What loan types does Member Home Loan offer?

Member Home Loan offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Member Home Loan offer mortgages?

Member Home Loan offers mortgages in 3 states: LA, NM, TX.

How competitive are Member Home Loan's mortgage rates?

Member Home Loan has an overall pricing score of 28.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Member Home Loan?

Member Home Loan is a Independent Mortgage Company headquartered in AUSTIN, TX.

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Member Home Loan

Independent Mortgage Company•Austin, TXHQ•Direct•Reviews near you on Google

Member Home Loan has 174 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 52 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Member Home Loan performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+52.0 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

172 loans · 0.52% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

88 loans · 0.25% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

86 loans · 0.81% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 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	Acceptable	Sound	Acceptable	Acceptable	172	98.9%	+0.521%Above	$3,004Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume172

Mix98.9%

Spread

+0.521%Above

Fees

$3,004Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	88	50.6%	+0.249%Above	$3,721Fees
Refinance	Sound	Sound	Acceptable	Acceptable	86	49.4%	+0.812%Above	$2,348Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume88

Mix50.6%

Spread

+0.249%Above

Fees

$3,721Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume86

Mix49.4%

Spread

+0.812%Above

Fees

$2,348Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

174

Applications

391

Volume

$36 million

Pricing & Closing

Avg Rate Spread

+0.520%

vs. market APOR

Avg Net Fees

$3,062

Origination − Credits

Pullthrough Rate

44.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$211,552

Avg Borrower Income

$142,529

Avg Property Value

$314,943

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

3Full-year 2024 · HMDA

Loans originated

All statesNone

South2

LATX

West1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 104Mix 59.77% of portfolio

70/100

Strong

San Antonio, TXMetro

Volume 12Mix 6.90% of portfolio

45/100

Sound

Amarillo, TXMetro

Volume 10Mix 5.75% of portfolio

45/100

Sound

Dallas, TXMetro

Volume 11Mix 6.32% of portfolio

43/100

Sound

Top States by Place Specialization Score

TexasState

Volume 172Mix 98.85% of portfolio

69/100

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.