MCT CREDIT UNION
MCT CREDIT UNION received 168 applications in 2025 and made 131 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $115,000. Of 153 decisions, 22 were denials — 14.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GV8F4RLYWAB272 |
|---|---|
| Applications received | 168 |
| Mortgages made | 131 |
| Denied | 22 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.034 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 | 45 | 6.375% | $225,000 | 6.3% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 40 | 6.250% | $105,000 | 23.1% |
| Other purposes | 41 | 6.250% | $65,000 | 12.8% |
Where MCT CREDIT UNION lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, TX | 57 | 6.250% | 19.7% |
| Orange County, TX | 42 | 6.250% | 8.7% |
| Hardin County, TX | 14 | 6.125% | 6.7% |
| Jasper County, TX | 5 | Under 10 loans | 0.0% |
| Montgomery County, TX | 4 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 0.0% |
| Newton County, TX | 2 | Under 10 loans | 50.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Lavaca County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Polk County, TX | 0 | Under 10 loans | 100.0% |
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When MCT CREDIT UNION’s figures are published for the next year, or restated.
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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.