First Technology Federal Credit Union in California vs the state
13.5%Denial rate-3.90 pts vs state
15.3%Decision denial rate-7.07 pts vs state
64.8%Origination rate+8.58 pts vs state
7.50%Median rate+0.88 pts vs state
0.41Rate spread (pts)+0.13 pts vs state
$220kMedian applicant income
824Loans originated
172Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 879 | 478 | 19.2% | 8.50% | #147 |
| 2024 | 915 | 541 | 20.9% | 8.50% | #166 |
| 2025 | 1,272 | 824 | 13.5% | 7.50% | #146 |
What First Technology Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 219 | 140 | 29 | 13.2% |
| Los Angeles County | 179 | 116 | 31 | 17.3% |
| San Diego County | 142 | 105 | 13 | 9.2% |
| Alameda County | 97 | 58 | 13 | 13.4% |
| Placer County | 87 | 49 | 12 | 13.8% |
| Orange County | 73 | 53 | 8 | 11.0% |
| Sacramento County | 59 | 33 | 12 | 20.3% |
| Contra Costa County | 55 | 37 | 8 | 14.5% |
| Riverside County | 47 | 29 | 10 | 21.3% |
| San Mateo County | 39 | 25 | 7 | 17.9% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,272 applications in 2025, of which 824 were originated and 172 denied.
13.5% of all applications, or 15.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First Technology Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are First Technology Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology