Applications / Mortgage Analytics / Lenders / Texas / Members Choice Credit Union
Houston, TX · Credit union · NCUA · $725 million assets · 155 loans in 2025
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155
loans originated, 2025
344
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Choice Credit Union, a Houston lender, mostly refinances homes, and most of its loans are in majority-minority neighborhoods.
Refinances made up 68.4% of its loans and purchases 31.0%. All were conventional, and none was higher-priced (a rate well above the average for similar loans), against 2.5% at similar lenders (credit unions making between half and twice as many loans). Its typical loan, $145,000, was larger than at about three in four of them, whose typical loan was $105,000.
Majority-minority areas took 61.9% of its loans, down from 68.2% in 2024, against 9.9% at peers, higher than at about nine in ten. The make-up of the Houston area, its largest market, is a possible reason.
Low- and moderate-income (LMI) borrowers took 19.4% of its loans, up from 11.0% in 2024 but lower than at about four in five peers, whose typical share was 28.9%. Its larger loans and its reliance on refinancing are possible reasons. Poorer neighborhoods (LMI tracts) took 14.8%, against 17.3%.
Its 155 loans matched 2024, while peers grew 8%; in 2018 it made 283. In Houston-Pasadena-The Woodlands, TX, where it has lent since 1992, it ranks 254 of 929 lenders with 0.1% of the market. United Wholesale Mortgage leads.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members Choice Credit Union took 344 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 68.4% · Purchase 31.0% · Other 0.6%
Conventional 100.0% · of 155 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 155 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 127 |
| Austin-Round Rock-San Marcos | 7 |
| Dallas-Plano-Irving | 5 |
| Fort Worth-Arlington-Grapevine | 3 |
| San Antonio-New Braunfels | 2 |
| Tyler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008EOM1VM8BBK206 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 837596 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567508 | 1992–2017 |
Established 1 January 1941. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Members Choice Credit Union's data.
Members Choice Credit Union's data
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Members Choice Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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