Lender in Michigan · HMDA 2025
Member First Mortgage, LLC mortgages in Michigan
Member First Mortgage, LLC's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Member First Mortgage, LLC originated 264 owner-occupied single-family loans in Michigan from 378 completed applications.
Its median conventional purchase loan costs were $6,470 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
264
of 378 applications
Denial rate
16.9%
Purchase · MI 7.8%
Rate spread
+0.17 pts
Conv. · MI +0.23 pts
Loan amount
$265,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 254 | 197 | 16.9% | 6.625% | +0.17 pts | $6,470 | $265,000 |
| Refinance | 47 | 31 | 29.8% | — | +0.11 pts | $8,720 | $325,000 |
| Cash-out refinance | 77 | 36 | 50.6% | — | +0.45 pts | $3,650 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Member First Mortgage, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cheboygan County | 6 | 7 | 3.1% |
| Crawford County | 14 | 3 | 1.7% |
| St. Joseph County | 22 | 8 | 1.0% |
| Gratiot County | 23 | 5 | 1.2% |
| Benzie County | 23 | 2 | 0.9% |
| Montmorency County | 24 | 1 | 0.7% |
| Menominee County | 25 | 1 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology