Intouch Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Intouch Credit Union of Plano, TX reported 665 mortgage applications totaling $107.3 million, up 44% from 2017. The average application was for $161,330, and applicants reported an average income of $121,200. 48% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Dallas-Plano-Irving, TX (357), Las Vegas-Henderson-Paradise, NV (121) and Warren-Troy-Farmington Hills, MI (26) (applications in parentheses).
| Mortgage Company & Address | Intouch Credit Union P O Box 250169 Plano, TX 75025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 665 |
| Total Mortgage Loan Application Amount | $107,285,000 |
| Average Mortgage Loan Application Amount | $161,330 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $121,200 |
| Highest Applicant Income | $760,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Intouch Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 357 | $ 66,275,000 | $ 185,644 | $ 125,000 |
| Las Vegas-Henderson-Paradise, NV | 121 | $ 10,595,000 | $ 87,561 | $ 75,000 |
| Warren-Troy-Farmington Hills, MI | 26 | $ 3,170,000 | $ 121,923 | $ 130,000 |
| Outside any metro area | 23 | $ 3,065,000 | $ 133,260 | $ 146,347 |
| Fort Worth-Arlington, TX | 22 | $ 5,090,000 | $ 231,363 | $ 144,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 3,725,000 | $ 177,380 | $ 173,904 |
| Memphis, TN-MS-AR | 9 | $ 635,000 | $ 70,555 | $ 83,444 |
| Charleston-North Charleston, SC | 5 | $ 1,045,000 | $ 209,000 | $ 192,000 |
| Sherman-Denison, TX | 5 | $ 955,000 | $ 191,000 | $ 172,000 |
| Austin-Round Rock, TX | 4 | $ 980,000 | $ 245,000 | $ 179,000 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 890,000 | $ 222,500 | $ 160,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 790,000 | $ 197,500 | $ 144,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,130,000 | $ 282,500 | $ 158,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 305,000 | $ 101,666 | $ 187,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 295,000 | $ 98,333 | $ 160,000 |
| San Antonio-New Braunfels, TX | 3 | $ 625,000 | $ 208,333 | $ 83,000 |
| San Diego-Carlsbad, CA | 3 | $ 445,000 | $ 148,333 | $ 134,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 425,000 | $ 141,666 | $ 63,000 |
| Athens-Clarke County, GA | 2 | $ 300,000 | $ 150,000 | $ 140,000 |
| New Orleans-Metairie, LA | 2 | $ 320,000 | $ 160,000 | $ 284,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 80,000 | $ 40,000 | $ 212,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,260,000 | $ 630,000 | $ 374,000 |
| Winchester, VA-WV | 2 | $ 70,000 | $ 35,000 | $ 100,000 |
| Baton Rouge, LA | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Boise City, ID | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| Colorado Springs, CO | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Columbus, OH | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 269,000 |
| Flagstaff, AZ | 1 | $ 85,000 | $ 85,000 | $ 123,000 |
| Florence, SC | 1 | $ 5,000 | $ 5,000 | $ 11,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Harrisburg-Carlisle, PA | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 55,000 | $ 55,000 | $ 156,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Lubbock, TX | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 365,000 | $ 365,000 | $ 127,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 25,000 | $ 25,000 | $ 173,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 575,000 | $ 575,000 | $ 94,000 |
| Philadelphia, PA | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| Port St. Lucie, FL | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Prescott, AZ | 1 | $ 135,000 | $ 135,000 | $ 170,000 |
| Raleigh, NC | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Rochester, NY | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Salisbury, MD-DE | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Santa Fe, NM | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 115,000 | $ 115,000 | $ 284,000 |
| Tuscaloosa, AL | 1 | $ 55,000 | $ 55,000 | $ 122,000 |
| Waco, TX | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| Winston-Salem, NC | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| York-Hanover, PA | 1 | $ 55,000 | $ 55,000 | $ 170,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Intouch Credit Union in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 191 | $53,915,000 | $282,000 | $1,195,000 | $135,000 | $682,000 |
| Other Purpose | 150 | $7,360,000 | $49,000 | $285,000 | $107,000 | $503,000 |
| Home Improvement | 143 | $7,385,000 | $51,000 | $205,000 | $111,000 | $394,000 |
| Cash-out Refinancing | 103 | $23,595,000 | $229,000 | $995,000 | $120,000 | $374,000 |
| Refinancing | 78 | $15,030,000 | $192,000 | $1,505,000 | $135,000 | $760,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 330 | $59,280,000 | $179,000 | $1,505,000 | $123,000 | $560,000 |
| Not Provided | 166 | $25,290,000 | $152,000 | $1,105,000 | $135,000 | $760,000 |
| Black or African American | 68 | $7,330,000 | $107,000 | $345,000 | $102,000 | $372,000 |
| Hispanic | 60 | $7,440,000 | $124,000 | $575,000 | $90,000 | $229,000 |
| Asian | 28 | $6,030,000 | $215,000 | $585,000 | $133,000 | $276,000 |
| American Indian or Alaskan Native | 4 | $950,000 | $237,000 | $565,000 | $141,000 | $257,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $570,000 | $142,000 | $305,000 | $111,000 | $193,000 |
| Not applicable | 1 | $25,000 | $25,000 | $25,000 | $55,000 | $55,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 662 | $106,640,000 | $161,000 | $1,505,000 | $121,000 | $760,000 |
| VA-guaranteed (Veterans Administration) | 2 | $490,000 | $245,000 | $305,000 | $84,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $37,000 | $37,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 317 | $64,945,000 | $204,000 | $1,505,000 | $127,000 | $682,000 |
| Application Denied By Financial Institution | 186 | $18,160,000 | $97,000 | $995,000 | $113,000 | $760,000 |
| Application Withdrawn By Applicant | 130 | $21,700,000 | $166,000 | $655,000 | $122,000 | $491,000 |
| Application Approved But Not Accepted | 29 | $1,485,000 | $51,000 | $165,000 | $97,000 | $295,000 |
| File Closed For Incompleteness | 3 | $995,000 | $331,000 | $455,000 | $184,000 | $208,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 479 | $89,125,000 | $186,000 | $1,505,000 | $124,000 | $682,000 |
| Credit History | 52 | $6,330,000 | $121,000 | $395,000 | $121,000 | $760,000 |
| Other | 50 | $3,250,000 | $65,000 | $325,000 | $133,000 | $503,000 |
| Debt-To-Income Ratio | 41 | $4,975,000 | $121,000 | $455,000 | $76,000 | $284,000 |
| Collateral | 37 | $2,695,000 | $72,000 | $995,000 | $116,000 | $256,000 |
| Credit Application Incomplete | 2 | $230,000 | $115,000 | $185,000 | $109,000 | $178,000 |
| Unverifiable Information | 2 | $370,000 | $185,000 | $245,000 | $45,000 | $45,000 |
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $224,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $69,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Intouch Credit Union's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Intouch Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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