MEMBERS CHOICE
MEMBERS CHOICE received 316 applications in 2025 and made 155 mortgages, in 33 counties across 3 states. The median rate its borrowers got was 6.990% on a median loan of $145,000. Of 235 decisions, 75 were denials — 31.9%, most often for other. 11 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493008EOM1VM8BBK206 |
|---|---|
| Applications received | 316 |
| Mortgages made | 155 |
| Denied | 75 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 81 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.972 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 | 48 | 6.495% | $345,000 | 10.9% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Cash-out refinancing | 104 | 7.240% | $105,000 | 35.2% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where MEMBERS CHOICE lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 73 | 6.990% | 38.5% |
| Fort Bend County, TX | 35 | 6.990% | 28.0% |
| Montgomery County, TX | 8 | Under 10 loans | 33.3% |
| Travis County, TX | 5 | Under 10 loans | 0.0% |
| Brazoria County, TX | 4 | Under 10 loans | 0.0% |
| Denton County, TX | 3 | Under 10 loans | 0.0% |
| Waller County, TX | 3 | Under 10 loans | 40.0% |
| Austin County, TX | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 33.3% |
| Colorado County, TX | 2 | Under 10 loans | 0.0% |
| Fayette County, TX | 2 | Under 10 loans | 0.0% |
| Grimes County, TX | 2 | Under 10 loans | 0.0% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Erath 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% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Liberty County, TX | 1 | Under 10 loans | 0.0% |
| Polk County, TX | 1 | Under 10 loans | 0.0% |
| Rockwall County, TX | 1 | Under 10 loans | 0.0% |
| Smith County, TX | 1 | Under 10 loans | 0.0% |
| Washington County, TX | 1 | Under 10 loans | 0.0% |
| Wharton County, TX | 1 | Under 10 loans | 50.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Boyd County, KY | 0 | Under 10 loans | Not published |
| Wayne County, MI | 0 | Under 10 loans | 100.0% |
| Collin County, TX | 0 | Under 10 loans | 100.0% |
| Comal County, TX | 0 | Under 10 loans | 100.0% |
| Comanche County, TX | 0 | Under 10 loans | 0.0% |
| Dallas County, TX | 0 | Under 10 loans | Not published |
| DeWitt County, TX | 0 | Under 10 loans | 100.0% |
| Jefferson County, TX | 0 | Under 10 loans | 50.0% |
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When MEMBERS CHOICE’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.