Members First Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Members First Credit Union of Corpus Christi, TX reported 104 mortgage applications totaling $16.2 million, up 8% from 2024. The average application was for $155,384, and applicants reported an average income of $99,259. 30% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Corpus Christi, TX (70), Brownsville-Harlingen, TX (12) and San Antonio-New Braunfels, TX (1) (applications in parentheses).
| Mortgage Company & Address | Members First Credit Union 5444 S. Staples Corpus Christi, TX 78411 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 104 |
| Total Mortgage Loan Application Amount | $16,160,000 |
| Average Mortgage Loan Application Amount | $155,384 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $99,259 |
| Highest Applicant Income | $408,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Members First Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Members First Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 65 | $9,045,000 | $139,000 | $1,005,000 | $95,000 | $408,000 |
| Home Purchase | 37 | $6,695,000 | $180,000 | $365,000 | $106,000 | $336,000 |
| Refinancing | 2 | $420,000 | $210,000 | $225,000 | $113,000 | $134,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 71 | $10,205,000 | $143,000 | $1,005,000 | $97,000 | $408,000 |
| White | 28 | $4,780,000 | $170,000 | $785,000 | $108,000 | $280,000 |
| Black or African American | 3 | $675,000 | $225,000 | $325,000 | $86,000 | $140,000 |
| Not Provided | 2 | $500,000 | $250,000 | $325,000 | $96,000 | $97,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 104 | $16,160,000 | $155,000 | $1,005,000 | $99,000 | $408,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 37 | $5,255,000 | $142,000 | $1,005,000 | $84,000 | $298,000 |
| Loan Originated | 31 | $5,635,000 | $181,000 | $785,000 | $119,000 | $408,000 |
| Application Approved But Not Accepted | 24 | $3,290,000 | $137,000 | $325,000 | $91,000 | $192,000 |
| Preapproval Denied by Financial Institution | 8 | $1,420,000 | $177,000 | $335,000 | $126,000 | $336,000 |
| Preapproval Approved but not Accepted | 4 | $560,000 | $140,000 | $215,000 | $89,000 | $118,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 59 | $9,485,000 | $160,000 | $785,000 | $105,000 | $408,000 |
| Debt-To-Income Ratio | 22 | $3,020,000 | $137,000 | $295,000 | $78,000 | $298,000 |
| Credit History | 16 | $2,840,000 | $177,000 | $1,005,000 | $112,000 | $336,000 |
| Collateral | 4 | $390,000 | $97,000 | $125,000 | $119,000 | $254,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 1 | $195,000 | $195,000 | $195,000 | $98,000 | $98,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $25,000 | $25,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Members First Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Members First Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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