Lenders › Members 1st › Pennsylvania
Members 1st in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Pennsylvania, Members 1st reported 11,450 applications and 6,155 originations for 2024, $673m in all.
Its denial rate in the state was 39.8%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 40.0%.
The median rate spread on its Pennsylvania originations was -3.0 percentage points (state median 0.3).
Applications in the state were up 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Members 1st, all states | United States |
|---|---|---|---|---|
| Denial rate | 39.8% | 24.2% | 40.0% | 24.3% |
| Median rate spread, pp | -3.0 | 0.3 | -3.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.1% | 14.1% | 3.0% | 15.6% |
| Average originated loan | $109k | $226k | $111k | $329k |
| Home purchase share | 10.8% | 48.7% | 11.2% | 57.0% |
| FHA-insured share | 0.5% | 9.8% | 0.5% | 13.4% |
| VA-guaranteed share | 0.2% | 4.0% | 0.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 11% (666)Home improvement 43% (2,670)Refinancing 25% (1,540)Cash-out refinancing 0% (18)Other purpose 20% (1,261)
By type
Conventional 99% (6,112)FHA 0% (29)VA 0% (14)
Denial reasons as coded
Share of 4,199 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| York County | 2,553 | 1,345 | $132m | 41.6% |
| Cumberland County | 2,115 | 1,241 | $143m | 34.1% |
| Lancaster County | 2,106 | 1,145 | $135m | 39.1% |
| Dauphin County | 1,589 | 825 | $95m | 41.3% |
| Adams County | 532 | 296 | $25m | 38.4% |
| Lebanon County | 425 | 240 | $28m | 36.4% |
| Berks County | 440 | 223 | $23m | 45.3% |
| Perry County | 332 | 184 | $17m | 35.8% |
| Lehigh County | 299 | 131 | $14m | 52.1% |
| Franklin County | 172 | 102 | $10.0m | 32.5% |
| Northampton County | 173 | 93 | $12m | 37.9% |
| Schuylkill County | 95 | 49 | $6.3m | 44.3% |
| Chester County | 88 | 37 | $5.8m | 52.4% |
| Montgomery County | 78 | 33 | $4.3m | 47.8% |
| Juniata County | 41 | 24 | $2.5m | 34.2% |
| Monroe County | 30 | 18 | $2.2m | 32.1% |
| Carbon County | 25 | 14 | $1.7m | — |
| Bucks County | 34 | 13 | $2.3m | 54.8% |
| Northumberland County | 30 | 13 | $1.3m | 44.4% |
| Philadelphia County | 29 | 8 | $550k | 70.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Members 1st originate in Pennsylvania in 2024?
6,155 loans totalling $673m, from 11,450 applications reported for properties in Pennsylvania.
What is Members 1st's denial rate in Pennsylvania?
39.8% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 40.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Members 1st lend in most?
By originations: York County (1,345), Cumberland County (1,241), Lancaster County (1,145), Dauphin County (825), Adams County (296).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.