Members Choice of Central Texas Federal Credit Union in Texas vs the state
41.1%Denial rate+21.64 pts vs state
41.8%Decision denial rate+16.92 pts vs state
57.1%Origination rate+2.26 pts vs state
6.40%Median rate-0.10 pts vs state
0.21Rate spread (pts)+0.01 pts vs state
$98kMedian applicant income
32Loans originated
23Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 57 | 31.9% | 5.50% | #576 |
| 2024 | 52 | 27 | 46.2% | 6.40% | #678 |
| 2025 | 56 | 32 | 41.1% | 6.40% | #686 |
What Members Choice of Central Texas Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Members Choice of Central Texas Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLennan County | 44 | 24 | 19 | 43.2% |
| Falls County | 5 | 4 | 1 | 20.0% |
| Bell County | 4 | 3 | 1 | 25.0% |
| Bosque County | 2 | 1 | 1 | 50.0% |
| Hill County | 1 | 0 | 1 | 100.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 56 applications in 2025, of which 32 were originated and 23 denied.
41.1% of all applications, or 41.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Members Choice of Central Texas Federal Credit Union originated in Texas in 2025 was 6.40%, against a statewide median of 6.50%.
About this data. Figures are Members Choice of Central Texas Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology