# MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/members-choice-of-central-texas-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION is a credit union, headquartered in Waco, TX, with 23 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900PZMV3V09E3HO84
- **Headquarters:** Waco, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.342%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,237
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 23
- **Dollar Volume:** $5 million
- **Applications Received:** 38
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $213,261
- **Average Borrower Income:** $147,043
- **Average Property Value:** $376,739

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 23 | -0.342% | $1,237 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 43/100 | 15 | $3M | -0.170% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 23 | 0.01% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Waco, TX | TX | 20 | 65/100 |

## Where This Lender Ranks

MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Waco, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#14** in Waco, TX
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION offer?

MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION offer mortgages?

MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION's mortgage rates?

MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.342% below market average.

### What type of lender is MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION?

MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Waco, TX.

### What is MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION's loan approval success rate?

MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/members-choice-of-central-texas-federal-credit-union

### How to Cite

> "MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-choice-of-central-texas-federal-credit-union

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