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MEMBER ADVANTAGE MORTGAGE, LLC
Independent Mortgage Company|LANSING, MI|Multi-Region
Loans Originated
182
Applications
363
Volume
$60 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.028%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,938
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
50.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
MEMBER ADVANTAGE MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 6 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$333,516
Average Borrower Income
$147,456
Average Property Value
$422,624
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 152 | 83.5% | +0.003% | $3,092 |
FHA Loans | Acceptable | Acceptable | N/A | Acceptable | 12 | 6.6% | +0.542% | $2,146 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 162 | 89.0% | -0.019% | $2,883 |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 20 | 11.0% | +0.421% | $3,405 |
Geographic Coverage
Metro Areas
5
States Served
10
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
CTFLGALAMAMDNHOKPAVA
Top Metro Areas by Place Specialization Score
1
Amherst Town, MAMSA
Volume: 40Mix: 21.98%
Place Specialization
Strong
2
Springfield, MA, MAMSA
Volume: 22Mix: 12.09%
Place Specialization
Sound
3
Worcester, MA, MAMSA
Volume: 20Mix: 10.99%
Place Specialization
Sound
4
Pittsburgh, PA, PAMSA
Volume: 14Mix: 7.69%
Place Specialization
Sound
5
Richmond, VA, VAMSA
Volume: 13Mix: 7.14%
Place Specialization
Sound
Top States by Place Specialization Score
1
MAState
Volume: 117Mix: 64.29%
Place Specialization
Strong
2
VAState
Volume: 30Mix: 16.48%
Place Specialization
Sound
3
PAState
Volume: 20Mix: 10.99%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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