Lender in Pennsylvania · HMDA 2025
Members 1st mortgages in Pennsylvania
Members 1st's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Members 1st originated 630 owner-occupied single-family loans in Pennsylvania from 697 completed applications.
Its median conventional purchase loan costs were $4,600 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.75% (Pennsylvania: 6.625%).
Loans in PA
630
of 697 applications
Denial rate
5.2%
Purchase · PA 6.7%
Rate spread
+0.20 pts
Conv. · PA +0.17 pts
Loan amount
$245,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 481 | 452 | 5.2% | 6.750% | +0.20 pts | $4,600 | $245,000 |
| Refinance | 196 | 159 | 18.4% | 6.625% | +0.14 pts | $3,580 | $185,000 |
| Cash-out refinance | 20 | 19 | 5.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Members 1st ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 5 | 113 | 3.4% |
| Perry County | 7 | 18 | 3.7% |
| Dauphin County | 8 | 115 | 3.6% |
| Juniata County | 8 | 5 | 3.2% |
| Adams County | 10 | 32 | 2.3% |
| York County | 13 | 119 | 1.9% |
| Lancaster County | 13 | 83 | 1.6% |
| Lebanon County | 17 | 28 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology