Intouch Credit Union in California vs the state
37.5%Denial rate+20.08 pts vs state
50.0%Decision denial rate+27.60 pts vs state
25.0%Origination rate-31.20 pts vs state
6.83%Median rate+0.20 pts vs state
0.50Rate spread (pts)+0.22 pts vs state
$185kMedian applicant income
2Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 3 | 12.5% | 9.40% | #765 |
| 2024 | 7 | 5 | 14.3% | 6.65% | #762 |
| 2025 | 8 | 2 | 37.5% | 6.83% | #753 |
What Intouch Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Intouch Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 4 | 0 | 2 | 50.0% |
| San Diego County | 1 | 0 | 0 | 0.0% |
| Placer County | 1 | 0 | 1 | 100.0% |
| Alameda County | 1 | 1 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 8 applications in 2025, of which 2 were originated and 3 denied.
37.5% of all applications, or 50.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Intouch Credit Union originated in California in 2025 was 6.83%, against a statewide median of 6.63%.
About this data. Figures are Intouch Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology