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Member Home Loan

Independent Mortgage Company•Austin, TXHQ•Direct•Reviews near you on Google

Member Home Loan has 174 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Regional · 4 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 52 basis points above market average
  • Pull through efficiency is below industry average

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Report Card

Member Home Loan performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+52.0 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume172
Mix98.9%
Spread
+0.521%Above
Fees
$3,004Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume88
Mix50.6%
Spread
+0.249%Above
Fees
$3,721Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume86
Mix49.4%
Spread
+0.812%Above
Fees
$2,348Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
174
Applications
391
Volume
$36 million
Pricing & Closing
Avg Rate Spread
+0.520%
vs. market APOR
Avg Net Fees
$3,062
Origination − Credits
Pullthrough Rate
44.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$211,552
Avg Borrower Income
$142,529
Avg Property Value
$314,943

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
LATX
West1
NM

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 104Mix 59.77% of portfolio
70/100
Strong
2© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 12Mix 6.90% of portfolio
45/100
Sound
3© Samuel Capps · Public domain
Amarillo, TXMetro
Volume 10Mix 5.75% of portfolio
45/100
Sound
4© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 11Mix 6.32% of portfolio
43/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 172Mix 98.85% of portfolio
69/100
Strong

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.