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Intouch Credit Union

PLANO, TX

Intouch Credit Union processed 403 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 162 loans with a 36.5% denial rate. Other was the primary loan purpose. Based in PLANO, TX. The approval rate of 40.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Intouch Credit Union's 40.2% origination rate tells you how often an application turned into funded money; the 36.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (403 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

403
Applications
162
Originated
36.5%
Denial Rate
$199,293
Avg Loan Amount
Avg Interest Rate: 7.215% Avg Applicant Income: $41,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 403 162 147 $199,293

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Intouch Credit Union (LEI: 549300L7HZ4C5U35BO37) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
55
Other
46
Credit history
45
Collateral
29
Unverifiable information
4
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 163 74 $95,429
Home Improvement 100 50 $97,500
Home Purchase 90 17 $492,556
Cash-out Refinancing 30 16 $153,667
Refinancing 20 5 $303,500

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 199 46.7% 41.7%
Black or African American 61 52.5% 41.0%
Asian * 35 31.4% 45.7%
Joint * 7 71.4% 28.6%
2 or more minority races * 3 0.0% 100.0%
Native Hawaiian or Other Pacific Islander * 2 100.0% 0.0%
American Indian or Alaska Native * 1 0.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 241 47.7% 40.3%
Hispanic or Latino 55 41.8% 52.7%
Joint * 16 43.8% 31.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare Intouch Credit Union vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Intouch Credit Union process?
Intouch Credit Union processed 403 mortgage applications in the 2024 HMDA reporting year. Of these, 162 were originated (approved and funded), 32 were withdrawn by the applicant, and 147 were denied.
What is Intouch Credit Union's mortgage approval rate?
Intouch Credit Union has an approval (origination) rate of 40.2%, meaning 40.2% of all applications resulted in a funded mortgage. The denial rate is 36.5%.
What is the average loan amount at Intouch Credit Union?
The average mortgage loan amount at Intouch Credit Union is $199,293. The average interest rate is 7.215%. The average applicant income is $41,000.
What are the most common reasons for mortgage denial at Intouch Credit Union?
The most common reasons for mortgage denial at Intouch Credit Union are: Debt-to-income ratio, Other, Credit history. In total, 147 applications were denied out of 403 total applications.
What types of mortgage loans does Intouch Credit Union offer?
Intouch Credit Union processes Conventional loans. The most common type is Conventional with 403 applications and an average loan amount of $199,293.
What loan purposes does Intouch Credit Union serve?
Intouch Credit Union serves the following loan purposes: Other (163 applications), Home Improvement (100 applications), Home Purchase (90 applications), Cash-out Refinancing (30 applications), Refinancing (20 applications). Other is the most common purpose.
Where is Intouch Credit Union located?
Intouch Credit Union is headquartered in PLANO, TX. The lender is identified by LEI 549300L7HZ4C5U35BO37 in HMDA data.
How does Intouch Credit Union compare in lending across racial demographics?
Intouch Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 46.7% and denial rate of 41.7%; Black or African American applicants have an approval rate of 52.5% and denial rate of 41.0%; Asian applicants have an approval rate of 31.4% and denial rate of 45.7%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.