Members 1st FCU Mortgage Lending & HMDA Data, 2025

In 2025, Members 1st FCU of Enola, PA reported 11,097 mortgage applications totaling $1.4 billion, down 5% from 2024. The average application was for $126,568, and applicants reported an average income of $128,864. 58% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Harrisburg-Carlisle, PA (3,536), York-Hanover, PA (2,415) and Lancaster, PA (2,003) (applications in parentheses).

Mortgage Company & Address Members 1st FCU
5000 Louise Drive
Enola, PA 17025
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 11,097
Total Mortgage Loan Application Amount $1,404,535,000
Average Mortgage Loan Application Amount $126,568
Highest Mortgage Loan Application Amount $12,005,000
Average Applicant Income $128,864
Highest Applicant Income $8,487,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Members 1st FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Members 1st FCU by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
York, Pennsylvania 2,415 $ 263,645,000 $ 109,169 $ 116,000
Lancaster, Pennsylvania 2,003 $ 266,795,000 $ 133,197 $ 132,000
Cumberland, Pennsylvania 1,811 $ 227,055,000 $ 125,375 $ 132,000
Dauphin, Pennsylvania 1,383 $ 174,055,000 $ 125,853 $ 129,000
Adams, Pennsylvania 487 $ 55,705,000 $ 114,383 $ 128,000
Berks, Pennsylvania 457 $ 53,875,000 $ 117,888 $ 131,000
Lebanon, Pennsylvania 428 $ 53,150,000 $ 124,182 $ 133,000
Perry, Pennsylvania 342 $ 34,540,000 $ 100,994 $ 113,000
Lehigh, Pennsylvania 307 $ 40,885,000 $ 133,175 $ 123,000
Northampton, Pennsylvania 175 $ 20,115,000 $ 114,942 $ 124,000
Franklin, Pennsylvania 172 $ 19,120,000 $ 111,162 $ 107,000
Chester, Pennsylvania 114 $ 22,970,000 $ 201,491 $ 196,000
Schuylkill, Pennsylvania 103 $ 12,115,000 $ 117,621 $ 111,000
Montgomery, Pennsylvania 102 $ 22,060,000 $ 216,274 $ 187,000
Lycoming, Pennsylvania 70 $ 6,420,000 $ 91,714 $ 130,000
Monroe, Pennsylvania 52 $ 7,590,000 $ 145,961 $ 158,000
Bucks, Pennsylvania 47 $ 9,265,000 $ 197,127 $ 168,000
Northumberland, Pennsylvania 39 $ 3,375,000 $ 86,538 $ 106,000
Juniata, Pennsylvania 37 $ 3,515,000 $ 95,000 $ 104,000
Carbon, Pennsylvania 29 $ 2,705,000 $ 93,275 $ 133,000
Allegheny, Pennsylvania 28 $ 3,520,000 $ 125,714 $ 159,000
Delaware, Pennsylvania 26 $ 4,380,000 $ 168,461 $ 213,000
Philadelphia, Pennsylvania 26 $ 2,740,000 $ 105,384 $ 129,000
Carroll, Maryland 24 $ 2,880,000 $ 120,000 $ 129,000
Mifflin, Pennsylvania 19 $ 1,925,000 $ 101,315 $ 168,000
Luzerne, Pennsylvania 18 $ 2,370,000 $ 131,666 $ 120,000
Baltimore, Maryland 16 $ 2,350,000 $ 146,875 $ 158,000
Centre, Pennsylvania 14 $ 1,890,000 $ 135,000 $ 136,000
