Intouch 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 D 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%
4th36.6% deniedPricingmedian rate spread over APOR, weight 30%
25th0.59 ptsProcesswithdrawn + incomplete share, weight 15%
46th12.4%Closing coststotal loan costs ÷ loan amount, weight 10%
96th0.38% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 298 | 111 | 40.6% | 45.8% | 9.05% | $11M |
| 2024 | 349 | 162 | 42.1% | 47.4% | 6.75% | $22M |
| 2025 | 331 | 163 | 32.0% | 36.6% | 6.65% | $22M |
What Intouch 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 4 investment properties.
Why Intouch Credit Union denies applications
Primary reason reported for each of the 106 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Intouch 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 | 21 | 5 | 76.2% |
| $50k – $100k | 92 | 32 | 53.5% |
| $100k – $150k | 81 | 53 | 23.9% |
| $150k – $250k | 93 | 49 | 22.7% |
| Over $250k | 44 | 24 | 27.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 71 | 30 | 40.4% |
| 45–54 | 87 | 56 | 28.9% |
| 55–64 | 91 | 41 | 38.3% |
| 65–74 | 58 | 24 | 40.8% |
Where Intouch Credit Union lends
23 states and 66 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Intouch Credit Union denied 36.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
The most common reason Intouch Credit Union gave in 2025 was "credit history", cited on 36.8% 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 Intouch Credit Union originated in 2025 was 6.65%, and its median rate spread over the average prime offer rate was 0.59 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 7% of its applications were for home purchases, 49% for refinancing (including cash-out), and 44% 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.