What loan types does Member First Mortgage offer?

Member First Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Member First Mortgage offer mortgages?

Member First Mortgage 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's mortgage rates?

Member First Mortgage has an overall pricing score of 47.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Member First Mortgage?

Member First Mortgage is a Independent Mortgage Company headquartered in GRAND RAPIDS, MI.

Unclaimed

Member First Mortgage

Independent Mortgage Company•Grand Rapids, MIHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Member First Mortgage — 1.0k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Near-National · 20 mkts

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

Explore another lender or local market

Report Card

Member First Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+23.4 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 21 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$2,383Fees
FHA Loans	Sound	Strong	Sound	Sound	234	23.2%	+0.596%Above	$1,997Fees
VA Loans	Sound	Strong	Acceptable	Sound	40	4.0%	+0.256%Above	$1,478Fees
Jumbo Loans	Sound	Sound	Sound	Acceptable	26	2.6%	-0.263%Below	$2,746Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume701

Mix69.4%

Spread

+0.128%Above

Fees

$2,383Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume234

Mix23.2%

Spread

+0.596%Above

Fees

$1,997Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume40

Mix4.0%

Spread

+0.256%Above

Fees

$1,478Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume26

Mix2.6%

Spread

-0.263%Below

Fees

$2,746Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	762	75.4%	+0.240%Above	$2,322Fees
Refinance	Sound	Strong	Sound	Acceptable	248	24.6%	+0.219%Above	$2,116Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume762

Mix75.4%

Spread

+0.240%Above

Fees

$2,322Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Acceptable

Volume248

Mix24.6%

Spread

+0.219%Above

Fees

$2,116Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,010

Applications

2,327

Volume

$322 million

Pricing & Closing

Avg Rate Spread

+0.234%

vs. market APOR

Avg Net Fees

$2,271

Origination − Credits

Pullthrough Rate

43.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$319,495

Avg Borrower Income

$137,931

Avg Property Value

$426,980

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast5

CTNHNJPAVT

Midwest7

IAILINMIMNOHWI

South16

ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West10

AKCACOIDMTNMNVORWAWY

Top Metro Areas by Place Specialization Score

1© Dietmar Rabich · CC BY-SA 4.0

Seattle, WAMetro

Volume 59Mix 5.84% of portfolio

63/100

Strong

2© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 72Mix 7.13% of portfolio

61/100

Strong

3© Ken Lund · CC BY-SA 2.0

Louisville/Jefferson County, KY, KY-INMetro

Volume 33Mix 3.27% of portfolio

56/100

Sound

4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0

Fort Worth, TXMetro

Volume 36Mix 3.56% of portfolio

56/100

Sound

5© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0

Detroit, MIMetro

Volume 33Mix 3.27% of portfolio

55/100

Sound

Rome, GAMetro

Volume 15Mix 1.49% of portfolio

55/100

Sound

Marietta, GAMetro

Volume 29Mix 2.87% of portfolio

54/100

Sound

Warren, MIMetro

Volume 33Mix 3.27% of portfolio

53/100

Sound

Chicago, ILMetro

Volume 36Mix 3.56% of portfolio

52/100

Sound

Lake County, INMetro

Volume 20Mix 1.98% of portfolio

52/100

Sound

Showing 10 of 20 metro areas

Top States by Place Specialization Score

MichiganState

Volume 170Mix 16.83% of portfolio

67/100

Strong

WashingtonState

Volume 102Mix 10.10% of portfolio

65/100

Strong

GeorgiaState

Volume 122Mix 12.08% of portfolio

64/100

Strong

TexasState

Volume 154Mix 15.25% of portfolio

62/100

Strong

IndianaState

Volume 84Mix 8.32% of portfolio

60/100

Sound

IllinoisState

Volume 68Mix 6.73% of portfolio

57/100

Sound

KentuckyState

Volume 39Mix 3.86% of portfolio

55/100

Sound

PennsylvaniaState

Volume 43Mix 4.26% of portfolio

52/100

Sound

New JerseyState

Volume 34Mix 3.37% of portfolio

51/100

Sound

AlaskaState

Volume 16Mix 1.58% of portfolio

46/100

Sound

Showing 10 of 16 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.