Huntingdon, Pennsylvania 12 $ 950,000 $ 79,166 $ 66,000
Montour, Pennsylvania 12 $ 2,250,000 $ 187,500 $ 164,000
Union, Pennsylvania 12 $ 2,300,000 $ 191,666 $ 177,000
Blair, Pennsylvania 10 $ 880,000 $ 88,000 $ 106,000
Columbia, Pennsylvania 10 $ 1,230,000 $ 123,000 $ 94,000
Anne Arundel, Maryland 9 $ 1,215,000 $ 135,000 $ 198,000
Snyder, Pennsylvania 9 $ 635,000 $ 70,555 $ 88,000
Frederick, Maryland 8 $ 860,000 $ 107,500 $ 129,000
Worcester, Maryland 8 $ 3,100,000 $ 387,500 $ 292,000
Bedford, Pennsylvania 8 $ 680,000 $ 85,000 $ 136,000
Cambria, Pennsylvania 8 $ 360,000 $ 45,000 $ 62,000
Clinton, Pennsylvania 8 $ 710,000 $ 88,750 $ 134,000
Pike, Pennsylvania 8 $ 1,340,000 $ 167,500 $ 130,000
Potter, Pennsylvania 8 $ 690,000 $ 86,250 $ 85,000
Montgomery, Maryland 7 $ 1,465,000 $ 209,285 $ 211,000
Fulton, Pennsylvania 7 $ 745,000 $ 106,428 $ 54,000
Tioga, Pennsylvania 7 $ 635,000 $ 90,714 $ 83,000
Sussex, Delaware 6 $ 1,850,000 $ 308,333 $ 245,000
Prince George's, Maryland 6 $ 940,000 $ 156,666 $ 127,000
Burlington, New Jersey 6 $ 1,140,000 $ 190,000 $ 102,000
Clearfield, Pennsylvania 6 $ 560,000 $ 93,333 $ 73,000
Harford, Maryland 5 $ 1,535,000 $ 307,000 $ 229,000
Wicomico, Maryland 5 $ 1,195,000 $ 239,000 $ 150,000
Warren, New Jersey 5 $ 655,000 $ 131,000 $ 165,000
Sullivan, Pennsylvania 5 $ 2,145,000 $ 429,000 $ 137,000
Washington, Pennsylvania 5 $ 1,075,000 $ 215,000 $ 241,000
Cecil, Maryland 4 $ 690,000 $ 172,500 $ 128,000
Washington, Maryland 4 $ 620,000 $ 155,000 $ 126,000
Middlesex, New Jersey 4 $ 1,380,000 $ 345,000 $ 217,000
Bradford, Pennsylvania 4 $ 550,000 $ 137,500 $ 97,000
Garrett, Maryland 3 $ 1,475,000 $ 491,666 $ 310,000
Monmouth, New Jersey 3 $ 1,175,000 $ 391,666 $ 160,000
Ocean, New Jersey 3 $ 615,000 $ 205,000 $ 96,000
Beaver, Pennsylvania 3 $ 635,000 $ 211,666 $ 102,000
Somerset, Pennsylvania 3 $ 415,000 $ 138,333 $ 177,000
Wayne, Pennsylvania 3 $ 365,000 $ 121,666 $ 131,000
Berkeley, South Carolina 3 $ 1,305,000 $ 435,000 $ 120,000
Kent, Delaware 2 $ 630,000 $ 315,000 $ 101,000
Lee, Florida 2 $ 360,000 $ 180,000 $ 125,000
Gwinnett, Georgia 2 $ 660,000 $ 330,000 $ 117,000
Cumberland, Maine 2 $ 1,050,000 $ 525,000 $ 361,000
Somerset, Maryland 2 $ 310,000 $ 155,000 $ 87,000
Clark, Nevada 2 $ 1,610,000 $ 805,000 $ 515,000
Camden, New Jersey 2 $ 770,000 $ 385,000 $ 177,000
Hunterdon, New Jersey 2 $ 810,000 $ 405,000 $ 435,000
Morris, New Jersey 2 $ 730,000 $ 365,000 $ 247,000
Somerset, New Jersey 2 $ 2,310,000 $ 1,155,000 $ 570,000
Union, New Jersey 2 $ 450,000 $ 225,000 $ 191,000
Brunswick, North Carolina 2 $ 250,000 $ 125,000 $ 62,000
Lorain, Ohio 2 $ 370,000 $ 185,000 $ 84,000
Lackawanna, Pennsylvania 2 $ 880,000 $ 440,000 $ 140,000
