We analyzed every closed loan from Members 1ST — 655 loans across 853 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
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Report Card
Members 1ST performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+5.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
603 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
FHA
34 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
VA
14 loans · 0.42% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
495 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
Refinance
160 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 603 | 92.1% | +0.052%Above | $1,287Fees | ||||
FHA Loans | 34 | 5.2% | +0.209%Above | $1,504Fees | ||||
VA Loans | — | — | 14 | 2.1% | -0.417%Below | $3,019Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume603
Mix92.1%
Spread
+0.052%Above
Fees
$1,287Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume34
Mix5.2%
Spread
+0.209%Above
Fees
$1,504Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix2.1%
Spread
-0.417%Below
Fees
$3,019Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 495 | 75.6% | +0.064%Above | $1,478Fees | ||||
Refinance | 160 | 24.4% | +0.014%Above | $800Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume495
Mix75.6%
Spread
+0.064%Above
Fees
$1,478Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume160
Mix24.4%
Spread
+0.014%Above
Fees
$800Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
655
Applications
853
Volume
$155 million
Pricing & Closing
Avg Rate Spread
+0.053%
vs. market APOR
Avg Net Fees
$1,335
Origination − Credits
Pullthrough Rate
76.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$237,336
Avg Borrower Income
$116,505
Avg Property Value
$337,947
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
15Full-year 2024 · HMDALoans originated
< 500500+None
Northeast4
CTMENYPA
Midwest1
OH
South8
DEFLMDNCSCTNVAWV
West2
CONV
Top Metro Areas by Place Specialization Score
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.