# MEMBERS CHOICE

> **Canonical URL:** https://saferate.com/lenders/members-choice-tx


> **📋 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 is a credit union, headquartered in Houston, TX, with 74 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493008EOM1VM8BBK206
- **Headquarters:** Houston, 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: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.061%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,097
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 74
- **Dollar Volume:** $21 million
- **Applications Received:** 149
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $285,541
- **Average Borrower Income:** $160,162
- **Average Property Value:** $442,838

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 73 | +0.051% | $3,007 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 42 loans, Score: 24/100 (Acceptable)
- Refinance: 31 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 42 | $16M | -0.360% | Acceptable 🙂 |
| Refinance | 39/100 | 32 | $5M | +0.651% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 74 | 0.02% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 69 | 68/100 |

## Frequently Asked Questions

### What loan types does MEMBERS CHOICE offer?

MEMBERS CHOICE 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 offer mortgages?

MEMBERS CHOICE offers mortgages in 1 states: TX.

### How competitive are MEMBERS CHOICE's mortgage rates?

MEMBERS CHOICE has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.061% above market average.

### What type of lender is MEMBERS CHOICE?

MEMBERS CHOICE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Houston, TX.

### What is MEMBERS CHOICE's loan approval success rate?

MEMBERS CHOICE has a pull-through score of 27/100 (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-tx

### How to Cite

> "MEMBERS CHOICE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-choice-tx

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