Lawrence, Pennsylvania 2 $ 120,000 $ 60,000 $ 33,000
Horry, South Carolina 2 $ 1,310,000 $ 655,000 $ 267,000
Spartanburg, South Carolina 2 $ 680,000 $ 340,000 $ 0
York, Virginia 2 $ 1,610,000 $ 805,000 $ 220,000
Hampshire, West Virginia 2 $ 520,000 $ 260,000 $ 155,000
Maricopa, Arizona 1 $ 725,000 $ 725,000 $ 151,000
Benton, Arkansas 1 $ 275,000 $ 275,000 $ 142,000
Pulaski, Arkansas 1 $ 665,000 $ 665,000 $ 350,000
Eagle, Colorado 1 $ 695,000 $ 695,000 $ 0
Jefferson, Colorado 1 $ 805,000 $ 805,000 $ 407,000
Pueblo, Colorado 1 $ 365,000 $ 365,000 $ 83,000
New Castle, Delaware 1 $ 605,000 $ 605,000 $ 472,000
Brevard, Florida 1 $ 375,000 $ 375,000 $ 181,000
Hillsborough, Florida 1 $ 125,000 $ 125,000 $ 255,000
Lake, Florida 1 $ 495,000 $ 495,000 $ 148,000
Manatee, Florida 1 $ 515,000 $ 515,000 $ 884,000
Orange, Florida 1 $ 605,000 $ 605,000 $ 266,000
Pinellas, Florida 1 $ 255,000 $ 255,000 $ 134,000
St. Johns, Florida 1 $ 305,000 $ 305,000 $ 0
Volusia, Florida 1 $ 165,000 $ 165,000 $ 323,000
Chatham, Georgia 1 $ 1,005,000 $ 1,005,000 $ 0
Walker, Georgia 1 $ 445,000 $ 445,000 $ 171,000
Boundary, Idaho 1 $ 395,000 $ 395,000 $ 0
Cook, Illinois 1 $ 365,000 $ 365,000 $ 195,000
Lake, Indiana 1 $ 585,000 $ 585,000 $ 119,000
Orleans, Louisiana 1 $ 375,000 $ 375,000 $ 265,000
Allegany, Maryland 1 $ 115,000 $ 115,000 $ 72,000
Baltimore City, Maryland 1 $ 115,000 $ 115,000 $ 157,000
Caroline, Maryland 1 $ 305,000 $ 305,000 $ 136,000
Charles, Maryland 1 $ 425,000 $ 425,000 $ 202,000
Dorchester, Maryland 1 $ 75,000 $ 75,000 $ 100,000
Howard, Maryland 1 $ 755,000 $ 755,000 $ 0
Queen Anne's, Maryland 1 $ 85,000 $ 85,000 $ 246,000
Jasper, Missouri 1 $ 205,000 $ 205,000 $ 140,000
Gallatin, Montana 1 $ 775,000 $ 775,000 $ 0
Atlantic, New Jersey 1 $ 215,000 $ 215,000 $ 49,000
Bergen, New Jersey 1 $ 285,000 $ 285,000 $ 339,000
Essex, New Jersey 1 $ 155,000 $ 155,000 $ 171,000
Gloucester, New Jersey 1 $ 75,000 $ 75,000 $ 84,000
Mercer, New Jersey 1 $ 15,000 $ 15,000 $ 94,000
Salem, New Jersey 1 $ 475,000 $ 475,000 $ 184,000
Sussex, New Jersey 1 $ 85,000 $ 85,000 $ 43,000
Schenectady, New York 1 $ 345,000 $ 345,000 $ 128,000
Burke, North Carolina 1 $ 755,000 $ 755,000 $ 487,000
Franklin, North Carolina 1 $ 115,000 $ 115,000 $ 75,000
Iredell, North Carolina 1 $ 375,000 $ 375,000 $ 217,000
Moore, North Carolina 1 $ 555,000 $ 555,000 $ 231,000
New Hanover, North Carolina 1 $ 755,000 $ 755,000 $ 0
Wake, North Carolina 1 $ 705,000 $ 705,000 $ 269,000
Wayne, North Carolina 1 $ 295,000 $ 295,000 $ 85,000
Cuyahoga, Ohio 1 $ 215,000 $ 215,000 $ 129,000
Hamilton, Ohio 1 $ 755,000 $ 755,000 $ 161,000
Miami, Ohio 1 $ 145,000 $ 145,000 $ 79,000
