# MEMBER FIRST MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/member-first-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MEMBER FIRST MORTGAGE, LLC is a independent mortgage company, headquartered in GRAND RAPIDS, MI, serving borrowers across 38 states, with 1,010 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493007L4GYNO2PUBS09
- **Headquarters:** GRAND RAPIDS, MI
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AK, AL, AR, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KY, LA, MD, MI, MN, MS, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 21
- **Primary Channel:** wholesale
- **Direct Origination:** 18.3%
- **Brokered/Wholesale:** 81.7%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.234%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,271
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,010
- **Dollar Volume:** $323 million
- **Applications Received:** 2,327
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $319,495
- **Average Borrower Income:** $137,931
- **Average Property Value:** $426,980

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 701 | +0.128% | $2,383 | Strong 😀 |
| FHA | 68/100 | 234 | +0.596% | $1,997 | Strong 😀 |
| VA | 63/100 | 40 | +0.256% | $1,478 | Strong 😀 |
| Jumbo | 48/100 | 26 | -0.263% | $2,746 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 505 loans, Score: 56/100 (Sound)
- Refinance: 196 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 189 loans, Score: 67/100 (Strong)
- Refinance: 45 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 37 loans, Score: 63/100 (Strong)

**Jumbo:**
- Purchase: 22 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 762 | $254M | +0.240% | Sound ☺️ |
| Refinance | 61/100 | 248 | $69M | +0.219% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 170 | 0.15% | 67/100 |
| TX | 154 | 0.04% | 62/100 |
| GA | 122 | 0.09% | 64/100 |
| WA | 102 | 0.12% | 65/100 |
| IN | 84 | 0.09% | 60/100 |
| IL | 68 | 0.05% | 57/100 |
| PA | 43 | 0.04% | 52/100 |
| KY | 39 | 0.08% | 55/100 |
| NJ | 34 | 0.04% | 51/100 |
| FL | 25 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 186 | 61/100 |
| Dallas | TX | 72 | 61/100 |
| Seattle | WA | 59 | 63/100 |
| Chicago | IL | 36 | 52/100 |
| Fort Worth | TX | 36 | 56/100 |
| Detroit | MI | 33 | 55/100 |
| Louisville/Jefferson County, KY | KY-IN | 33 | 56/100 |
| Warren | MI | 33 | 53/100 |
| Atlanta | GA | 31 | 51/100 |
| Marietta, GA | GA | 29 | 54/100 |
| Lake County | IN | 20 | 52/100 |
| Rome, GA | GA | 15 | 55/100 |
| Anchorage, AK | AK | 14 | 45/100 |
| Bend, OR | OR | 14 | 49/100 |
| Houston | TX | 13 | 40/100 |

## Where This Lender Ranks

MEMBER FIRST MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Battle Creek, MI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in State College, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Battle Creek, MI for FHA Loans
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Evansville, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Muncie, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Rome, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Muncie, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Seattle for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in State College, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does MEMBER FIRST MORTGAGE, LLC offer?

MEMBER FIRST MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBER FIRST MORTGAGE, LLC offer mortgages?

MEMBER FIRST MORTGAGE, LLC offers mortgages in 38 states: AK, AL, AR, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KY, LA, MD, MI, MN, MS, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, VT, WA, WI, WV, WY.

### How competitive are MEMBER FIRST MORTGAGE, LLC's mortgage rates?

MEMBER FIRST MORTGAGE, LLC has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.234% above market average.

### What type of lender is MEMBER FIRST MORTGAGE, LLC?

MEMBER FIRST MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in GRAND RAPIDS, MI.

### What is MEMBER FIRST MORTGAGE, LLC's loan approval success rate?

MEMBER FIRST MORTGAGE, LLC has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/member-first-mortgage

### How to Cite

> "MEMBER FIRST MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/member-first-mortgage

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