# MEMBER ONE

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


> **📋 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 ONE is a credit union, headquartered in Roanoke, VA, serving borrowers across 6 states, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 79% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001VM8PTR1KD2A32
- **Headquarters:** Roanoke, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AL, GA, NC, OH, PA, VA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.487%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $925
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $10 million
- **Applications Received:** 154
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $219,681
- **Average Borrower Income:** $115,894
- **Average Property Value:** $356,087

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 46 | +0.511% | $944 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 36 loans, Score: 30/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 37 | $10M | +0.225% | Acceptable 🙂 |
| Refinance | 20/100 | 10 | $1M | +1.359% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 35 | 0.03% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Roanoke, VA | VA | 20 | 61/100 |

## Where This Lender Ranks

MEMBER ONE appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Roanoke, VA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does MEMBER ONE offer?

MEMBER ONE offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBER ONE offer mortgages?

MEMBER ONE offers mortgages in 6 states: AL, GA, NC, OH, PA, VA.

### How competitive are MEMBER ONE's mortgage rates?

MEMBER ONE has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.487% above market average.

### What type of lender is MEMBER ONE?

MEMBER ONE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Roanoke, VA.

### What is MEMBER ONE's loan approval success rate?

MEMBER ONE has a pull-through score of 21/100 (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-one

### How to Cite

> "MEMBER ONE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/member-one

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