Member First Mortgage
We analyzed every closed loan from Member First Mortgage — 1.0k loans across 2k applications— and benchmarked them against peer lenders 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
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 20 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Member First Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+23.4 bps above market avg
3/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
701 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
FHA
234 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
VA
40 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
Jumbo
26 loans · 0.26% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
762 loans · 0.24% above market
Sound
Top 60% of lenders
3/5
Refinance
248 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 21 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 | 701 | 69.4% | +0.128%Above | $2,383Fees | ||||
FHA Loans | 234 | 23.2% | +0.596%Above | $1,997Fees | ||||
VA Loans | 40 | 4.0% | +0.256%Above | $1,478Fees | ||||
Jumbo Loans | 26 | 2.6% | -0.263%Below | $2,746Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume701
Mix69.4%
Spread
+0.128%Above
Fees
$2,383Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume234
Mix23.2%
Spread
+0.596%Above
Fees
$1,997Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume40
Mix4.0%
Spread
+0.256%Above
Fees
$1,478Fees
Jumbo Loans
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume26
Mix2.6%
Spread
-0.263%Below
Fees
$2,746Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 762 | 75.4% | +0.240%Above | $2,322Fees | ||||
Refinance | 248 | 24.6% | +0.219%Above | $2,116Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume762
Mix75.4%
Spread
+0.240%Above
Fees
$2,322Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughAcceptable
Volume248
Mix24.6%
Spread
+0.219%Above
Fees
$2,116Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,010
Applications
2,327
Volume
$322 million
Pricing & Closing
Avg Rate Spread
+0.234%
vs. market APOR
Avg Net Fees
$2,271
Origination − Credits
Pullthrough Rate
43.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$319,495
Avg Borrower Income
$137,931
Avg Property Value
$426,980
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast5
CTNHNJPAVT
Midwest7
IAILINMIMNOHWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West10
AKCACOIDMTNMNVORWAWY
Top Metro Areas by Place Specialization Score
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 36Mix 3.56% of portfolio
56/100
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
Showing 10 of 16 states
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.