Member Advantage Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
5th35.2% deniedPricingmedian rate spread over APOR, weight 30%
86th-0.07 ptsProcesswithdrawn + incomplete share, weight 15%
7th27.8%Closing coststotal loan costs ÷ loan amount, weight 10%
47th2.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 358 | 78 | 23.5% | 35.2% | 6.63% | $20M |
| 2024 | 488 | 222 | 16.8% | 21.0% | 6.50% | $66M |
| 2025 | 331 | 75 | 25.4% | 35.2% | 6.13% | $28M |
What Member Advantage Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 7 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 25 investment properties.
Why Member Advantage Mortgage denies applications
Primary reason reported for each of the 84 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Member Advantage Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 2 | 71.4% |
| $50k – $100k | 100 | 13 | 49.3% |
| $100k – $150k | 87 | 19 | 30.2% |
| $150k – $250k | 90 | 31 | 20.0% |
| Over $250k | 22 | 9 | 6.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 11 | 29.4% |
| 35–44 | 85 | 26 | 26.6% |
| 45–54 | 85 | 14 | 38.5% |
| 55–64 | 62 | 13 | 48.8% |
| 65–74 | 34 | 8 | 37.5% |
Where Member Advantage Mortgage lends
16 states and 79 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 153 | 58 | 17.0% | 6.13% | #199 |
| Virginia | 77 | 13 | 23.4% | 6.00% | #316 |
| Maryland | 28 | 0 | 53.6% | — | #376 |
| Louisiana | 17 | 0 | 52.9% | — | #330 |
| Pennsylvania | 13 | 0 | 15.4% | — | #651 |
| District of Columbia | 8 | 1 | 62.5% | 5.75% | #200 |
| North Carolina | 5 | 0 | 40.0% | — | #720 |
Frequently asked questions
Member Advantage Mortgage denied 35.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 5th percentile of small mortgage lenders.
The most common reason Member Advantage Mortgage gave in 2025 was "debt-to-income ratio", cited on 48.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Member Advantage Mortgage originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.07 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 55% of its applications were for home purchases, 26% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 91% conventional, 6% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.