What loan types does MEMBER FIRST MORTGAGE, LLC offer?

MEMBER FIRST MORTGAGE, LLC 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, LLC offer mortgages?

MEMBER FIRST MORTGAGE, LLC 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, LLC's mortgage rates?

MEMBER FIRST MORTGAGE, LLC 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, LLC?

MEMBER FIRST MORTGAGE, LLC is a Independent Mortgage Company headquartered in GRAND RAPIDS, MI.

Unclaimed

Member First Mortgage, LLC

Independent Mortgage Company•GRAND RAPIDS, MI•Direct to Consumer

We analyzed every closed loan from Member First Mortgage — 1.0k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 20 mkts

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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

Explore another lender or local market

Report Card

Member First Mortgage, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +23.4 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National21 markets

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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARCACOCTDEFLGAIAIDILINKYLAMDMIMNMSMTNCNHNJNMNVOHOKORPASCTNTXVAVTWAWIWVWY

Top Metro Areas by Place Specialization Score

Seattle, WAMSA

Volume: 59Mix: 5.84%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 72Mix: 7.13%of portfolio

Place

Strong

Louisville/Jefferson County, KY, KY-INMSA

Volume: 33Mix: 3.27%of portfolio

Place

Sound

Fort Worth, TXMSA

Volume: 36Mix: 3.56%of portfolio

Place

Sound

Detroit, MIMSA

Volume: 33Mix: 3.27%of portfolio

Place

Sound

Rome, GA, GAMSA

Volume: 15Mix: 1.49%of portfolio

Place

Sound

Marietta, GA, GAMSA

Volume: 29Mix: 2.87%of portfolio

Place

Sound

Warren, MIMSA

Volume: 33Mix: 3.27%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 36Mix: 3.56%of portfolio

Place

Sound

Lake County, INMSA

Volume: 20Mix: 1.98%of portfolio

Place

Sound

Showing 10 of 20 metro areas

Top States by Place Specialization Score

MIState

Volume: 170Mix: 16.83%of portfolio

Place

Strong

WAState

Volume: 102Mix: 10.10%of portfolio

Place

Strong

GAState

Volume: 122Mix: 12.08%of portfolio

Place

Strong

TXState

Volume: 154Mix: 15.25%of portfolio

Place

Strong

INState

Volume: 84Mix: 8.32%of portfolio

Place

Sound

ILState

Volume: 68Mix: 6.73%of portfolio

Place

Sound

KYState

Volume: 39Mix: 3.86%of portfolio

Place

Sound

PAState

Volume: 43Mix: 4.26%of portfolio

Place

Sound

NJState

Volume: 34Mix: 3.37%of portfolio

Place

Sound

AKState

Volume: 16Mix: 1.58%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.