MEMBERS CHOICE
MEMBERS CHOICE received 248 applications in 2025 and made 167 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 214 decisions, 32 were denials — 15.0%.
| Legal Entity Identifier | 549300VI8UYZW0WTE611 |
|---|---|
| Applications received | 248 |
| Mortgages made | 167 |
| Denied | 32 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 80 | Not published | $165,000 | 5.5% |
| Refinancing | 58 | Not published | $140,000 | 26.1% |
| Other purposes | 29 | Not published | $55,000 | 11.4% |
Where MEMBERS CHOICE lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Boyd County, KY | 59 | Not published | 12.2% |
| Greenup County, KY | 56 | Not published | 14.3% |
| Lawrence County, OH | 17 | Not published | 16.7% |
| Carter County, KY | 12 | Not published | 31.6% |
| Lawrence County, KY | 5 | Under 10 loans | 0.0% |
| Madison County, KY | 3 | Under 10 loans | 0.0% |
| Scioto County, OH | 3 | Under 10 loans | 25.0% |
| Cabell County, WV | 2 | Under 10 loans | 0.0% |
| Wayne County, WV | 2 | Under 10 loans | 0.0% |
| Bourbon County, KY | 1 | Under 10 loans | 0.0% |
| Franklin County, KY | 1 | Under 10 loans | 0.0% |
| Laurel County, KY | 1 | Under 10 loans | 0.0% |
| Montgomery County, KY | 1 | Under 10 loans | 0.0% |
| Pike County, KY | 1 | Under 10 loans | 0.0% |
| Hardin County, OH | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Union County, TN | 1 | Under 10 loans | 0.0% |
| Elliott County, KY | 0 | Under 10 loans | Not published |
| Lewis County, KY | 0 | Under 10 loans | 100.0% |
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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.