Technology Credit Union mortgage approval rate & lending review
Technology Credit Union decided 2,170 mortgage applications and funded 1,351 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Technology Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Technology Credit Union at a glance
Approval is 7.0 points above the 67.6% 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 | 87% | 160 / 183 | 82% | $705K | 131 |
| Home improvement loans | 73% | 978 / 1,345 | 85% | $255K | 830 |
| Cash-out refinance | 66% | 116 / 177 | 74% | $305K | 86 |
| Refinance | 83% | 313 / 378 | 85% | $355K | 266 |
| Investment home improvement | 49% | 26 / 53 | 69% | $155K | 18 |
Technology Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 75% | $255K | 2,131 | 1,332 |
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 Technology Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Home improvement loans | 77% | 715 | 473 |
| Santa Clara County, CA | Refinance | 86% | 198 | 146 |
| Alameda County, CA | Home improvement loans | 76% | 189 | 120 |
| Santa Clara County, CA | Cash-out refinance | 79% | 71 | 44 |
| Santa Clara County, CA | Mortgage lenders | 85% | 61 | 43 |
| Contra Costa County, CA | Home improvement loans | 75% | 65 | 40 |
| San Mateo County, CA | Home improvement loans | 76% | 54 | 35 |
| Alameda County, CA | Refinance | 80% | 50 | 31 |
| San Joaquin County, CA | Home improvement loans | 73% | 45 | 25 |
| Orange County, CA | Home improvement loans | 74% | 35 | 24 |
| Santa Cruz County, CA | Home improvement loans | 75% | 24 | 17 |
| Alameda County, CA | Cash-out refinance | 80% | 25 | 15 |
The county markets where Technology Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Technology Credit Union
What is Technology Credit Union's mortgage approval rate?
Technology Credit Union approved 74.6% of the 2,170 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 67.6% national rate for the same mix of loan types.
How often do borrowers take the loan Technology Credit Union offers?
Borrowers accepted 83% of the loans Technology Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Technology Credit Union make?
The typical home improvement loan loan Technology Credit Union made was $255K; across all loan types its typical loan ran from $155K to $705K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Technology Credit Union lend?
Technology Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in California, Idaho and Texas.
Can I apply to Technology Credit Union directly?
Yes. Technology Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Technology 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 Technology Credit Union treats applications, then get a rate quote from the lender.