TELCOMM 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%
15th22.8% deniedProcesswithdrawn + incomplete share, weight 15%
50th11.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 77 | 67 | 11.7% | 11.8% | — | $5.2M |
| 2024 | 75 | 74 | 0.0% | 0.0% | — | $7.0M |
| 2025 | 233 | 159 | 20.2% | 22.8% | — | $13M |
What TELCOMM 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, 6 manufactured homes, 1 investment properties.
Who gets approved at TELCOMM 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 | 56 | 39 | 20.4% |
| $50k – $100k | 76 | 56 | 18.8% |
| $100k – $150k | 54 | 35 | 23.9% |
| $150k – $250k | 29 | 26 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 12 | 47.8% |
| 35–44 | 42 | 25 | 32.4% |
| 45–54 | 49 | 36 | 23.4% |
| 55–64 | 49 | 34 | 15.0% |
| 65–74 | 42 | 34 | 12.8% |
| Over 74 | 22 | 17 | 10.5% |
Where TELCOMM Credit Union lends
2 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 231 | 159 | 20.4% | — | #166 |
Frequently asked questions
TELCOMM Credit Union denied 22.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
In 2025, 3% of its applications were for home purchases, 97% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% 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.