Datcu at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
5th34.9% deniedPricingmedian rate spread over APOR, weight 30%
13th0.92 ptsProcesswithdrawn + incomplete share, weight 15%
12th23.5%Closing coststotal loan costs ÷ loan amount, weight 10%
19th3.02% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 723 | 369 | 31.3% | 38.0% | 7.00% | $46M |
| 2024 | 669 | 367 | 26.2% | 32.3% | 7.50% | $59M |
| 2025 | 735 | 366 | 26.7% | 34.9% | 7.00% | $72M |
What Datcu 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: 124 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Why Datcu denies applications
Primary reason reported for each of the 196 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Datcu
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 48 | 10 | 64.3% |
| $50k – $100k | 197 | 101 | 38.4% |
| $100k – $150k | 200 | 117 | 27.3% |
| $150k – $250k | 202 | 104 | 32.0% |
| Over $250k | 83 | 34 | 37.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 88 | 44 | 34.3% |
| 35–44 | 184 | 90 | 36.6% |
| 45–54 | 191 | 107 | 31.0% |
| 55–64 | 154 | 67 | 42.2% |
| 65–74 | 81 | 41 | 28.1% |
| Over 74 | 34 | 16 | 33.3% |
Where Datcu lends
1 states and 35 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 735 | 366 | 26.7% | 7.00% | #204 |
Frequently asked questions
Datcu denied 34.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 5th percentile of small mortgage lenders.
The most common reason Datcu gave in 2025 was "incomplete application", cited on 33.7% 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 Datcu originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.92 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 81% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.