MEMBER FIRST MORTGAGE, LLC
MEMBER FIRST MORTGAGE, LLC received 3,256 applications in 2025 and made 1,295 mortgages, in 646 counties across 44 states. The median rate its borrowers got was 6.375% on a median loan of $255,000. Of 1,973 decisions, 562 were denials — 28.5%, most often for credit history.
| Legal Entity Identifier | 5493007L4GYNO2PUBS09 |
|---|---|
| Applications received | 3,256 |
| Mortgages made | 1,295 |
| Denied | 562 |
| Approved, not taken up | 116 |
| Withdrawn or incomplete | 1,283 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.202 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 916 | 6.375% | $275,000 | 20.1% |
| Refinancing | 109 | 5.875% | $385,000 | 36.1% |
| Cash-out refinancing | 225 | 6.625% | $175,000 | 47.3% |
| Other purposes | 45 | 7.000% | $45,000 | 23.9% |
Where MEMBER FIRST MORTGAGE, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oakland County, MI | 92 | 6.000% | 4.9% |
| Wayne County, MI | 55 | 6.625% | 39.4% |
| Cook County, IL | 53 | 6.000% | 23.1% |
| King County, WA | 41 | 5.875% | 12.5% |
| Tarrant County, TX | 27 | 6.250% | 19.4% |
| Bartow County, GA | 25 | 6.500% | 13.3% |
| Polk County, GA | 23 | 6.375% | 17.9% |
| Denton County, TX | 23 | 6.125% | 4.2% |
| Dallas County, TX | 22 | 5.938% | 22.6% |
| Collin County, TX | 19 | 6.000% | 9.1% |
| Floyd County, GA | 16 | 6.500% | 45.2% |
| Macomb County, MI | 15 | 6.375% | 37.5% |
| Deschutes County, OR | 15 | 6.125% | 21.1% |
| Delaware County, IN | 14 | 6.813% | 5.9% |
| Lake County, IN | 13 | 6.500% | 33.3% |
| Calhoun County, MI | 13 | 6.625% | 33.3% |
| Genesee County, MI | 12 | 6.625% | 13.3% |
| Snohomish County, WA | 12 | 5.938% | 7.7% |
| Campbell County, WY | 12 | 7.438% | 29.4% |
| Washtenaw County, MI | 11 | 6.375% | 23.5% |
| Centre County, PA | 11 | 6.625% | 11.1% |
| Vanderburgh County, IN | 10 | 6.688% | 21.4% |
| Cheboygan County, MI | 10 | 7.438% | 28.6% |
| St. Joseph County, MI | 10 | 6.875% | 0.0% |
| Wood County, WV | 10 | 6.500% | 31.3% |
| Hillsborough County, FL | 9 | Under 10 loans | 37.5% |
| Champaign County, IL | 9 | Under 10 loans | 9.1% |
| DuPage County, IL | 9 | Under 10 loans | 9.1% |
| Harris County, TX | 9 | Under 10 loans | 10.0% |
| Porter County, IN | 8 | Under 10 loans | 11.1% |
| St. Joseph County, IN | 8 | Under 10 loans | 65.2% |
| Jefferson County, KY | 8 | Under 10 loans | 25.0% |
| Barry County, MI | 8 | Under 10 loans | 11.1% |
| Los Angeles County, CA | 7 | Under 10 loans | 0.0% |
| Pasco County, FL | 7 | Under 10 loans | 27.3% |
| Livingston County, MI | 7 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 7 | Under 10 loans | 20.0% |
| Parker County, TX | 7 | Under 10 loans | 0.0% |
| Windsor County, VT | 7 | Under 10 loans | 11.1% |
| Fulton County, GA | 6 | Under 10 loans | 62.5% |
| Howard County, IN | 6 | Under 10 loans | 36.4% |
| Cass County, MI | 6 | Under 10 loans | 0.0% |
| Gratiot County, MI | 6 | Under 10 loans | 14.3% |
| Lapeer County, MI | 6 | Under 10 loans | 0.0% |
| Hennepin County, MN | 6 | Under 10 loans | 14.3% |
| Mason County, WA | 6 | Under 10 loans | 30.0% |
| Whatcom County, WA | 6 | Under 10 loans | 0.0% |
| Cobb County, GA | 5 | Under 10 loans | 33.3% |
| Gordon County, GA | 5 | Under 10 loans | 16.7% |
| Lake County, IL | 5 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.