Members Choice in Texas vs the state
23.6%Denial rate+4.14 pts vs state
31.6%Decision denial rate+6.72 pts vs state
49.4%Origination rate-5.52 pts vs state
6.99%Median rate+0.49 pts vs state
0.97Rate spread (pts)+0.78 pts vs state
$121kMedian applicant income
155Loans originated
74Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 313 | 174 | 15.3% | 6.00% | #319 |
| 2024 | 288 | 154 | 15.6% | 6.99% | #327 |
| 2025 | 314 | 155 | 23.6% | 6.99% | #329 |
What Members Choice lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Members Choice applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 155 | 73 | 47 | 30.3% |
| Fort Bend County | 71 | 35 | 14 | 19.7% |
| Montgomery County | 14 | 8 | 4 | 28.6% |
| Waller County | 9 | 3 | 2 | 22.2% |
| Travis County | 7 | 5 | 0 | 0.0% |
| Brazoria County | 4 | 4 | 0 | 0.0% |
| Austin County | 4 | 2 | 0 | 0.0% |
| Denton County | 4 | 3 | 0 | 0.0% |
| Jefferson County | 3 | 0 | 1 | 33.3% |
| Bexar County | 3 | 2 | 1 | 33.3% |
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: 314 applications in 2025, of which 155 were originated and 74 denied.
23.6% of all applications, or 31.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Members Choice originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Members Choice'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