# MEMBERS FIRST Credit Union

> **Canonical URL:** https://saferate.com/lenders/members-first-credit-union-mi


> **📋 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


MEMBERS FIRST Credit Union is a credit union, headquartered in Midland, MI, with 65 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300MPZCS4LF270327
- **Headquarters:** Midland, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

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

### Pricing Details
- **Average Rate Spread:** +0.259%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $560
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 65
- **Dollar Volume:** $9 million
- **Applications Received:** 109
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $138,846
- **Average Borrower Income:** $88,908
- **Average Property Value:** $843,308

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 65 | +0.259% | $560 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 48 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 48 | $7M | +0.139% | Sound ☺️ |
| Refinance | 26/100 | 17 | $2M | +0.553% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 65 | 0.06% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 29 | 44/100 |
| Midland, MI | MI | 27 | 73/100 |

## Where This Lender Ranks

MEMBERS FIRST Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Midland, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Midland, MI
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders)
- 🏆 **#11** in Midland, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does MEMBERS FIRST Credit Union offer?

MEMBERS FIRST Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBERS FIRST Credit Union offer mortgages?

MEMBERS FIRST Credit Union offers mortgages in 1 states: MI.

### How competitive are MEMBERS FIRST Credit Union's mortgage rates?

MEMBERS FIRST Credit Union has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.259% above market average.

### What type of lender is MEMBERS FIRST Credit Union?

MEMBERS FIRST Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Midland, MI.

### What is MEMBERS FIRST Credit Union's loan approval success rate?

MEMBERS FIRST Credit Union 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/members-first-credit-union-mi

### How to Cite

> "MEMBERS FIRST Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-first-credit-union-mi

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