# MEMBERS MORTGAGE COMPANY, INC.

> **Canonical URL:** https://saferate.com/lenders/members-mortgage-company

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

MEMBERS MORTGAGE COMPANY, INC. is a independent mortgage company, headquartered in WINCHESTER, MA, serving borrowers across 9 states, with 398 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005HTCBH4TWCVM82
- **Headquarters:** WINCHESTER, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** CT, FL, IL, MA, NH, NJ, RI, VT, WI
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.267%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $796
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 398
- **Dollar Volume:** $147 million
- **Applications Received:** 649
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $369,447
- **Average Borrower Income:** $197,982

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 384 | -0.271% | $785 | Strong 😀 |
| Jumbo | 41/100 | 11 | -0.459% | $869 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 305 loans, Score: 61/100 (Strong)
- Refinance: 79 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 316 | $120M | -0.269% | Sound ☺️ |
| Refinance | 61/100 | 82 | $27M | -0.259% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CT | 286 | 0.83% | 82/100 |
| MA | 92 | 0.15% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Hartford | CT | 132 | 78/100 |
| New Haven, CT | CT | 104 | 83/100 |
| Cambridge | MA | 34 | 57/100 |
| Springfield, MA | MA | 24 | 57/100 |
| Bridgeport | CT | 23 | 56/100 |
| Boston, MA | MA | 20 | 51/100 |
| Waterbury | CT | 18 | 53/100 |
| Non |  | 12 | 23/100 |

## Frequently Asked Questions

### What loan types does MEMBERS MORTGAGE COMPANY, INC. offer?

MEMBERS MORTGAGE COMPANY, INC. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBERS MORTGAGE COMPANY, INC. offer mortgages?

MEMBERS MORTGAGE COMPANY, INC. offers mortgages in 9 states: CT, FL, IL, MA, NH, NJ, RI, VT, WI.

### How competitive are MEMBERS MORTGAGE COMPANY, INC.'s mortgage rates?

MEMBERS MORTGAGE COMPANY, INC. has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.267% below market average.

### What type of lender is MEMBERS MORTGAGE COMPANY, INC.?

MEMBERS MORTGAGE COMPANY, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WINCHESTER, MA.

### What is MEMBERS MORTGAGE COMPANY, INC.'s loan approval success rate?

MEMBERS MORTGAGE COMPANY, INC. has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/members-mortgage-company

### How to Cite

> "MEMBERS MORTGAGE COMPANY, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-mortgage-company

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