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Mortgage Services

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The MemberClose platform includes all the lending products to serve your members for life.

Customizable services for your mortgage lending needs.

MemberClose dashboard on screen with house and magnifying glass with dollar sign icon to the right of it

Mortgage Origination

Using the MemberClose Tier II Mortgage Program lets us act as your in-house loan officer.

In addition, following the Tier II steps required by Section 8 of RESPA, you can earn non-interest income for each loan. We will take the loan from application to closing and funding. Making you no longer responsible for HMDA or disclosure regulations.

  • In-house Processing and Underwriting
  • FNMA/FHLMC/FHLB/FHA/VA/CHRA/USDA
  • Co-Branding Marketing Opportunities
  • Lending Service Area
  • Conventional Mortgages
  • Veteran Affairs (VA) Mortgages
  • Jumbo Mortgages (Non-Conventional)
  • USDA Mortgages
  • DPA Programs Available
  • Reverse Mortgages (Non-QM)
  • Federal Housing Authority (FHA) Mortgages
  • ITIN Mortgage Products

Using the Second Mortgage Processing lets us act as your in-house disclosure desk, processor, and closing department.

The credit union is responsible for the following:
  • Underwriting approval prior to submission
  • Funding
  • Disbursing
  • Recording
View Flow Chart
  • Submit denied Home Equity and First Mortgage applications for a 2nd Look. This gives you the opportunity to turn a denied application into one that is approved.
  • There are steps, additional information, and a submit application button that may also be included here: https://pivotlending.com/2ndlook/
  • Increased Compensation up to 200 bps
  • Access to Encompass TPO Connect
  • Same Lending Product Available
  • Personalized Service with Direct Access to Underwriting and Closing Team
  • CRM Integrations
  • All Loans Underwritten In-House
  • Easy Access to our Pricing and Scenario Desk
  • Co-Branding Marketing Opportunities

We are all about service.

We understand that relationships are at the core of everything we do. This is why we offer a customizable servicing experience to meet your needs, while providing personalized, flexible service to your members.

  • Escrow Management
  • Easy & Flexible Payment Options
  • Convenient 24/7 Online Access
  • Utilize our Network of Credit Unions for Portfolio Lending
  • Underwriting Based on Purchasing Credit Unions Policies
  • Share of Participation Loans
  • Originating Credit Union First 10%
  • Pivot Serviced
  • ITIN wholesale lending
  • ITIN first mortgage origination
  • ITIN second mortgage processing
  • Bilingual mortgage teams
  • Spanish application and application aids
  • Spanish marketing kits for branches
  • Spanish speaking sub-servicing team and in-branch cash payment option

Let's streamline your real estate lending together.

MemberClose is a financial services provider specifically designed for credit unions and jointly owned by the Cooperative Credit Union Association, Inc. and Pivot Lending Group.

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