Members Mortgage Services
Members Mortgage Services has 220 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · VA · USDA
Place
Sound
3/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and VA and USDA loans
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Report Card
Members Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+45.3 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
FHA
164 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
VA
37 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
USDA
13 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
200 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
Refinance
20 loans · 0.30% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 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 |
|---|---|---|---|---|---|---|---|---|
FHA Loans | 164 | 74.5% | +0.602%Above | $1,519Fees | ||||
VA Loans | 37 | 16.8% | -0.303%Below | $1,903Fees | ||||
USDA Loans | — | 13 | 5.9% | +0.489%Above | $1,956Fees |
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume164
Mix74.5%
Spread
+0.602%Above
Fees
$1,519Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume37
Mix16.8%
Spread
-0.303%Below
Fees
$1,903Fees
USDA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume13
Mix5.9%
Spread
+0.489%Above
Fees
$1,956Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 200 | 90.9% | +0.470%Above | $1,583Fees | ||||
Refinance | 20 | 9.1% | +0.300%Above | $1,748Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume200
Mix90.9%
Spread
+0.470%Above
Fees
$1,583Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume20
Mix9.1%
Spread
+0.300%Above
Fees
$1,748Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
220
Applications
372
Volume
$42 million
Pricing & Closing
Avg Rate Spread
+0.453%
vs. market APOR
Avg Net Fees
$1,599
Origination − Credits
Pullthrough Rate
59.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$192,136
Avg Borrower Income
$83,964
Avg Property Value
$210,273
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest3
KSMONE
South1
OK
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.