Applications / Mortgage Analytics / Lenders / Texas / Intouch Credit Union
Plano, TX · Credit union · NCUA · $818 million assets · 163 loans in 2025
Intouch Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
163
loans originated, 2025
331
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Intouch Credit Union hardly lends to home buyers. It refinances, finances improvements and buys loans, across 15 states, and in 2025 it bought 89 loans, more than nearly all similar credit unions.
Home purchase made up 5.5% of its loans; refinancing was 47.9%, home improvement 27.6% and other purposes 19.0%. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans). All its loans were conventional and none was jumbo.
It bought 89 loans, up from 54, while similar credit unions typically bought none. Buying loans lets a credit union lend beyond what it originates itself.
Its loans reach 15 states and 20 metros, though it ranks 363 of 1,026 in Dallas-Fort Worth-Arlington. Neighborhoods where most residents belong to minorities took 46.0% of its loans, against 10.6%. Borrowers with low or moderate incomes (LMI) took 17.2% and LMI neighborhoods 9.8%, both lower than at more than four in five similar lenders. Lending mostly to existing owners, for refinancing and improvements, is one possible reason.
It made 163 loans, up 1%, against 8% at similar lenders, and well below the 317 of 2018. Its typical rate, 6.65%, was near the middle. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.3% at its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Intouch Credit Union took 331 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.9% · Home improvement 27.6% · Other 19.0% · Purchase 5.5%
Conventional 100.0% · of 163 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 98 | 60.1% |
| Nevada | 39 | 23.9% |
| Michigan | 5 | 3.1% |
| Virginia | 5 | 3.1% |
| Florida | 3 | 1.8% |
| California | 2 | 1.2% |
| Georgia | 2 | 1.2% |
| Tennessee | 2 | 1.2% |
| Arizona | 1 | 0.6% |
| Colorado | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 88 |
| Las Vegas-Henderson-North Las Vegas | 38 |
| Arlington-Alexandria-Reston | 5 |
| Fort Worth-Arlington-Grapevine | 5 |
| Warren-Troy-Farmington Hills | 5 |
| Houston-Pasadena-The Woodlands | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Memphis | 2 |
| Baltimore-Columbia-Towson | 1 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L7HZ4C5U35BO37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 74887 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568505 | 2003–2017 |
Established 1 January 1974. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Intouch Credit Union's data.
Intouch Credit Union's data
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Intouch Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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