Members Choice at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
31st15.0% deniedProcesswithdrawn + incomplete share, weight 15%
40th13.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 247 | 181 | 19.0% | 20.4% | 6.25% | $19M |
| 2024 | 194 | 147 | 17.5% | 18.8% | 7.50% | $25M |
| 2025 | 248 | 167 | 12.9% | 15.0% | — | $31M |
What Members Choice lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 21 manufactured homes, 41 investment properties.
Who gets approved at Members Choice
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 42 | 23 | 30.6% |
| $50k – $100k | 92 | 55 | 19.2% |
| $100k – $150k | 53 | 39 | 4.4% |
| $150k – $250k | 22 | 14 | 21.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 53 | 38 | 13.0% |
| 35–44 | 36 | 22 | 20.6% |
| 45–54 | 51 | 36 | 13.6% |
| 55–64 | 36 | 19 | 21.4% |
Where Members Choice lends
5 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 209 | 140 | 12.9% | — | #142 |
| Ohio | 32 | 21 | 15.6% | — | #462 |
| West Virginia | 5 | 4 | 0.0% | — | #328 |
Frequently asked questions
Members Choice denied 15.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of small mortgage lenders.
In 2025, 43% of its applications were for home purchases, 40% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.