We analyzed every closed loan from Members 1ST — 655 loans across 853 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
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Report Card
Members 1ST performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+5.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 603 | 92.1% | +0.052%Above | $1,287Fees | ||||
FHA Loans | 34 | 5.2% | +0.209%Above | $1,504Fees | ||||
VA Loans | — | — | 14 | 2.1% | -0.417%Below | $3,019Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume603
Mix92.1%
Spread
+0.052%Above
Fees
$1,287Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume34
Mix5.2%
Spread
+0.209%Above
Fees
$1,504Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix2.1%
Spread
-0.417%Below
Fees
$3,019Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 495 | 75.6% | +0.064%Above | $1,478Fees | ||||
Refinance | 160 | 24.4% | +0.014%Above | $800Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume495
Mix75.6%
Spread
+0.064%Above
Fees
$1,478Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume160
Mix24.4%
Spread
+0.014%Above
Fees
$800Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
655
Applications
853
Volume
$155 million
Pricing & Closing
Avg Rate Spread
+0.053%
vs. market APOR
Avg Net Fees
$1,335
Origination − Credits
Pullthrough Rate
76.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$237,336
Avg Borrower Income
$116,505
Avg Property Value
$337,947
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
15Northeast4
CTMENYPA
Midwest1
OH
South8
DEFLMDNCSCTNVAWV
West2
CONV
Top Metro Areas by Place Specialization Score
Volume 286Mix 43.66% of portfolio
100/100
Exceptional
Volume 75Mix 11.45% of portfolio
78/100
Strong
Volume 112Mix 17.10% of portfolio
76/100
Strong
Volume 32Mix 4.89% of portfolio
67/100
Strong
Volume 21Mix 3.21% of portfolio
64/100
Strong
Volume 17Mix 2.60% of portfolio
56/100
Sound
Volume 14Mix 2.14% of portfolio
47/100
SoundTop States by Place Specialization Score
1
PennsylvaniaState
Volume 624Mix 95.27% of portfolio
86/100
ExceptionalHow 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.