MEMBERS TRUST OF THE SOUTHWEST FCU
MEMBERS TRUST OF THE SOUTHWEST FCU received 80 applications in 2025 and made 56 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.688% on a median loan of $140,000. Of 69 decisions, 11 were denials — 15.9%, most often for credit application incomplete.
| Legal Entity Identifier | 549300NRFBF7DSU0LE80 |
|---|---|
| Applications received | 80 |
| Mortgages made | 56 |
| Denied | 11 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5775 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 | 13 | 6.375% | $265,000 | 7.1% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 36 | 6.875% | $110,000 | 19.2% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where MEMBERS TRUST OF THE SOUTHWEST FCU lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Erath County, TX | 28 | 6.500% | 3.2% |
| Harris County, TX | 12 | 7.125% | 33.3% |
| Comanche County, TX | 6 | Under 10 loans | 14.3% |
| Hood County, TX | 3 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Bosque County, TX | 1 | Under 10 loans | 50.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Coryell County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 0 | Under 10 loans | 100.0% |
| Eastland County, TX | 0 | Under 10 loans | 100.0% |
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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.