Members Mortgage Services at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
31st14.9% deniedPricingmedian rate spread over APOR, weight 30%
39th0.35 ptsProcesswithdrawn + incomplete share, weight 15%
15th22.0%Closing coststotal loan costs ÷ loan amount, weight 10%
14th3.30% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 188 | 66 | 31.9% | 35.5% | 6.69% | $11M |
| 2024 | 373 | 220 | 15.0% | 18.1% | 6.38% | $42M |
| 2025 | 455 | 276 | 11.7% | 14.9% | 6.25% | $57M |
What Members Mortgage Services 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 1 investment properties.
Why Members Mortgage Services denies applications
Primary reason reported for each of the 53 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Members Mortgage Services
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 70 | 38 | 19.2% |
| $50k – $100k | 250 | 146 | 18.3% |
| $100k – $150k | 99 | 67 | 8.9% |
| $150k – $250k | 33 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 63 | 41 | 10.2% |
| 25–34 | 159 | 92 | 16.5% |
| 35–44 | 100 | 67 | 9.0% |
| 45–54 | 60 | 37 | 13.0% |
| 55–64 | 36 | 20 | 25.8% |
| 65–74 | 28 | 16 | 17.4% |
Where Members Mortgage Services lends
5 states and 89 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Members Mortgage Services denied 14.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of small mortgage lenders.
The most common reason Members Mortgage Services gave in 2025 was "credit history", cited on 37.7% 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 Members Mortgage Services originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 87% of its applications were for home purchases, 13% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 8% conventional, 65% FHA, 18% 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.