 | $ 109,000 | $ 131,000 |
| Olympia-Tumwater, WA | 5 | $ 1,395,000 | $ 279,000 | $ 199,000 |
| Richmond, VA | 5 | $ 935,000 | $ 187,000 | $ 104,000 |
| Salt Lake City, UT | 5 | $ 585,000 | $ 117,000 | $ 173,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 1,245,000 | $ 249,000 | $ 198,000 |
| Trenton, NJ | 5 | $ 745,000 | $ 149,000 | $ 198,000 |
| Visalia-Porterville, CA | 5 | $ 345,000 | $ 69,000 | $ 130,000 |
| Walla Walla, WA | 5 | $ 395,000 | $ 79,000 | $ 101,000 |
| Washington, DC-MD | 5 | $ 805,000 | $ 161,000 | $ 172,800 |
| Wenatchee, WA | 5 | $ 1,825,000 | $ 365,000 | $ 994,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,935,000 | $ 387,000 | $ 201,000 |
| Winston-Salem, NC | 5 | $ 805,000 | $ 161,000 | $ 133,000 |
| Coeur D'Alene, ID | 4 | $ 3,210,000 | $ 802,500 | $ 131,000 |
| Fresno, CA | 4 | $ 250,000 | $ 62,500 | $ 77,000 |
| Lakeland-Winter Haven, FL | 4 | $ 1,550,000 | $ 387,500 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 520,000 | $ 130,000 | $ 197,000 |
| Napa, CA | 4 | $ 490,000 | $ 122,500 | $ 152,000 |
| Pittsburgh, PA | 4 | $ 460,000 | $ 115,000 | $ 216,000 |
| Redding, CA | 4 | $ 600,000 | $ 150,000 | $ 175,000 |
| Reno, NV | 4 | $ 850,000 | $ 212,500 | $ 124,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,050,000 | $ 262,500 | $ 151,000 |
| Yuba City, CA | 4 | $ 1,530,000 | $ 382,500 | $ 93,000 |
| Brownsville-Harlingen, TX | 3 | $ 5,145,000 | $ 1,715,000 | $ 369,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 235,000 | $ 78,333 | $ 160,000 |
| Durham-Chapel Hill, NC | 3 | $ 535,000 | $ 178,333 | $ 150,000 |
| El Paso, TX | 3 | $ 545,000 | $ 181,666 | $ 109,000 |
| Flagstaff, AZ | 3 | $ 2,905,000 | $ 968,333 | $ 402,000 |
| Manchester-Nashua, NH | 3 | $ 585,000 | $ 195,000 | $ 237,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 705,000 | $ 235,000 | $ 261,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,215,000 | $ 405,000 | $ 326,000 |
| Newark, NJ-PA | 3 | $ 895,000 | $ 298,333 | $ 380,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 685,000 | $ 228,333 | $ 140,000 |
| Rochester, NY | 3 | $ 625,000 | $ 208,333 | $ 221,000 |
| Savannah, GA | 3 | $ 885,000 | $ 295,000 | $ 109,000 |
| Tallahassee, FL | 3 | $ 245,000 | $ 81,666 | $ 952,000 |
| Twin Falls, ID | 3 | $ 495,000 | $ 165,000 | $ 118,000 |
| Vallejo-Fairfield, CA | 3 | $ 795,000 | $ 265,000 | $ 120,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 795,000 | $ 265,000 | $ 148,000 |
| Asheville, NC | 2 | $ 690,000 | $ 345,000 | $ 263,000 |
| Bakersfield, CA | 2 | $ 190,000 | $ 95,000 | $ 171,000 |
| Bangor, ME | 2 | $ 120,000 | $ 60,000 | $ 74,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,830,000 | $ 915,000 | $ 120,000 |
| Camden, NJ | 2 | $ 200,000 | $ 100,000 | $ 254,000 |
| Charlottesville, VA | 2 | $ 270,000 | $ 135,000 | $ 163,000 |
| Columbus, GA-AL | 2 | $ 10,280,000 | $ 5,140,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Gainesville, FL | 2 | $ 350,000 | $ 175,000 | $ 71,000 |
| Greensboro-High Point, NC | 2 | $ 230,000 | $ 115,000 | $ 114,000 |
| Greenville, NC | 2 | $ 1,480,000 | $ 740,000 | $ 110,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 400,000 | $ 200,000 | $ 212,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 170,000 | $ 85,000 | $ 118,000 |
| Jacksonville, NC | 2 | $ 90,000 | $ 45,000 | $ 100,000 |
| Killeen-Temple, TX | 2 | $ 4,250,000 | $ 2,125,000 | $ 907,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 860,000 | $ 430,000 | $ 126,000 |
