First Technology Federal Credit Union in Texas vs the state
17.3%Denial rate-2.09 pts vs state
21.0%Decision denial rate-3.92 pts vs state
56.1%Origination rate+1.19 pts vs state
6.75%Median rate+0.25 pts vs state
0.16Rate spread (pts)-0.03 pts vs state
$176kMedian applicant income
97Loans originated
30Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 186 | 112 | 22.0% | 6.88% | #417 |
| 2024 | 192 | 97 | 26.6% | 7.00% | #410 |
| 2025 | 173 | 97 | 17.3% | 6.75% | #444 |
What First Technology Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 66 | 39 | 8 | 12.1% |
| Montgomery County | 29 | 19 | 5 | 17.2% |
| Fort Bend County | 18 | 11 | 2 | 11.1% |
| Travis County | 14 | 8 | 2 | 14.3% |
| Collin County | 9 | 2 | 4 | 44.4% |
| Williamson County | 9 | 5 | 1 | 11.1% |
| Dallas County | 4 | 2 | 1 | 25.0% |
| Denton County | 3 | 0 | 0 | 0.0% |
| Bexar County | 3 | 1 | 1 | 33.3% |
| Grayson County | 2 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 173 applications in 2025, of which 97 were originated and 30 denied.
17.3% of all applications, or 21.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Technology Federal Credit Union originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are First Technology Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology