# MTCU

> **Canonical URL:** https://saferate.com/lenders/mtcu

> **📋 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

MTCU is a credit union, headquartered in Midland, TX, with 37 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300G5VZZVVGOY0N31
- **Headquarters:** Midland, 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

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 37
- **Dollar Volume:** $8 million
- **Applications Received:** 39
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $212,838
- **Average Borrower Income:** $130,486

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 37 | +0.000% | $2,410 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 30 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 57/100 | 30 | $6M | +0.000% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 37 | 0.01% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Midland, TX | TX | 35 | 74/100 |

## Frequently Asked Questions

### What loan types does MTCU offer?

MTCU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MTCU offer mortgages?

MTCU offers mortgages in 1 states: TX.

### What type of lender is MTCU?

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

### What is MTCU's loan approval success rate?

MTCU has a pull-through score of 40/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/mtcu

### How to Cite

> "MTCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mtcu

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