What loan types does Members Choice offer?

Members Choice offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Members Choice offer mortgages?

Members Choice offers mortgages in 1 states: TX.

How competitive are Members Choice's mortgage rates?

Members Choice has an overall pricing score of 41.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Members Choice?

Members Choice is a Credit Union headquartered in Houston, TX.

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Members Choice

Credit Union•Houston, TXHQ•Direct•Reviews near you on Google

Members Choice has 74 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Members Choice performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+6.1 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

73 loans · 0.05% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

42 loans · 0.36% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

32 loans · 0.65% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Acceptable	73	98.6%	+0.051%Above	$3,007Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume73

Mix98.6%

Spread

+0.051%Above

Fees

$3,007Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Mediocre	42	56.8%	-0.360%Below	$4,056Fees
Refinance	Acceptable	Acceptable	Sound	Acceptable	32	43.2%	+0.651%Above	$1,755Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume42

Mix56.8%

Spread

-0.360%Below

Fees

$4,056Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume32

Mix43.2%

Spread

+0.651%Above

Fees

$1,755Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

149

Volume

$21 million

Pricing & Closing

Avg Rate Spread

+0.061%

vs. market APOR

Avg Net Fees

$3,097

Origination − Credits

Pullthrough Rate

49.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$285,541

Avg Borrower Income

$160,162

Avg Property Value

$442,838

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 69Mix 93.24% of portfolio

68/100

Strong

Top States by Place Specialization Score

TexasState

Volume 74Mix 100.00% of portfolio

63/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.