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 mid-sized 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 Las Vegas among others. We have data for 202 markets. (Some data included below & more in-depth data is available with an active subscription.)First Technology has an above 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 an average 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 about average 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) | 7.10% | 12/16/24 |
| 30 Year Conventional Purchase | 6.43% | 12/16/24 |
| 30 Year Conventional Refi | 6.35% | 12/16/24 |
| 30 Year Cash-out Refi | 6.45% | 12/16/24 |
| 15 Year Conventional Purchase | 6.23% | 12/16/24 |
| 15 Year Conventional Refi | 5.81% | 12/16/24 |
| 15 Year Cash-out Refi | 5.81% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,784Origination Dollar Volume (All Markets)
$3,087,110,000Awards
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FIRST TECHNOLOGY - 2022
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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) | 2,032 | $1,102,580,000 | $542,608 | $6,927 | 4.62% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2,357 | $656,055,000 | $278,343 | $5,448 | 4.86% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 309 | $200,625,000 | $649,272 | $8,077 | 4.43% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 271 | $163,595,000 | $603,672 | $8,202 | 4.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 28 | $54,030,000 | $1,929,643 | $5,773 | 5.08% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 137 | $51,895,000 | $378,796 | $6,087 | 4.98% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 105 | $48,645,000 | $463,286 | $8,609 | 5.03% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 204 | $47,730,000 | $233,971 | $3,735 | 4.86% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 101 | $47,255,000 | $467,871 | $4,371 | 4.70% |
| SALEM, OR (FHA|USDA|VA) | 270 | $46,120,000 | $170,815 | $3,844 | 5.07% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 116 | $38,810,000 | $334,569 | $4,581 | 4.69% |
| BOISE CITY, ID (FHA|USDA|VA) | 127 | $37,805,000 | $297,677 | $4,811 | 4.65% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 68 | $32,340,000 | $475,588 | $5,356 | 4.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 123 | $31,895,000 | $259,309 | $4,992 | 4.94% |
| FORT COLLINS, CO (FHA|USDA|VA) | 133 | $28,405,000 | $213,571 | $3,506 | 4.61% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 89 | $27,125,000 | $304,775 | $3,448 | 4.98% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 56 | $22,880,000 | $408,571 | $5,339 | 5.22% |
| Outside of Metro Areas | 63 | $20,725,000 | $328,968 | $5,645 | 4.84% |
| BEND, OR (FHA|USDA|VA) | 80 | $20,120,000 | $251,500 | $5,927 | 5.22% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 60 | $18,820,000 | $313,667 | $4,954 | 4.74% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $17,225,000 | $17,225,000 | $0 | 6.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $15,815,000 | $5,271,667 | $7,410 | 4.50% |
| Heber, UT (FHA|USDA|VA) | 8 | $15,260,000 | $1,907,500 | $8,103 | 5.59% |
| CORVALLIS, OR (FHA|USDA|VA) | 59 | $15,025,000 | $254,661 | $4,311 | 4.78% |
| STOCKTON, CA (FHA|USDA|VA) | 34 | $14,120,000 | $415,294 | $6,590 | 4.98% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 18 | $14,100,000 | $783,333 | $4,071 | 4.72% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 71 | $10,775,000 | $151,761 | $3,154 | 4.93% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 30 | $10,360,000 | $345,333 | $7,693 | 4.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 45 | $10,325,000 | $229,444 | $3,956 | 5.60% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 28 | $9,780,000 | $349,286 | $5,986 | 5.19% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 30 | $9,390,000 | $313,000 | $7,655 | 5.23% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $8,960,000 | $4,480,000 | $0 | 4.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $7,880,000 | $3,940,000 | $0 | 5.25% |
| RENO, NV (FHA|USDA|VA) | 7 | $7,545,000 | $1,077,857 | $6,982 | 4.41% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 36 | $7,500,000 | $208,333 | $3,128 | 4.49% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 21 | $7,365,000 | $350,714 | $7,048 | 5.01% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 22 | $7,000,000 | $318,182 | $4,156 | 5.28% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $6,840,000 | $3,420,000 | $1,803 | 4.44% |
| GREELEY, CO (FHA|USDA|VA) | 37 | $6,665,000 | $180,135 | $2,370 | 5.35% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 23 | $6,315,000 | $274,565 | $6,587 | 5.07% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 15 | $5,505,000 | $367,000 | $4,857 | 5.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $5,305,000 | $5,305,000 | $0 | 5.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 12 | $5,110,000 | $425,833 | $5,905 | 4.97% |
| Newport, OR (FHA|USDA|VA) | 18 | $4,950,000 | $275,000 | $5,210 | 4.99% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 25 | $4,845,000 | $193,800 | $4,346 | 4.94% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 14 | $4,670,000 | $333,571 | $4,627 | 5.46% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $4,255,000 | $1,418,333 | $4,160 | 3.83% |
| Ellensburg, WA (FHA|USDA|VA) | 8 | $4,210,000 | $526,250 | $4,630 | 5.59% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $4,125,000 | $4,125,000 | $0 | 3.75% |
| BOULDER, CO (FHA|USDA|VA) | 9 | $3,645,000 | $405,000 | $5,156 | 4.56% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $3,600,000 | $257,143 | $4,545 | 5.49% |
| Prineville, OR (FHA|USDA|VA) | 8 | $3,500,000 | $437,500 | $12,274 | 5.02% |
