# FIRST TECHNOLOGY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/first-technology-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIRST TECHNOLOGY FEDERAL CREDIT UNION is a credit union, headquartered in San Jose, CA, serving borrowers across 24 states, with 1,121 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Q02LGIN9AXKP98
- **Headquarters:** San Jose, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AZ, CA, CO, CT, DE, FL, GA, ID, MA, MD, ME, MN, NC, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.012%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $259
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,121
- **Dollar Volume:** $773 million
- **Applications Received:** 1,561
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $689,237
- **Average Borrower Income:** $252,331
- **Average Property Value:** $1,037,444

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 855 | +0.068% | $774 | Strong 😀 |
| Jumbo | 85/100 | 266 | -0.203% | $-1,739 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 654 loans, Score: 62/100 (Strong)
- Refinance: 201 loans, Score: 69/100 (Strong)

**Jumbo:**
- Purchase: 193 loans, Score: 84/100 (Exceptional)
- Refinance: 73 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 847 | $577M | +0.053% | Strong 😀 |
| Refinance | 70/100 | 274 | $196M | -0.127% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 367 | 0.86% | 83/100 |
| WA | 355 | 0.42% | 80/100 |
| CA | 159 | 0.06% | 61/100 |
| TX | 72 | 0.02% | 53/100 |
| ID | 35 | 0.13% | 52/100 |
| CO | 30 | 0.04% | 49/100 |
| FL | 17 | 0.01% | 37/100 |
| NC | 16 | 0.01% | 40/100 |
| GA | 15 | 0.01% | 40/100 |
| MA | 13 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 309 | 82/100 |
| Seattle | WA | 261 | 82/100 |
| Everett, WA | WA | 52 | 67/100 |
| San Jose | CA | 49 | 62/100 |
| Houston | TX | 48 | 55/100 |
| Oakland | CA | 40 | 58/100 |
| Salem, OR | OR | 38 | 65/100 |
| Boise City, ID | ID | 32 | 54/100 |
| Non |  | 31 | 32/100 |
| Fort Collins | CO | 18 | 50/100 |
| San Diego | CA | 14 | 43/100 |
| Austin | TX | 12 | 41/100 |
| Sacramento | CA | 10 | 39/100 |

## Where This Lender Ranks

FIRST TECHNOLOGY FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Oregon for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Portland for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Seattle Credit Unions
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Seattle for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Oregon for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Portland for Jumbo Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Everett, WA Credit Unions
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Salem, OR Credit Unions
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Boise City, ID Credit Unions
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Oregon Credit Unions
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Washington Credit Unions
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Washington for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Portland
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders)
- 🥉 **#3** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Everett, WA for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in San Jose Credit Unions
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Oregon
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders)
- 🏆 **#4** in Seattle for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Everett, WA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST TECHNOLOGY FEDERAL CREDIT UNION offer?

FIRST TECHNOLOGY FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST TECHNOLOGY FEDERAL CREDIT UNION offer mortgages?

FIRST TECHNOLOGY FEDERAL CREDIT UNION offers mortgages in 24 states: AZ, CA, CO, CT, DE, FL, GA, ID, MA, MD, ME, MN, NC, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA.

### How competitive are FIRST TECHNOLOGY FEDERAL CREDIT UNION's mortgage rates?

FIRST TECHNOLOGY FEDERAL CREDIT UNION has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.012% above market average.

### What type of lender is FIRST TECHNOLOGY FEDERAL CREDIT UNION?

FIRST TECHNOLOGY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Jose, CA.

### What is FIRST TECHNOLOGY FEDERAL CREDIT UNION's loan approval success rate?

FIRST TECHNOLOGY FEDERAL CREDIT UNION has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-technology-federal-credit-union

### How to Cite

> "FIRST TECHNOLOGY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-technology-federal-credit-union

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