First Technology Mortgage Rates, Fees & Info
San Jose, CALEI: 549300Q02LGIN9AXKP98
Tax ID: 23-7062675
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Mortgage Data
Review & Overview
First Technology is a small mortgage company specializing in Home Purchase loans. First Technology has a high proportion of conventional loans. Their top markets by origination volume include: Seattle, Portland, San Jose, San Francisco, and Salem among others. We have data for 161 markets. (Some data included below & more in-depth data is available with an active subscription.)First Technology has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Technology is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.92% | 7/7/25 |
| 30 Year Conventional Purchase | 6.86% | 7/7/25 |
| 30 Year Conventional Refi | 6.47% | 7/7/25 |
| 30 Year Cash-out Refi | 6.73% | 7/7/25 |
| 15 Year Conventional Purchase | 6.87% | 7/7/25 |
| 15 Year Conventional Refi | 6.07% | 7/7/25 |
| 15 Year Cash-out Refi | 6.07% | 7/7/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First Technology Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from First Technology. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,364Origination Dollar Volume (All Markets)
$1,279,490,000Awards
FIRST TECHNOLOGY - 2024
FIRST TECHNOLOGY is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
First Technology's average 30 year fixed mortgage rate was
7.66%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 1.11%.
Relative Fees (Closing Costs)
First Technology's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,991.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 668 | $405,290,000 | $606,722 | $5,513 | 7.77% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1,095 | $282,975,000 | $258,425 | $5,066 | 8.29% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 114 | $76,880,000 | $674,386 | $5,370 | 7.69% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 118 | $72,590,000 | $615,169 | $5,856 | 7.92% |
| SALEM, OR (FHA|USDA|VA) | 152 | $27,580,000 | $181,447 | $4,612 | 8.37% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 48 | $24,480,000 | $510,000 | $9,654 | 8.51% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 76 | $24,090,000 | $316,974 | $5,540 | 8.34% |
| FORT COLLINS, CO (FHA|USDA|VA) | 84 | $21,580,000 | $256,905 | $3,160 | 8.32% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 62 | $20,710,000 | $334,032 | $4,044 | 7.53% |
| BOISE CITY, ID (FHA|USDA|VA) | 82 | $20,550,000 | $250,610 | $5,084 | 7.89% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 83 | $18,245,000 | $219,819 | $3,349 | 8.59% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $12,210,000 | $6,105,000 | $0 | 6.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 38 | $10,480,000 | $275,789 | $4,466 | 8.18% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $10,280,000 | $5,140,000 | $0 | 6.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 37 | $9,965,000 | $269,324 | $3,054 | 8.70% |
| BEND, OR (FHA|USDA|VA) | 36 | $9,710,000 | $269,722 | $4,815 | 8.59% |
| Outside of Metro Areas | 32 | $8,850,000 | $276,563 | $5,489 | 7.89% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 16 | $8,440,000 | $527,500 | $5,438 | 7.36% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $8,305,000 | $8,305,000 | $0 | 6.50% |
| Tifton, GA (FHA|USDA|VA) | 1 | $7,905,000 | $7,905,000 | $0 | 6.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 39 | $7,715,000 | $197,821 | $4,774 | 8.24% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 38 | $7,710,000 | $202,895 | $6,005 | 8.41% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 30 | $7,240,000 | $241,333 | $6,030 | 8.40% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 14 | $6,730,000 | $480,714 | $7,950 | 8.45% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 15 | $6,635,000 | $442,333 | $6,477 | 7.03% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 22 | $6,600,000 | $300,000 | $6,647 | 8.85% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $6,380,000 | $455,714 | $6,757 | 8.83% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 25 | $5,405,000 | $216,200 | $4,482 | 8.15% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 39 | $5,125,000 | $131,410 | $3,138 | 8.69% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $0 | 7.13% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $4,905,000 | $4,905,000 | $0 | 6.88% |
| STOCKTON, CA (FHA|USDA|VA) | 8 | $4,860,000 | $607,500 | $3,222 | 7.67% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 11 | $4,765,000 | $433,182 | $4,260 | 7.98% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $4,340,000 | $1,085,000 | $0 | 8.56% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $4,205,000 | $4,205,000 | $0 | 7.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $4,050,000 | $506,250 | $5,808 | 8.20% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $0 | 6.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $3,800,000 | $316,667 | $3,694 | 8.01% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $3,615,000 | $401,667 | $4,898 | 6.99% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $3,495,000 | $3,495,000 | $0 | 6.88% |
| Cortland, NY (FHA|USDA|VA) | 1 | $3,405,000 | $3,405,000 | $0 | 7.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 16 | $2,940,000 | $183,750 | $1,326 | 8.89% |
| Hood River, OR (FHA|USDA|VA) | 9 | $2,935,000 | $326,111 | $10,320 | 8.85% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $2,450,000 | $612,500 | $3,199 | 7.59% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $2,415,000 | $805,000 | $0 | 7.79% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $2,365,000 | $337,857 | $6,679 | 8.86% |
| Newport, OR (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $10,047 | 7.80% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $4,984 | 8.05% |
| Outside of Metro Areas | 3 | $2,155,000 | $718,333 | $5,232 | 6.88% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 12 | $2,150,000 | $179,167 | $7,152 | 8.61% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $6,471 | 9.15% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $4,680 | 8.36% |
| Astoria, OR (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $5,227 | 7.65% |
| GREELEY, CO (FHA|USDA|VA) | 11 | $1,625,000 | $147,727 | $4,123 | 8.42% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $1,550,000 | $193,750 | $5,899 | 7.83% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $4,327 | 8.44% |
| Washington, NC (FHA|USDA|VA) | 1 | $1,525,000 | $1,525,000 | $0 | 7.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $12,509 | 8.15% |
| Prineville, OR (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $5,512 | 7.88% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $1,425,000 | $1,425,000 | $0 | 7.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $1,410,000 | $705,000 | $4,850 | 7.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $4,722 | 8.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $0 | 8.38% |
| CHICO, CA (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $3,794 | 8.55% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $3,207 | 8.58% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $5,042 | 6.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $1,275,000 | $1,275,000 | $8,905 | 6.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $0 | 7.47% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $4,744 | 6.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $4,711 | 8.35% |
