Members Trust of the Southwest FCU in Texas vs the state
13.8%Denial rate-5.68 pts vs state
15.9%Decision denial rate-8.96 pts vs state
70.0%Origination rate+15.12 pts vs state
6.69%Median rate+0.19 pts vs state
0.58Rate spread (pts)+0.38 pts vs state
$92kMedian applicant income
56Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 21 | 16.7% | 6.63% | #783 |
| 2024 | 93 | 55 | 17.2% | 7.00% | #570 |
| 2025 | 80 | 56 | 13.8% | 6.69% | #607 |
What Members Trust of the Southwest FCU lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Members Trust of the Southwest FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erath County | 38 | 28 | 1 | 2.6% |
| Harris County | 21 | 12 | 6 | 28.6% |
| Comanche County | 7 | 6 | 1 | 14.3% |
| Hood County | 3 | 3 | 0 | 0.0% |
| Bosque County | 3 | 1 | 1 | 33.3% |
| Coryell County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Bell County | 1 | 1 | 0 | 0.0% |
| Palo Pinto County | 1 | 1 | 0 | 0.0% |
| Eastland 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: 80 applications in 2025, of which 56 were originated and 11 denied.
13.8% of all applications, or 15.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Members Trust of the Southwest FCU originated in Texas in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Members Trust of the Southwest FCU'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