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MMS

Members Mortgage Services

Independent Mortgage CompanyHutchinson, KSHQWholesaleReviews near you on Google

Members Mortgage Services has 220 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
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · VA · USDA
Place
Sound
3/5
Regional · 3 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and VA and USDA loans

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Report Card

Members Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+45.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume164
Mix74.5%
Spread
+0.602%Above
Fees
$1,519Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume37
Mix16.8%
Spread
-0.303%Below
Fees
$1,903Fees
USDA Loans
Overall
Sound
Product
Strong
Pricing
Pull Through
Sound
Volume13
Mix5.9%
Spread
+0.489%Above
Fees
$1,956Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume200
Mix90.9%
Spread
+0.470%Above
Fees
$1,583Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume20
Mix9.1%
Spread
+0.300%Above
Fees
$1,748Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
220
Applications
372
Volume
$42 million
Pricing & Closing
Avg Rate Spread
+0.453%
vs. market APOR
Avg Net Fees
$1,599
Origination − Credits
Pullthrough Rate
59.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$192,136
Avg Borrower Income
$83,964
Avg Property Value
$210,273

Geographic Coverage

Geographic Performance

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

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
KSMONE
South1
OK

Top Metro Areas by Place Specialization Score

Volume 88Mix 40.00% of portfolio
76/100
Strong
2© Matt Turner · CC BY 2.0
Springfield, MOMetro
Volume 12Mix 5.45% of portfolio
46/100
Sound
3© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 11Mix 5.00% of portfolio
44/100
Sound

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 181Mix 82.27% of portfolio
83/100
Exceptional
Missouri
Missouri
2
MissouriState
Volume 23Mix 10.45% of portfolio
50/100
Sound
Nebraska
Nebraska
3
NebraskaState
Volume 10Mix 4.55% of portfolio
43/100
Sound

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.