What loan types does Member Advantage Mortgage offer?

Member Advantage Mortgage offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Member Advantage Mortgage offer mortgages?

Member Advantage Mortgage offers mortgages in 10 states: CT, FL, GA, LA, MA, MD, NH, OK, PA, VA.

How competitive are Member Advantage Mortgage's mortgage rates?

Member Advantage Mortgage has an overall pricing score of 40.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Member Advantage Mortgage?

Member Advantage Mortgage is a Independent Mortgage Company headquartered in LANSING, MI.

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Member Advantage Mortgage

Independent Mortgage Company•Lansing, MIHQ•Direct•Reviews near you on Google

Member Advantage Mortgage has 182 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

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Multi-Region · 5 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

Member Advantage Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+2.8 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

152 loans · 0.00% above market

Sound

Top 60% of lenders

3/5

FHA

12 loans · 0.54% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

162 loans · 0.02% below market

Sound

Top 60% of lenders

3/5

Refinance

20 loans · 0.42% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	152	83.5%	+0.003%Above	$3,092Fees
FHA Loans	Acceptable	Acceptable	—	Acceptable	12	6.6%	+0.542%Above	$2,146Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume152

Mix83.5%

Spread

+0.003%Above

Fees

$3,092Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume12

Mix6.6%

Spread

+0.542%Above

Fees

$2,146Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	162	89.0%	-0.019%Below	$2,883Fees
Refinance	Acceptable	Acceptable	—	Acceptable	20	11.0%	+0.421%Above	$3,405Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume162

Mix89.0%

Spread

-0.019%Below

Fees

$2,883Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume20

Mix11.0%

Spread

+0.421%Above

Fees

$3,405Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

182

Applications

363

Volume

$60 million

Pricing & Closing

Avg Rate Spread

+0.028%

vs. market APOR

Avg Net Fees

$2,938

Origination − Credits

Pullthrough Rate

50.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$333,516

Avg Borrower Income

$147,456

Avg Property Value

$422,624

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

10Full-year 2024 · HMDA

Loans originated

< 2020–5050+None

Northeast4

CTMANHPA

South6

FLGALAMDOKVA

Top Metro Areas by Place Specialization Score

Amherst Town, MAMetro

Volume 40Mix 21.98% of portfolio

79/100

Strong

Springfield, MAMetro

Volume 22Mix 12.09% of portfolio

58/100

Sound

Worcester, MAMetro

Volume 20Mix 10.99% of portfolio

57/100

Sound

Pittsburgh, PAMetro

Volume 14Mix 7.69% of portfolio

49/100

Sound

Richmond, VAMetro

Volume 13Mix 7.14% of portfolio

48/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 117Mix 64.29% of portfolio

70/100

Strong

VirginiaState

Volume 30Mix 16.48% of portfolio

54/100

Sound

PennsylvaniaState

Volume 20Mix 10.99% of portfolio

48/100

Sound

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.