Member Home Loan

What Member Home Loan does

Member Home Loan (MHL) is a private, Texas-headquartered residential mortgage lender that originates home purchase loans and refinances, and provides ongoing mortgage servicing. Founded in 2005 and operating as a wholly-owned subsidiary of CU Alliance, LLC (a credit union service organization), the firm is purpose-built to deliver mortgage products to credit union members rather than to retail consumers directly. It operates under NMLS# 105693 and is licensed in multiple U.S. states (Illinois, Louisiana, Missouri, New Mexico, North Carolina, Oklahoma, Texas and Ohio), with corporate offices in Houston, TX and a branch in St. Louis, MO.

The company's underlying technology is a multi-component online mortgage platform: a borrower-facing Loan App Elite origination portal, the FocusOne Mortgage Servicing Platform for client/investor account administration, the MHL Lead Generator (an embeddable HTML widget used by credit-union partners), and an Online Borrower Portal for application status and document access. Distribution is anchored in the CUSO relationship: lead flow comes from credit union referrals and partner sites, supported by a Find My Loan Officer tool and direct-loan-officer servicing. Revenue is generated from two streams — transaction fees on loan originations (purchase and refinance) once a borrower elects to proceed past application, and recurring servicing income on the managed loan portfolio — though no revenue figures are publicly disclosed.

In 2024 the firm announced it is rebranding to FocusOne Mortgage Solutions, with a phased migration of its digital infrastructure from mhl.mymortgage-online.com to f1.mymortgage-online.com. The rebrand is presented as a positioning refresh rather than a pivot; the stated mission — empowering credit union members with convenient home loans — remains unchanged. The firm holds standard mortgage-industry compliance designations (Equal Housing Lender, ECOA Reg B, HMDA Reg C, Fair Housing Act) and operates with a small team in the 11–50 employee band.

Name

Member Home Loan

Legal name

Member Home Loan, LLC

Website

https://mhl.mymortgage-online.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Member Home Loan is a Houston-based mortgage lender and subsidiary of CU Alliance, LLC that originates purchase and refinance home loans and provides mortgage servicing exclusively for credit union members across multiple U.S. states.

Ownership category

akta.pro rank

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Mortgage lending
• Residential home loans
• Mortgage refinancing
• Credit union lending
• Mortgage origination

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Origination: Revenue generated from originating residential mortgage loans for credit union members, including purchase mortgages and refinance transactions. Loan origination fees are collected when the borrower decides to continue with the application process.
2. Mortgage Servicing: Ongoing servicing revenue from managing existing mortgage loans, including payment processing and account administration through the FocusOne Mortgage servicing platform.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Member Home Loan is a mortgage lending firm that originates residential home loans (purchase mortgages and refinances) for credit union members across multiple U.S. states. The company delivers its lending services through digital self-service borrower portals, a loan officer finder network, and an online mortgage servicing platform, and operates as a wholly owned subsidiary of CU Alliance, LLC. The firm is currently rebranding to FocusOne Mortgage Solutions after nearly twenty years in operation.

Product overview

Member Home Loan operates a mortgage lending platform with a unified borrower-facing portal for loan origination, complemented by separate tools for lead generation and document management. The core offering is the online mortgage lending platform (currently transitioning to FocusOne Mortgage Solutions), which integrates a borrower application portal (Loan App Elite), online borrower portal for status checking and account access, and a collection of downloadable mortgage forms. The MHL Lead Generator provides separate lead capture functionality. All products serve credit union members seeking home loans, refinances, and mortgage servicing.

Differentiator

Problem solved

Functional benefit

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Guild Mortgage: Guild Mortgage is a mid-size retail mortgage originator with multistate licensing and a digital borrower portal. Similar size band and operational scope to MHL, both operating regional branch models augmented by digital origination.
• Movement Mortgage: Movement Mortgage is a mid-size retail mortgage originator with a strong digital culture and multi-state footprint. Similar to MHL in serving consumers via branch-based origination teams combined with online application tools.
• Fairway Independent Mortgage: Fairway is a mid-size retail mortgage originator operating in 40+ states with a branch-centric model. Comparable to MHL in origination focus, multi-state licensing, and combination of digital tools with loan-officer-assisted origination.
• NewRez / Shellpoint Mortgage: NewRez is a mid-to-large mortgage originator and servicer with both retail and wholesale channels, similar in operating model to MHL's combined origination and servicing offering. The Servicing business parallels MHL's FocusOne Mortgage Servicing Platform.
• CUNA Brokerage Services: CUNA Brokerage Services is a credit-union-affiliated mortgage services CUSO that helps credit unions offer residential mortgages, directly paralleling MHL's CUSO model as a CU Alliance subsidiary serving credit union members with home loan products.

Broad incumbents

• loanDepot: loanDepot is a national retail and wholesale mortgage originator with a strong digital application platform (LDPMarketing) comparable to MHL's Loan App Elite. Both compete for purchase and refinance volume in overlapping licensed geographies.
• rocket mortgage: Rocket Mortgage is the largest U.S. mortgage originator, operating a national digital direct-to-consumer platform across purchase, refinance, and home equity lending. Comparable to MHL as a digital mortgage originator, though vastly larger and serving all consumer segments rather than a niche credit-union member base.
• United Wholesale Mortgage: UWM is the leading wholesale mortgage lender in the U.S., originating through a broker channel. Comparable to MHL as a mortgage origination platform that operates through partner distribution, though UWM is dramatically larger and serves third-party brokers rather than a captive credit union member base.

Emerging players

• PSCU / Velera (Cooperative Mortgage Solutions): Velera (formerly PSCU/CO-OP Financial Services) supports credit unions with technology and lending services including mortgage processing. Comparable to MHL as an enabler for credit-union mortgage programs, with adjacent rather than direct origination overlap.
• Cornerstone Mortgage Solutions (credit-union division): Cornerstone Mortgage is a regional retail originator with credit-union partnership channels. Less direct than Guild or Fairway but operates in adjacent niches, offering comparable mortgage origination services to credit-union and community-bank members in overlapping licensed states.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/MemberHomeLoan

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Member Home Loan