| READING, PA (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $0 | 6.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 6.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 7.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 7.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $2,931 | 9.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $8,684 | 6.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,760 | 8.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $10,198 | 8.96% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $3,670 | 6.81% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $0 | 9.81% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $0 | 9.44% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $5,909 | 7.71% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $0 | 6.50% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $0 | 9.33% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,297 | 8.04% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $5,351 | 7.38% |
| RENO, NV (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $8,594 | 8.58% |
| Roseburg, OR (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $5,724 | 7.58% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,618 | 7.63% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $4,063 | 7.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,199 | 6.92% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,144 | 7.63% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 8.69% |
| REDDING, CA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 9.06% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,309 | 7.63% |
| Aberdeen, WA (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $0 | 9.55% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,704 | 6.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,226 | 6.88% |
| MERCED, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 7.38% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $0 | 8.54% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 7.94% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 8.71% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,581 | 7.63% |
| Heber, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 9.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,680 | 8.31% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,624 | 7.00% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,658 | 7.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $0 | 8.73% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,951 | 7.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,569 | 7.13% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,454 | 7.94% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 10.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 9.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 7.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,741 | 8.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,359 | 7.81% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,443 | 6.63% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,763 | 6.63% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 9.56% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $707 | 8.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,550 | 5.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,913 | 6.38% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 9.19% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 9.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,576 | 7.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,221 | 5.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,207 | 6.13% |
| The Dalles, OR (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 8.92% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $587 | 9.13% |
| Rockport, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,156 | 6.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,008 | 8.88% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,018 | 8.13% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,799 | 6.63% |
| Marion, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,846 | 7.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.75% |
| Hailey, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.13% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $100 | 10.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $550 | 9.38% |
| NAPA, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.63% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,794 | 8.00% |
| Corning, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,661 | 5.63% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,797 | 6.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $685 | 7.00% |
| Montrose, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.00% |
| Elko, NV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 11.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.00% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.50% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $822 | 6.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.38% |
| Centralia, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $3,130 | 7.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $587 | 7.50% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against FIRST TECHNOLOGY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 1,918 | $346,070,000 | $180,433 | n/a | 9.08% |
| Conventional | 1,446 | $933,420,000 | $645,519 | $5,130 | 6.89% |
For 2024, First Technology's most frequently originated type of loan was HELOC, with 1,918 originations. Their 2nd most popular type was Conventional, with 1,446 originations.
Loan Reason
For 2024, First Technology's most frequently cited loan purpose was Home Purchase, with 1,137 originations. The 2nd most popular reason was Home Improvement, with 770 originations.
Loan Duration/Length
For 2024, First Technology's most frequently cited loan duration was 30 Year, with 1,916 originations. The 2nd most popular length was Other, with 1,016 originations.
Origination Fees/Closing Costs
First Technology's average total fees were $5,991, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 679 originations.
Interest Rates
During 2024, First Technology's average interest rate for loans was 7.66%, while their most frequently originated rate bucket for loans was Over 8%, with 1,920 originations.
Loan Sizing
2024 saw First Technology place emphasis on $200k-400k loans with 807 originations, totaling $231,925,000 in origination value.
Applicant Income
First Technology lent most frequently to those with incomes in the $150k-250k range, with 1,102 originations. The second most popular income band? $250k+, with 1,007 originations.
Applicant Debt to Income Ratio
First Technology lent most frequently to those with DTI ratios of 20-30%, with 606 originations. The next most common DTI ratio? 30-36%, with 552 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.26%
First Technology has an average approval rate.
Pick Rate
Approvals leading to origination77.02%
First Technology has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,364 | $1,279,490,000 | $380,348 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,364 | $1,279,490,000 | $380,348 |