Does First Tech Federal Credit Union charge junk fees?

2% of Closing Disclosures we've analyzed for First Tech Federal Credit Union included at least one fee flagged as potentially excessive. "Junk fees" are charges that are inflated beyond what comparable lenders charge or that provide little discernible value to the borrower. Upload your Closing Disclosure for a line-by-line analysis of your specific loan. This is informational only and not financial or legal advice.

How do First Tech Federal Credit Union's fees compare to other lenders?

First Tech Federal Credit Union currently holds a grade of A on Fair Closing Check, placing them well below the national average — one of the most competitive lenders in our database. Their median closing costs of $13,362 are about 19% below the $16,418 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Can I negotiate closing costs with First Tech Federal Credit Union?

Yes — closing costs are almost always negotiable to some degree. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Fair Closing Check

First Tech Federal Credit Union

Name: Fair Closing Check — Closing Disclosure Audit
Brand: Fair Closing Check
Price: 29.00 USD
Availability: InStock

Credit Union · California · NMLS #413461

48 verified reports

Avg Closing Costs

$13,362

median across reports

vs. National Average

19%

below national avg

Avg Origination Charge

$6,430

Section A lender fee

Reports with Junk Fees

of submitted reports

Fee Breakdown

Filter by state:

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$6,430	$7,829	🟢 Below Avg
Title Insurance	$2,569	$3,110	🟢 Below Avg
Underwriting Fee	$1,227	$1,459	🟢 Below Avg
Appraisal	$869	$1,065	🟢 Below Avg
Settlement/Closing Fee	$795	$973	🟢 Below Avg
Processing Fee	$650	$777	🟢 Below Avg
Title Search	$325	$388	🟢 Below Avg
Rate Lock Fee	$306	$347	🟢 Below Avg
Recording Fee	$279	$340	🟢 Below Avg
Document Preparation	$139	$164	🟢 Below Avg
Tax Service Fee	$106	$126	🟢 Below Avg
Credit Report	$57	$68	🟢 Below Avg
Wire Transfer Fee	$55	$68	🟢 Below Avg
Courier/Delivery	$47	$58	🟢 Below Avg
Flood Certification	$20	$23	🟢 Below Avg

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Frequently Asked Questions

Based on 48 closing cost reports

Based on 48 homebuyer-submitted Closing Disclosures, First Tech Federal Credit Union's median total closing costs are $13,362. This is about 19% below the $16,418 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Related Guides

Are Closing Costs Negotiable?

Which fees you can push back on and how to do it.

What Are Junk Fees on a Mortgage?

Spot the charges that pad lender profits.

How to Read Your Closing Disclosure

Page-by-page walkthrough of the 5-page form.

Average Closing Costs by State

Benchmark your costs against the state average.

Closing Costs in California

State-specific benchmarks for California.

Compare First Tech Federal Credit Union with another lender

See how closing costs compare side-by-side