MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION
MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION received 56 applications in 2025 and made 32 mortgages, in 5 counties across 1 state. The median rate its borrowers got was 6.400% on a median loan of $180,000. Of 55 decisions, 23 were denials — 41.8%, most often for other.
| Legal Entity Identifier | 254900PZMV3V09E3HO84 |
|---|---|
| Applications received | 56 |
| Mortgages made | 32 |
| Denied | 23 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.205 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 10 | 6.275% | $195,000 | 37.5% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Cash-out refinancing | 14 | 6.650% | $90,000 | 51.7% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McLennan County, TX | 24 | 6.400% | 44.2% |
| Falls County, TX | 4 | Under 10 loans | 20.0% |
| Bell County, TX | 3 | Under 10 loans | 25.0% |
| Bosque County, TX | 1 | Under 10 loans | 50.0% |
| Hill County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.