TTCU Federal 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 B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
72nd18.1% deniedPricingmedian rate spread over APOR, weight 30%
51st0.11 ptsProcesswithdrawn + incomplete share, weight 15%
77th7.8%Closing coststotal loan costs ÷ loan amount, weight 10%
30th3.96% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,327 | 760 | 16.7% | 19.3% | 7.88% | $101M |
| 2024 | 1,606 | 939 | 19.7% | 22.4% | 7.75% | $108M |
| 2025 | 1,419 | 993 | 16.7% | 18.1% | 6.88% | $129M |
What TTCU Federal 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: 876 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 5 investment properties.
Why TTCU Federal Credit Union denies applications
Primary reason reported for each of the 237 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at TTCU Federal 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 | 183 | 98 | 33.7% |
| $50k – $100k | 531 | 359 | 20.8% |
| $100k – $150k | 353 | 268 | 12.5% |
| $150k – $250k | 245 | 193 | 8.5% |
| Over $250k | 88 | 64 | 13.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 208 | 140 | 13.6% |
| 35–44 | 337 | 235 | 19.4% |
| 45–54 | 315 | 210 | 22.0% |
| 55–64 | 259 | 191 | 18.9% |
| 65–74 | 195 | 145 | 15.6% |
| Over 74 | 91 | 63 | 14.6% |
Where TTCU Federal Credit Union lends
4 states and 45 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
TTCU Federal Credit Union denied 18.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of home-equity (HELOC) lenders.
The most common reason TTCU Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 44.7% 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 TTCU Federal Credit Union originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 11% for refinancing (including cash-out), and 72% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% 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.