| Aberdeen, WA (FHA|USDA|VA) | 6 | $3,390,000 | $565,000 | $6,152 | 4.02% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $3,075,000 | $3,075,000 | $0 | 5.63% |
| SALINAS, CA (FHA|USDA|VA) | 8 | $3,040,000 | $380,000 | $9,115 | 5.77% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 10 | $2,830,000 | $283,000 | $2,553 | 5.48% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $3,041 | 5.32% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $2,635,000 | $292,778 | $14,085 | 4.85% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $2,620,000 | $655,000 | $8,977 | 4.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $2,615,000 | $174,333 | $5,237 | 5.14% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $0 | 4.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 6 | $2,460,000 | $410,000 | $8,146 | 4.96% |
| LONGVIEW, WA (FHA|USDA|VA) | 11 | $2,445,000 | $222,273 | $4,153 | 5.85% |
| AMARILLO, TX (FHA|USDA|VA) | 4 | $2,430,000 | $607,500 | $3,488 | 3.97% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $4,247 | 4.58% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $2,350,000 | $587,500 | $2,983 | 4.72% |
| Port Angeles, WA (FHA|USDA|VA) | 8 | $2,340,000 | $292,500 | $4,253 | 5.11% |
| Hood River, OR (FHA|USDA|VA) | 7 | $2,335,000 | $333,571 | $6,459 | 4.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 12 | $2,290,000 | $190,833 | $2,440 | 5.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 9 | $2,285,000 | $253,889 | $5,170 | 4.93% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $2,260,000 | $376,667 | $4,391 | 5.44% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $5,087 | 4.67% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $3,693 | 4.52% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $3,803 | 4.81% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $5,133 | 4.23% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $4,372 | 4.83% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $8,744 | 5.13% |
| Outside of Metro Areas | 3 | $1,675,000 | $558,333 | $6,977 | 4.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $15,130 | 6.83% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $16,442 | 4.88% |
| MEDFORD, OR (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $3,618 | 5.29% |
| Centralia, WA (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $11,807 | 4.28% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $4,727 | 5.08% |
| Moses Lake, WA (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $4,309 | 4.65% |
| Astoria, OR (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $6,475 | 4.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $4,817 | 4.20% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $4,150 | 4.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $3,670 | 5.78% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $7,986 | 5.84% |
| Shelton, WA (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $6,185 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $4,981 | 4.84% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $3,222 | 5.73% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 4.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,235 | 4.94% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $2,730 | 5.09% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $4,754 | 4.94% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $3,368 | 5.60% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $6,723 | 5.69% |
| Klamath Falls, OR (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $4,736 | 4.54% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 5.70% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $3,922 | 6.06% |
| MERCED, CA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $6,303 | 4.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $0 | 4.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $7,923 | 3.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 4.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $4,231 | 4.71% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $6,442 | 2.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $6,566 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $2,857 | 4.58% |
| AKRON, OH (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $0 | 6.63% |
| NAPA, CA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $0 | 6.22% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,135 | 5.08% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 4.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $1,339 | 6.28% |
| Coos Bay, OR (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $3,430 | 6.50% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,915 | 2.75% |
| REDDING, CA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,649 | 4.67% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,893 | 6.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,927 | 6.13% |
| Taos, NM (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,572 | 4.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,610 | 4.19% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,603 | 3.94% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,628 | 5.08% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,666 | 4.44% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,775 | 4.88% |
| MADERA, CA (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,534 | 7.31% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $709 | 5.50% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,151 | 6.21% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 4.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $6,029 | 4.25% |
| La Grande, OR (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,002 | 4.79% |
