Applications / Mortgage Analytics / Lenders / Massachusetts / Members Mortgage Company
Stoneham, MA · Independent non-bank lender · CFPB · 523 loans in 2025
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523
loans originated, 2025
801
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Mortgage Company, a Stoneham, Massachusetts lender whose main state is Connecticut, makes almost only conventional loans and grew faster than most similar lenders in 2025.
Its loans rose 27% in 2025, to 523, against 2% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. That is faster than about five in six of them. It is the second year of growth after a fall from 2,132 loans in 2020 to 343 in 2023.
Of its loans, 99.8% were conventional, without government backing, against 67.1% at similar lenders. It made almost no loans insured by the Federal Housing Administration (FHA), where peers put 21.1% of theirs. Home purchases made up 66.2% of its lending.
Its typical rate was 5.88%, against 6.50% at peers, lower than at about nine in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans).
It has lent in Connecticut since 1998. Around Hartford it ranks 32 of 464 lenders, with a 0.8% share, unchanged from 2024. In New Haven its share slipped from 0.9% to 0.8%, where Rocket Mortgage and United Wholesale Mortgage lead. A fall this small could come from a few loans.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members Mortgage Company took 801 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.2% · Refinance 31.4% · Other 1.9% · Home improvement 0.6%
Conventional 99.8% · FHA 0.2% · of 523 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Connecticut | 332 | 63.5% |
| Massachusetts | 152 | 29.1% |
| New Hampshire | 14 | 2.7% |
| Maine | 12 | 2.3% |
| Rhode Island | 6 | 1.1% |
| Florida | 5 | 1.0% |
| Maryland | 1 | 0.2% |
| Vermont | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 178 |
| New Haven | 115 |
| Cambridge-Newton-Framingham | 95 |
| Bridgeport-Stamford-Danbury | 27 |
| Boston | 23 |
| Springfield | 13 |
| Providence-Warwick | 10 |
| Worcester | 10 |
| Portland-South Portland | 8 |
| Barnstable Town | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005HTCBH4TWCVM82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3868760 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 743243815 | |
| Respondent ID (the HMDA filer code before 2018) | 77885700004 | 1998–2012 |
Established 24 August 1994. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Members Mortgage Company's data.
Members Mortgage Company's data
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Members Mortgage Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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