# MEMBERS TRUST OF THE SOUTHWEST FCU

> **Canonical URL:** https://saferate.com/lenders/members-trust-of-the-southwest-fcu


> **📋 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 TRUST OF THE SOUTHWEST FCU is a credit union, headquartered in Houston, TX, with 39 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300NRFBF7DSU0LE80
- **Headquarters:** Houston, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.641%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,836
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 39
- **Dollar Volume:** $8 million
- **Applications Received:** 66
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $198,077
- **Average Borrower Income:** $108,974
- **Average Property Value:** $330,128

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 39 | +0.641% | $1,836 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 25 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 14/100 | 14 | $3M | +0.297% | Mediocre 😐 |
| Refinance | 30/100 | 25 | $5M | +0.865% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 39 | 0.01% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 27 | 46/100 |
| Houston | TX | 12 | 48/100 |

## Frequently Asked Questions

### What loan types does MEMBERS TRUST OF THE SOUTHWEST FCU offer?

MEMBERS TRUST OF THE SOUTHWEST FCU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBERS TRUST OF THE SOUTHWEST FCU offer mortgages?

MEMBERS TRUST OF THE SOUTHWEST FCU offers mortgages in 1 states: TX.

### How competitive are MEMBERS TRUST OF THE SOUTHWEST FCU's mortgage rates?

MEMBERS TRUST OF THE SOUTHWEST FCU has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.641% above market average.

### What type of lender is MEMBERS TRUST OF THE SOUTHWEST FCU?

MEMBERS TRUST OF THE SOUTHWEST FCU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Houston, TX.

### What is MEMBERS TRUST OF THE SOUTHWEST FCU's loan approval success rate?

MEMBERS TRUST OF THE SOUTHWEST FCU has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-trust-of-the-southwest-fcu

### How to Cite

> "MEMBERS TRUST OF THE SOUTHWEST FCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-trust-of-the-southwest-fcu

---

**[View Interactive Profile →](https://saferate.com/lenders/members-trust-of-the-southwest-fcu)**