| Modesto, CA | 2 | $ 430,000 | $ 215,000 | $ 87,000 |
| Ocala, FL | 2 | $ 320,000 | $ 160,000 | $ 114,000 |
| Oklahoma City, OK | 2 | $ 12,210,000 | $ 6,105,000 | $ 0 |
| Pocatello, ID | 2 | $ 4,980,000 | $ 2,490,000 | $ 83,000 |
| Port St. Lucie, FL | 2 | $ 390,000 | $ 195,000 | $ 94,000 |
| Portland-South Portland, ME | 2 | $ 740,000 | $ 370,000 | $ 175,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 920,000 | $ 460,000 | $ 191,000 |
| Springfield, MA | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Wildwood-The Villages, FL | 2 | $ 510,000 | $ 255,000 | $ 155,000 |
| Wilmington, DE-MD-NJ | 2 | $ 390,000 | $ 195,000 | $ 91,000 |
| Yakima, WA | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Akron, OH | 1 | $ 425,000 | $ 425,000 | $ 184,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| Amarillo, TX | 1 | $ 205,000 | $ 205,000 | $ 119,000 |
| Athens-Clarke County, GA | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Auburn-Opelika, AL | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 65,000 | $ 65,000 | $ 203,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 275,000 | $ 275,000 | $ 372,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 15,000 | $ 15,000 | $ 91,000 |
| College Station-Bryan, TX | 1 | $ 295,000 | $ 295,000 | $ 238,000 |
| Corpus Christi, TX | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 325,000 | $ 325,000 | $ 205,000 |
| Duluth, MN-WI | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| El Centro, CA | 1 | $ 135,000 | $ 135,000 | $ 252,000 |
| Fairbanks, AK | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Farmington, NM | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Fayetteville, NC | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Florence-Muscle Shoals, AL | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Gainesville, GA | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Hanford-Corcoran, CA | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Harrisburg-Carlisle, PA | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 385,000 | $ 385,000 | $ 249,000 |
| Hinesville, GA | 1 | $ 15,000 | $ 15,000 | $ 270,000 |
| Idaho Falls, ID | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Lubbock, TX | 1 | $ 45,000 | $ 45,000 | $ 169,000 |
| Memphis, TN-MS-AR | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Merced, CA | 1 | $ 485,000 | $ 485,000 | $ 260,000 |
| Midland, TX | 1 | $ 395,000 | $ 395,000 | $ 197,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 2,775,000 | $ 2,775,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
| New Haven-Milford, CT | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 265,000 | $ 265,000 | $ 153,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 365,000 | $ 365,000 | $ 249,000 |
| Providence-Warwick, RI-MA | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Pueblo, CO | 1 | $ 175,000 | $ 175,000 | $ 123,000 |
| Punta Gorda, FL | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Reading, PA | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 85,000 | $ 85,000 | $ 125,000 |
| San Angelo, TX | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,275,000 | $ 1,275,000 | $ 539,000 |
| Santa Fe, NM | 1 | $ 75,000 | $ 75,000 | $ 147,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| St. Cloud, MN | 1 | $ 745,000 | $ 745,000 | $ 271,000 |
| St. George, UT | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| St. Louis, MO-IL | 1 | $ 315,000 | $ 315,000 | $ 220,000 |
