FIRST TECHNOLOGY FEDERAL CREDIT UNION
4,168 mortgages originated in 2025 across 9 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,168
- Median rate
- 7.375%
- Median lender fees
- $4,346
- Median loan amount
- $225,000
- Median spread over APOR
- 0.410
- Paid discount points
- 14.9%
- Received lender credits
- 19%
- Purchases / refinances
- 26.2% / 27.5%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 40.1% of loans here — see methodology.
Where FIRST TECHNOLOGY FEDERAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Oregon | 1,545 | $4,286 | 7.375% |
| Washington | 857 | $4,654 | 7.125% |
| California | 824 | $4,213 | 7.500% |
| Colorado | 174 | $2,518 | 7.375% |
| Arizona | 110 | — | 7.625% |
| Texas | 97 | $5,184 | 6.750% |
| Idaho | 92 | — | 7.313% |
| Florida | 66 | — | 7.750% |
| Georgia | 63 | — | 7.500% |