First Technology Federal Credit Union mortgage approval rate & lending review
First Technology Federal Credit Union decided 10,397 mortgage applications and funded 8,464 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Technology Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Technology Federal Credit Union at a glance
Approval is 16.7 points above the 74.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 3,631 / 3,789 | 85% | $445K | 3,102 |
| Home improvement loans | 93% | 2,594 / 2,780 | 93% | $105K | 2,410 |
| Cash-out refinance | 83% | 1,918 / 2,316 | 91% | $155K | 1,747 |
| Refinance | 91% | 574 / 630 | 92% | $885K | 530 |
| Investment property purchase | 92% | 292 / 316 | 89% | $245K | 261 |
| Investment cash-out refinance | 71% | 123 / 174 | 88% | $205K | 108 |
| Investment refinance | 88% | 23 / 26 | 83% | $315K | 19 |
| Investment home improvement | 87% | 319 / 366 | 90% | $165K | 287 |
First Technology Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 93% | $155K | 3,796 | 3,189 |
| Washington | 92% | $815K | 2,538 | 2,070 |
| California | 88% | $305K | 1,908 | 1,482 |
| Colorado | 92% | $125K | 480 | 399 |
| Texas | 93% | $365K | 373 | 298 |
| Arizona | 88% | $165K | 212 | 165 |
| Idaho | 95% | $205K | 212 | 178 |
| Florida | 88% | $185K | 170 | 131 |
| Georgia | 90% | $185K | 137 | 107 |
| North Carolina | 92% | $305K | 88 | 72 |
| Massachusetts | 95% | $445K | 64 | 54 |
| New Jersey | 83% | $185K | 53 | 42 |
| Nevada | 89% | $145K | 47 | 38 |
| Ohio | 93% | $85K | 43 | 34 |
| New York | 80% | $175K | 41 | 28 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Technology Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| King County, WA | Mortgage lenders | 95% | 768 | 634 |
| Washington County, OR | Mortgage lenders | 97% | 667 | 551 |
| Washington County, OR | Home improvement loans | 96% | 572 | 528 |
| Washington County, OR | Cash-out refinance | 86% | 471 | 378 |
| King County, WA | Home improvement loans | 93% | 363 | 310 |
| King County, WA | Cash-out refinance | 83% | 308 | 236 |
| Multnomah County, OR | Mortgage lenders | 99% | 236 | 209 |
| Multnomah County, OR | Home improvement loans | 96% | 209 | 185 |
| Snohomish County, WA | Mortgage lenders | 95% | 207 | 166 |
| King County, WA | Refinance | 92% | 169 | 147 |
| Santa Clara County, CA | Mortgage lenders | 93% | 147 | 114 |
| Clackamas County, OR | Home improvement loans | 94% | 127 | 112 |
The county markets where First Technology Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Technology Federal Credit Union
What is First Technology Federal Credit Union's mortgage approval rate?
First Technology Federal Credit Union approved 91.1% of the 10,397 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.7 points above the 74.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Technology Federal Credit Union offers?
Borrowers accepted 89% of the loans First Technology Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Technology Federal Credit Union make?
The typical home purchase mortgage loan First Technology Federal Credit Union made was $445K; across all loan types its typical loan ran from $105K to $885K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Technology Federal Credit Union lend?
First Technology Federal Credit Union decided applications in 35 of the states Fat Boy Data covers, most of them in Oregon, Washington and California.
Can I apply to First Technology Federal Credit Union directly?
Yes. First Technology Federal Credit Union is a bank or credit union with 64 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Technology Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Technology Federal Credit Union treats applications, then get a rate quote from the lender.