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MEMBER FIRST MORTGAGE, LLC
Independent Mortgage Company|GRAND RAPIDS, MI|Near-National
Loans Originated
1,010
Applications
2,327
Volume
$322 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.234%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,271
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
43.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
MEMBER FIRST 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 | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 21 metro areas · 38 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$319,495
Average Borrower Income
$137,931
Average Property Value
$426,980
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 701 | 69.4% | +0.128% | $2,383 |
FHA Loans | Sound | Strong | Sound | Sound | 234 | 23.2% | +0.596% | $1,997 |
VA Loans | Sound | Strong | Acceptable | Sound | 40 | 4.0% | +0.256% | $1,478 |
Jumbo Loans | Sound | Sound | Sound | Acceptable | 26 | 2.6% | -0.263% | $2,746 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 762 | 75.4% | +0.240% | $2,322 |
Refinance | Sound | Strong | Sound | Acceptable | 248 | 24.6% | +0.219% | $2,116 |
Geographic Coverage
Metro Areas
20
States Served
38
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARCACOCTDEFLGAIAIDILINKYLAMDMIMNMSMTNCNHNJNMNVOHOKORPASCTNTXVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Seattle, WAMSA
Volume: 59Mix: 5.84%
Place Specialization
Strong
2
Dallas, TXMSA
Volume: 72Mix: 7.13%
Place Specialization
Strong
3
Louisville/Jefferson County, KY, KY-INMSA
Volume: 33Mix: 3.27%
Place Specialization
Sound
4
Fort Worth, TXMSA
Volume: 36Mix: 3.56%
Place Specialization
Sound
5
Detroit, MIMSA
Volume: 33Mix: 3.27%
Place Specialization
Sound
6
Rome, GA, GAMSA
Volume: 15Mix: 1.49%
Place Specialization
Sound
7
Marietta, GA, GAMSA
Volume: 29Mix: 2.87%
Place Specialization
Sound
8
Warren, MIMSA
Volume: 33Mix: 3.27%
Place Specialization
Sound
9
Chicago, ILMSA
Volume: 36Mix: 3.56%
Place Specialization
Sound
10
Lake County, INMSA
Volume: 20Mix: 1.98%
Place Specialization
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
MIState
Volume: 170Mix: 16.83%
Place Specialization
Strong
2
WAState
Volume: 102Mix: 10.10%
Place Specialization
Strong
3
GAState
Volume: 122Mix: 12.08%
Place Specialization
Strong
4
TXState
Volume: 154Mix: 15.25%
Place Specialization
Strong
5
INState
Volume: 84Mix: 8.32%
Place Specialization
Sound
6
ILState
Volume: 68Mix: 6.73%
Place Specialization
Sound
7
KYState
Volume: 39Mix: 3.86%
Place Specialization
Sound
8
PAState
Volume: 43Mix: 4.26%
Place Specialization
Sound
9
NJState
Volume: 34Mix: 3.37%
Place Specialization
Sound
10
AKState
Volume: 16Mix: 1.58%
Place Specialization
Sound
Showing 10 of 16 states
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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