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Members Mortgage Company

Independent Mortgage Company•Winchester, MAHQ•Direct•Reviews near you on Google

Members Mortgage Company has 398 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 26.70 basis points below market average
  • Lower than average lender fees

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Report Card

Members Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 26.7 bps below market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
384 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
Jumbo
11 loans · 0.46% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
316 loans · 0.27% below market
Sound
Top 60% of lenders
3/5
Refinance
82 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume384
Mix96.5%
Spread
-0.271%Below
Fees
$785Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume11
Mix2.8%
Spread
-0.459%Below
Fees
$869Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume316
Mix79.4%
Spread
-0.269%Below
Fees
$747Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume82
Mix20.6%
Spread
-0.259%Below
Fees
$986Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
398
Applications
649
Volume
$147 million
Pricing & Closing
Avg Rate Spread
-0.267%
vs. market APOR
Avg Net Fees
$796
Origination − Credits
Pullthrough Rate
61.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$369,447
Avg Borrower Income
$197,982
Avg Property Value
$522,161

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9Full-year 2024 · HMDA
9 states with loan originations
Loans originated
< 100100+None
Northeast6
CTMANHNJRIVT
Midwest2
ILWI
South1
FL

Top Metro Areas by Place Specialization Score

1© Roman Eugeniusz · CC BY-SA 3.0
New Haven, CTMetro
Volume 104Mix 26.13% of portfolio
83/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 132Mix 33.17% of portfolio
78/100
Strong
3© Matt Turner · CC BY 2.0
Springfield, MAMetro
Volume 24Mix 6.03% of portfolio
57/100
Sound
4© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 34Mix 8.54% of portfolio
57/100
Sound
5© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 23Mix 5.78% of portfolio
56/100
Sound
6© Daniel Case · CC BY-SA 3.0
Waterbury, CTMetro
Volume 18Mix 4.52% of portfolio
53/100
Sound
7© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 20Mix 5.03% of portfolio
51/100
Sound

Top States by Place Specialization Score

Connecticut
Connecticut
1
ConnecticutState
Volume 286Mix 71.86% of portfolio
82/100
Exceptional
Massachusetts
Massachusetts
2
MassachusettsState
Volume 92Mix 23.12% of portfolio
65/100
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
Champion(80%+ = 40-50 points)
Superstar
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.