| Pahrump, NV (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,967 | 4.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,641 | 2.38% |
| The Dalles, OR (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,737 | 3.96% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,344 | 5.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 5.50% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,044 | 3.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 5.71% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,168 | 5.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $12,037 | 5.56% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,402 | 3.44% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,655 | 4.19% |
| Lake City, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,218 | 4.38% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 4.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,975 | 3.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,177 | 5.25% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,442 | 5.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,924 | 5.38% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,155 | 2.25% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,803 | 4.81% |
| WACO, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,797 | 3.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 5.81% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,726 | 4.31% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $3,059 | 5.21% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $130 | 5.63% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,319 | 4.75% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,818 | 4.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,628 | 6.19% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 4.42% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 4.72% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.38% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,793 | 4.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,777 | 6.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,457 | 4.38% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,405 | 5.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,812 | 3.13% |
| Pullman, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,021 | 3.88% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,817 | 4.75% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 5.00% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,801 | 5.63% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,255 | 5.38% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,876 | 3.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,766 | 5.88% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,908 | 5.63% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,883 | 4.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,350 | 5.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,476 | 5.38% |
| DOVER, DE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.75% |
| Fernley, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.13% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 4.44% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,398 | 4.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.88% |
| Montrose, CO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.25% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.00% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.38% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $40,000 | $20,000 | $0 | 3.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.63% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 5.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,001 | $2,411,815,000 | $602,803 | $5,780 | 4.32% |
| HELOC | 3,783 | $675,295,000 | $178,508 | n/a | 5.32% |
For 2022, First Technology's most frequently originated type of loan was Conventional, with 4,001 originations. Their 2nd most popular type was HELOC, with 3,783 originations.
Loan Reason
For 2022, First Technology's most frequently cited loan purpose was Home Purchase, with 3,286 originations. The 2nd most popular reason was Home Improvement, with 1,936 originations.
Loan Duration/Length
For 2022, First Technology's most frequently cited loan duration was Other, with 3,783 originations. The 2nd most popular length was 30 Year, with 3,021 originations.
Origination Fees/Closing Costs
First Technology's average total fees were $6,794, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,332 originations.
Interest Rates
During 2022, First Technology's average interest rate for loans was 4.12%, while their most frequently originated rate bucket for loans was 4-5%, with 2,295 originations.
Loan Sizing
2022 saw First Technology place emphasis on $200k-400k loans with 1,881 originations, totaling $523,945,000 in origination value.
Applicant Income
First Technology lent most frequently to those with incomes in the $150k-250k range, with 2,886 originations. The second most popular income band? $250k+, with 1,848 originations.
Applicant Debt to Income Ratio
First Technology lent most frequently to those with DTI ratios of 20-30%, with 1,584 originations. The next most common DTI ratio? 30-36%, with 1,443 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.65%
First Technology has an average approval rate.
Pick Rate
Approvals leading to origination72.97%
First Technology has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,784 | $3,087,110,000 | $396,597 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,784 | $3,087,110,000 | $396,597 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST GUARANTY MORTGAGE CORP | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |