Intouch Credit Union in Texas vs the state
29.3%Denial rate+9.83 pts vs state
34.2%Decision denial rate+9.26 pts vs state
52.1%Origination rate-2.75 pts vs state
6.49%Median rate-0.01 pts vs state
0.58Rate spread (pts)+0.38 pts vs state
$146kMedian applicant income
98Loans originated
55Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 55 | 46.1% | 8.75% | #448 |
| 2024 | 205 | 89 | 44.4% | 6.75% | #396 |
| 2025 | 188 | 98 | 29.3% | 6.49% | #425 |
What Intouch Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Intouch Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 96 | 55 | 22 | 22.9% |
| Denton County | 35 | 18 | 12 | 34.3% |
| Dallas County | 25 | 10 | 10 | 40.0% |
| Tarrant County | 8 | 4 | 3 | 37.5% |
| Ellis County | 5 | 5 | 0 | 0.0% |
| Grayson County | 4 | 1 | 3 | 75.0% |
| Parker County | 2 | 1 | 0 | 0.0% |
| Harris County | 2 | 2 | 0 | 0.0% |
| Van Zandt County | 1 | 0 | 1 | 100.0% |
| Henderson County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 188 applications in 2025, of which 98 were originated and 55 denied.
29.3% of all applications, or 34.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Intouch Credit Union originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Intouch Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology