Technology Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Technology Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Technology Credit Union 2010 N First St, Suite #200 San Jose, CA 95131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,929 |
| Total Mortgage Loan Application Amount | $878,405,000 |
| Average Mortgage Loan Application Amount | $452,333 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $277,666 |
| Highest Applicant Income | $7,527,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Technology Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Technology Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Technology Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Technology Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Technology Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Technology Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Clara County California | 875 | $ 382,205,000 | $ 436,000 | $ 263,000 |
| Alameda County California | 358 | $ 166,870,000 | $ 466,000 | $ 234,000 |
| Contra Costa County California | 129 | $ 62,455,000 | $ 484,000 | $ 244,000 |
| San Mateo County California | 77 | $ 46,995,000 | $ 610,000 | $ 287,000 |
| San Joaquin County California | 52 | $ 12,950,000 | $ 249,000 | $ 167,000 |
| Los Angeles County California | 51 | $ 28,255,000 | $ 554,000 | $ 254,000 |
| San Diego County California | 38 | $ 14,290,000 | $ 376,000 | $ 198,000 |
| San Francisco County California | 33 | $ 16,825,000 | $ 509,000 | $ 242,000 |
| Orange County California | 32 | $ 14,410,000 | $ 450,000 | $ 259,000 |
| Santa Cruz County California | 31 | $ 11,315,000 | $ 365,000 | $ 230,000 |
| Placer County California | 22 | $ 4,800,000 | $ 218,000 | $ 216,000 |
| Sacramento County California | 21 | $ 4,525,000 | $ 215,000 | $ 144,000 |
| Marin County California | 16 | $ 5,590,000 | $ 349,000 | $ 414,000 |
| Monterey County California | 10 | $ 6,660,000 | $ 666,000 | $ 264,000 |
| Riverside County California | 10 | $ 3,090,000 | $ 309,000 | $ 274,000 |
| Nevada County California | 8 | $ 3,230,000 | $ 403,000 | $ 315,000 |
| San Bernardino County California | 8 | $ 3,590,000 | $ 448,000 | $ 170,000 |
| Ventura County California | 8 | $ 3,560,000 | $ 445,000 | $ 283,000 |
| Stanislaus County California | 7 | $ 1,215,000 | $ 173,000 | $ 147,000 |
| Solano County California | 6 | $ 1,480,000 | $ 246,000 | $ 148,000 |
| El Dorado County California | 5 | $ 4,595,000 | $ 919,000 | $ 398,000 |
| San Benito County California | 5 | $ 865,000 | $ 173,000 | $ 120,000 |
| Merced County California | 4 | $ 310,000 | $ 77,000 | $ 73,000 |
| Tuolumne County California | 4 | $ 710,000 | $ 177,000 | $ 165,000 |
| Calaveras County California | 3 | $ 435,000 | $ 145,000 | $ 171,000 |
| Fresno County California | 3 | $ 625,000 | $ 208,000 | $ 777,000 |
| Napa County California | 3 | $ 1,395,000 | $ 465,000 | $ 229,000 |
| San Luis Obispo County California | 3 | $ 275,000 | $ 91,000 | $ 96,000 |
| Sonoma County California | 3 | $ 565,000 | $ 188,000 | $ 150,000 |
| Yolo County California | 3 | $ 875,000 | $ 291,000 | $ 117,000 |
| Maricopa County Arizona | 2 | $ 630,000 | $ 315,000 | $ 108,000 |
| Butte County California | 2 | $ 350,000 | $ 175,000 | $ 80,000 |
| Tulare County California | 2 | $ 210,000 | $ 105,000 | $ 440,000 |
| Denton County Texas | 2 | $ 100,000 | $ 50,000 | $ 152,000 |
| Travis County Texas | 2 | $ 180,000 | $ 90,000 | $ 450,000 |
| Pinal County Arizona | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Humboldt County California | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Mariposa County California | 1 | $ 155,000 | $ 155,000 | $ 476,000 |
| Fairfield County Connecticut | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Pinellas County Florida | 1 | $ 35,000 | $ 35,000 | $ 1,140,000 |
| Bibb County Georgia | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Porter County Indiana | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Prince George's County Maryland | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Ray County Missouri | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Clark County Nevada | 1 | $ 45,000 | $ 45,000 | $ 720,000 |
| Washoe County Nevada | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Rockland County New York | 1 | $ 155,000 | $ 155,000 | $ 2,004,000 |
| Suffolk County New York | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| Multnomah County Oregon | 1 | $ 575,000 | $ 575,000 | $ 378,000 |
| Washington County Oregon | 1 | $ 455,000 | $ 455,000 | $ 948,000 |
| Chester County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Tarrant County Texas | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| King County Washington | 1 | $ 845,000 | $ 845,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for Technology Credit Union in 2022
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 Improvement | 998 | $251,200,000 | $251,000 | $1,005,000 | $246,000 | $7,527,000 |
| Home Purchase | 418 | $368,510,000 | $881,000 | $3,005,000 | $275,000 | $2,160,000 |
| Refinancing | 187 | $126,385,000 | $675,000 | $2,305,000 | $257,000 | $2,103,000 |
| Cash-out Refinancing | 163 | $87,895,000 | $539,000 | $2,545,000 | $255,000 | $3,408,000 |
| Other Purpose | 162 | $44,320,000 | $273,000 | $755,000 | $188,000 | $624,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $445,000 | $445,000 |
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 | 618 | $199,260,000 | $322,000 | $2,305,000 | $238,000 | $7,527,000 |
| Asian | 446 | $347,190,000 | $778,000 | $3,005,000 | $264,000 | $2,040,000 |
| Not Provided | 225 | $139,995,000 | $622,000 | $2,705,000 | $297,000 | $4,320,000 |
| Hispanic | 67 | $20,505,000 | $306,000 | $1,915,000 | $171,000 | $948,000 |
| Not applicable | 40 | $9,280,000 | $232,000 | $505,000 | $0 | $0 |
| Black or African American | 33 | $14,025,000 | $425,000 | $2,205,000 | $202,000 | $566,000 |
| American Indian or Alaskan Native | 6 | $1,280,000 | $213,000 | $605,000 | $135,000 | $285,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,090,000 | $522,000 | $1,175,000 | $201,000 | $238,000 |
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) | 1,929 | $878,405,000 | $455,000 | $3,005,000 | $250,000 | $7,527,000 |
| 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 | 1,158 | $556,580,000 | $480,000 | $3,005,000 | $245,000 | $2,040,000 |
| Application Denied By Financial Institution | 350 | $96,390,000 | $275,000 | $1,505,000 | $253,000 | $7,527,000 |
| Application Approved But Not Accepted | 214 | $91,250,000 | $426,000 | $2,455,000 | $262,000 | $1,683,000 |
| Application Withdrawn By Applicant | 76 | $43,030,000 | $566,000 | $1,475,000 | $304,000 | $2,687,000 |
| Preapproval Approved but not Accepted | 74 | $69,890,000 | $944,000 | $2,275,000 | $242,000 | $1,270,000 |
| Loan Purchased By The Institution | 40 | $9,280,000 | $232,000 | $505,000 | $0 | $0 |
| File Closed For Incompleteness | 16 | $11,740,000 | $733,000 | $2,205,000 | $245,000 | $612,000 |
| Preapproval Denied by Financial Institution | 1 | $245,000 | $245,000 | $245,000 | $56,000 | $56,000 |
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 | 1,578 | $781,770,000 | $495,000 | $3,005,000 | $250,000 | $2,687,000 |
| Debt-To-Income Ratio | 166 | $51,290,000 | $308,000 | $1,505,000 | $173,000 | $7,527,000 |
| Collateral | 76 | $15,320,000 | $201,000 | $1,255,000 | $362,000 | $4,045,000 |
| Other | 40 | $9,800,000 | $245,000 | $825,000 | $361,000 | $4,320,000 |
| Credit History | 33 | $5,585,000 | $169,000 | $755,000 | $217,000 | $2,004,000 |
| Credit Application Incomplete | 15 | $5,595,000 | $373,000 | $755,000 | $355,000 | $2,160,000 |
| Unverifiable Information | 14 | $7,490,000 | $535,000 | $1,055,000 | $259,000 | $533,000 |
| Employment History | 6 | $1,440,000 | $240,000 | $255,000 | $253,000 | $323,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $68,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Technology Credit Union's 2022 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 Technology 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.