Technology Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
61st20.5% deniedPricingmedian rate spread over APOR, weight 30%
43rd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
85th6.1%Closing coststotal loan costs ÷ loan amount, weight 10%
79th2.01% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 742 | 368 | 31.7% | 34.3% | 8.25% | $94M |
| 2024 | 884 | 493 | 26.0% | 27.7% | 8.50% | $149M |
| 2025 | 1,085 | 684 | 19.3% | 20.5% | 7.50% | $347M |
What Technology Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 702 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 36 investment properties.
Why Technology Credit Union denies applications
Primary reason reported for each of the 209 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Technology Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 35 | 8 | 67.7% |
| $50k – $100k | 118 | 55 | 43.2% |
| $100k – $150k | 139 | 70 | 39.1% |
| $150k – $250k | 317 | 220 | 15.2% |
| Over $250k | 463 | 328 | 8.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 70 | 44 | 14.1% |
| 35–44 | 202 | 123 | 17.8% |
| 45–54 | 279 | 186 | 20.2% |
| 55–64 | 312 | 200 | 21.3% |
| 65–74 | 167 | 99 | 25.2% |
| Over 74 | 50 | 29 | 22.9% |
Where Technology Credit Union lends
4 states and 46 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,050 | 660 | 19.4% | 7.50% | #166 |
| Idaho | 27 | 19 | 18.5% | 7.50% | #200 |
| Texas | 7 | 5 | 0.0% | 6.00% | #1,011 |
Frequently asked questions
Technology Credit Union denied 20.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of home-equity (HELOC) lenders.
The most common reason Technology Credit Union gave in 2025 was "debt-to-income ratio", cited on 63.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Technology Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 9% of its applications were for home purchases, 33% for refinancing (including cash-out), and 59% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.