INTOUCH CREDIT UNION
INTOUCH CREDIT UNION received 331 applications in 2025 and made 163 mortgages, in 74 counties across 25 states. The median rate its borrowers got was 6.650% on a median loan of $105,000. Of 290 decisions, 106 were denials — 36.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300L7HZ4C5U35BO37 |
|---|---|
| Applications received | 331 |
| Mortgages made | 163 |
| Denied | 106 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 89 |
| Median rate spread over the prime offer rate | 0.588 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 46.2% |
| Cash-out refinancing | 73 | 6.650% | $105,000 | 37.3% |
| Other purposes | 76 | 6.650% | $85,000 | 36.9% |
Where INTOUCH CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Collin County, TX | 55 | 6.650% | 27.2% |
| Clark County, NV | 38 | 6.650% | 37.5% |
| Denton County, TX | 18 | 6.490% | 37.5% |
| Dallas County, TX | 10 | 6.650% | 47.6% |
| Ellis County, TX | 5 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 42.9% |
| Loudoun County, VA | 4 | Under 10 loans | 0.0% |
| Oakland County, MI | 3 | Under 10 loans | 0.0% |
| Rockdale County, GA | 2 | Under 10 loans | 0.0% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 50.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| DeSoto County, MS | 1 | Under 10 loans | 50.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Nye County, NV | 1 | Under 10 loans | 50.0% |
| Montgomery County, NC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Maury County, TN | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Cooke County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 75.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Fauquier County, VA | 1 | Under 10 loans | 0.0% |
| Baldwin County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | 100.0% |
| Crittenden County, AR | 0 | Under 10 loans | 100.0% |
| Garland County, AR | 0 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 0 | Under 10 loans | 66.7% |
| Placer County, CA | 0 | Under 10 loans | 100.0% |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| Bay County, FL | 0 | Under 10 loans | 100.0% |
| Lee County, FL | 0 | Under 10 loans | Not published |
| Pinellas County, FL | 0 | Under 10 loans | 50.0% |
| Sarasota County, FL | 0 | Under 10 loans | 100.0% |
| Bartow County, GA | 0 | Under 10 loans | 100.0% |
| DeKalb County, GA | 0 | Under 10 loans | 100.0% |
| Lake County, IN | 0 | Under 10 loans | 100.0% |
| St. Joseph County, IN | 0 | Under 10 loans | 100.0% |
| Jefferson Parish, LA | 0 | Under 10 loans | 100.0% |
| Prince George's County, MD | 0 | Under 10 loans | 100.0% |
| Genesee County, MI | 0 | Under 10 loans | 100.0% |
| Park County, MT | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.