| Syracuse, NY | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| York-Hanover, PA | 1 | $ 5,000 | $ 5,000 | $ 56,000 |
| Yuma, AZ | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for First Technology Federal Credit Union in 2024
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 | 2,457 | $1,631,445,000 | $663,000 | $18,345,000 | $255,000 | $5,376,000 |
| Other Purpose | 1,517 | $245,535,000 | $161,000 | $2,015,000 | $197,000 | $7,392,000 |
| Cash-out Refinancing | 1,052 | $320,970,000 | $305,000 | $8,305,000 | $205,000 | $3,108,000 |
| Home Improvement | 938 | $148,900,000 | $158,000 | $1,005,000 | $196,000 | $1,476,000 |
| Refinancing | 306 | $244,440,000 | $798,000 | $6,505,000 | $303,000 | $3,564,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,473 | $632,835,000 | $255,000 | $4,005,000 | $199,000 | $7,392,000 |
| Not Provided | 2,185 | $1,119,815,000 | $512,000 | $4,855,000 | $231,000 | $3,108,000 |
| Asian | 958 | $587,670,000 | $613,000 | $3,305,000 | $296,000 | $5,376,000 |
| Hispanic | 445 | $99,355,000 | $223,000 | $2,005,000 | $199,000 | $2,284,000 |
| Black or African American | 126 | $22,020,000 | $174,000 | $965,000 | $230,000 | $2,749,000 |
| American Indian or Alaskan Native | 37 | $4,355,000 | $117,000 | $405,000 | $247,000 | $2,554,000 |
| Not applicable | 37 | $124,285,000 | $3,359,000 | $18,345,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 9 | $955,000 | $106,000 | $405,000 | $127,000 | $244,000 |
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) | 6,270 | $2,591,290,000 | $413,000 | $18,345,000 | $226,000 | $7,392,000 |
| 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 | 3,364 | $1,279,490,000 | $380,000 | $8,305,000 | $223,000 | $2,554,000 |
| Application Denied By Financial Institution | 924 | $210,280,000 | $227,000 | $4,505,000 | $164,000 | $7,392,000 |
| Preapproval Approved but not Accepted | 751 | $591,445,000 | $787,000 | $4,005,000 | $256,000 | $1,608,000 |
| Application Approved But Not Accepted | 404 | $153,660,000 | $380,000 | $3,005,000 | $231,000 | $2,352,000 |
| File Closed For Incompleteness | 372 | $117,000,000 | $314,000 | $2,775,000 | $310,000 | $5,376,000 |
| Application Withdrawn By Applicant | 369 | $180,585,000 | $489,000 | $18,345,000 | $271,000 | $3,564,000 |
| Preapproval Denied by Financial Institution | 86 | $58,830,000 | $684,000 | $3,305,000 | $159,000 | $670,000 |
| 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 | 5,260 | $2,322,180,000 | $441,000 | $18,345,000 | $238,000 | $5,376,000 |
| Debt-To-Income Ratio | 625 | $161,835,000 | $258,000 | $4,505,000 | $108,000 | $708,000 |
| Credit History | 150 | $38,070,000 | $253,000 | $2,295,000 | $240,000 | $3,964,000 |
| Collateral | 135 | $29,025,000 | $215,000 | $2,055,000 | $292,000 | $7,392,000 |
| Other | 39 | $16,235,000 | $416,000 | $3,185,000 | $295,000 | $1,166,000 |
| Unverifiable Information | 38 | $16,040,000 | $422,000 | $1,805,000 | $217,000 | $850,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $6,735,000 | $396,000 | $1,125,000 | $194,000 | $487,000 |
| Employment History | 4 | $910,000 | $227,000 | $405,000 | $19,000 | $78,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $205,000 | $311,000 | $348,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Technology Federal Credit Union's 2024 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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