Business Details
22 Years
experience
Trusted Mortgage Partner for Credit Unions
Members Mortgage Services (MMS) was founded in 2004 with a clear mission: to empower credit unions as competitive mortgage lenders in their communities. Our team of seasoned professionals brings decades of combined experience in mortgage origination, processing, underwriting, and servicing. We leverage cutting-edge technology and a collaborative approach to deliver tailored solutions that meet the evolving needs of credit unions and their members. Our services include conventional and government-backed loan products, secondary market access, quality control, and comprehensive training programs.With a commitment to Midwest hospitality and personalized service, we ensure borrowers receive the same respect and care they expect from their local credit union. Our co-branded servicing model preserves relationships between credit unions and members while streamlining administrative and compliance tasks. Through strategic partnerships and flexible service levels, we help credit unions expand their mortgage offerings without compromising their brand identity or member experience.
Services
Mortgage Loan Origination
Loan Processing
Underwriting Services
Mortgage Servicing
Secondary Market Access
Government-Backed Loans
Quality Control Audits
Technology Solutions
Staff Training Programs
Portfolio Loan Management
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of credit union-focused mortgage expertise
- Our proprietary technology streamlines loan origination and servicing
- Dedicated team of mortgage professionals with Midwest hospitality
- Co-branded servicing preserves credit union member relationships
- Flexible partnership levels for customized mortgage programs
Associations and certifications
- NMLS #760008
What people say
Smooth transactions
Knowledgeable staff
Professional service
Competitive rates
Dedicated support
Services
Mortgage Loan Origination
Our mortgage loan origination services help credit unions expand homeownership opportunities. We provide access to conventional fixed-rate loans (10-30 years), adjustable-rate mortgages, FHA loans, VA loans, and USDA rural development loans. Our team guides credit unions through the entire origination process while maintaining brand visibility. Credit unions retain direct member relationships while leveraging our expertise in investor loan eligibility and automated underwriting systems.
Mortgage Servicing
We simplify mortgage servicing with comprehensive administrative and compliance support. Our services include payment processing, escrow management, collections, and regulatory compliance. Credit unions maintain access to member loan data while we handle day-to-day servicing tasks. Our co-branded statements keep credit union branding visible to members. We provide dedicated customer service representatives to address borrower inquiries about payments, escrow, and loan modifications.
Secondary Market Access
Our secondary market services give credit unions access to Fannie Mae, Freddie Mac, FHA, USDA, and VA loan programs. We handle interest rate risk management and provide best-efforts pricing to protect against fallout costs. Credit unions benefit from improved liquidity while maintaining member relationships through our co-branding approach. We manage the complexities of loan sales while credit unions retain control over member interactions and loan approvals.
Underwriting Support
Our underwriting team utilizes advanced technology to validate data and ensure compliance with secondary market guidelines. We specialize in Fannie Mae's Desktop Underwriter and Freddie Mac's Loan Product Advisor systems. Our underwriters determine loan eligibility while allowing credit unions to maintain portfolio loan approval authority. We prioritize fast turn times and proactive communication to address documentation gaps and employment verification requirements.
Quality Control Audits
Our quality control team conducts thorough post-closing reviews to ensure loan integrity and regulatory compliance. We perform third-party audits for purchased loans, including pre-funding, post-closing, and servicing audits. Our protocols identify potential liabilities and ensure adherence to GSE regulations. We help credit unions maintain high standards in loan documentation accuracy and investor compliance while mitigating risks associated with portfolio and FHLB loans.
People
Todd Brunner
President/CEO
Todd Brunner founded Members Mortgage Services in 2004 with a vision to make credit unions the primary mortgage resource in their communities. He has over 20 years of mortgage industry leadership experience and focuses on delivering comprehensive products, technology, and service solutions that enable credit unions to compete effectively in mortgage lending.
LaShauna Kempel
Vice President of Production
LaShauna Kempel leads MMS mortgage production teams with over two decades of credit union experience. She prioritizes member service excellence and oversees processing, underwriting, and closing operations. Her focus on superior service delivery helps credit unions and their members achieve positive mortgage lending outcomes through efficient processes and dedicated support.
Ron Kiuttu
Vice President of Finance/CFO
Ron Kiuttu brings 30+ years of secondary market expertise to MMS. He manages financial operations and leverages deep understanding of mortgage processes to help credit unions succeed. His experience spans from origination through to financial impact analysis, ensuring partners maintain profitability while delivering quality mortgage services.
Stephen Kidder
Vice President of Servicing
Stephen Kidder oversees MMS customer service and mortgage servicing operations. He focuses on delivering exceptional member experiences through technology integration and personalized service. His team manages payment processing, escrow administration, and loan workouts while maintaining the personal touch that distinguishes MMS as a preferred mortgage partner.
Amy Cook
Vice President of Information Technology/CIO
Amy Cook leads MMS information technology and security initiatives with over 20 years of technology expertise. She ensures partners have access to world-class mortgage technology solutions that simplify processes for credit unions and members. Her focus on innovation and security supports MMS commitment to providing cutting-edge tools that enhance mortgage program efficiency.
Questions
What mortgage products do you offer credit unions?
We offer conventional fixed-rate loans (10-30 years), adjustable-rate mortgages, FHA loans, VA loans, USDA rural development loans, and portfolio loan options for credit unions.
How does your co-branded servicing work?
Our co-branded servicing maintains your credit union's branding through monthly statements while we handle day-to-day mortgage administration, ensuring seamless member experiences.
What partnership levels are available?
We offer four partnership levels: Affiliate, Correspondent, Broker, and Sub-Servicing, each providing different levels of service integration and operational support.
How do you help credit unions access secondary markets?
We provide access to Fannie Mae, Freddie Mac, FHA, USDA, and VA programs while managing interest rate risk and offering best-efforts pricing protection.
What technology solutions do you provide?
We offer integrated loan origination, processing, and servicing technology with compliance tools, document imaging, and secure member portals for complete mortgage lifecycle management.