Shelby, Ohio 1 $ 195,000 $ 195,000 $ 84,000
Deschutes, Oregon 1 $ 465,000 $ 465,000 $ 0
Morrow, Oregon 1 $ 335,000 $ 335,000 $ 148,000
Armstrong, Pennsylvania 1 $ 125,000 $ 125,000 $ 141,000
Butler, Pennsylvania 1 $ 25,000 $ 25,000 $ 105,000
Fayette, Pennsylvania 1 $ 25,000 $ 25,000 $ 67,000
Indiana, Pennsylvania 1 $ 35,000 $ 35,000 $ 48,000
Jefferson, Pennsylvania 1 $ 195,000 $ 195,000 $ 208,000
Susquehanna, Pennsylvania 1 $ 145,000 $ 145,000 $ 0
Westmoreland, Pennsylvania 1 $ 35,000 $ 35,000 $ 106,000
Wyoming, Pennsylvania 1 $ 55,000 $ 55,000 $ 113,000
Beaufort, South Carolina 1 $ 375,000 $ 375,000 $ 0
Dorchester, South Carolina 1 $ 145,000 $ 145,000 $ 67,000
Georgetown, South Carolina 1 $ 295,000 $ 295,000 $ 108,000
Jasper, South Carolina 1 $ 325,000 $ 325,000 $ 70,000
Juab, Utah 1 $ 465,000 $ 465,000 $ 98,000
Caroline, Virginia 1 $ 345,000 $ 345,000 $ 142,000
Fauquier, Virginia 1 $ 795,000 $ 795,000 $ 272,000
Franklin, Virginia 1 $ 545,000 $ 545,000 $ 147,000
Frederick, Virginia 1 $ 655,000 $ 655,000 $ 638,000
Hampton, Virginia 1 $ 275,000 $ 275,000 $ 307,000
Richmond City, Virginia 1 $ 535,000 $ 535,000 $ 223,000
Suffolk, Virginia 1 $ 475,000 $ 475,000 $ 180,000
Sussex, Virginia 1 $ 285,000 $ 285,000 $ 105,000
Kitsap, Washington 1 $ 455,000 $ 455,000 $ 159,000
Berkeley, West Virginia 1 $ 165,000 $ 165,000 $ 321,000
Hardy, West Virginia 1 $ 75,000 $ 75,000 $ 29,000
Wetzel, West Virginia 1 $ 145,000 $ 145,000 $ 93,000
Goshen, Wyoming 1 $ 215,000 $ 215,000 $ 150,000

Mortgage Loan Application Detail Totals for Members 1st FCU in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Improvement 4,477 $405,015,000 $90,000 $1,945,000 $126,000 $8,487,000
Refinancing 2,654 $430,130,000 $162,000 $12,005,000 $139,000 $2,600,000
Other Purpose 2,613 $212,695,000 $81,000 $1,055,000 $114,000 $4,186,000
Home Purchase 1,325 $350,285,000 $264,000 $1,825,000 $147,000 $1,630,000
Cash-out Refinancing 28 $6,410,000 $228,000 $655,000 $155,000 $790,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 9,427 $1,148,425,000 $121,000 $1,605,000 $130,000 $8,487,000
Hispanic 556 $58,030,000 $104,000 $2,005,000 $96,000 $651,000
Not Provided 408 $65,630,000 $160,000 $2,505,000 $164,000 $1,380,000
Black or African American 372 $38,410,000 $103,000 $805,000 $108,000 $753,000
Asian 219 $36,945,000 $168,000 $955,000 $146,000 $1,189,000
Not applicable 95 $55,545,000 $584,000 $12,005,000 $0 $0
American Indian or Alaskan Native 13 $1,185,000 $91,000 $185,000 $87,000 $315,000
Native Hawaiian or Other Pacific Islander 7 $365,000 $52,000 $105,000 $97,000 $174,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 11,015 $1,377,725,000 $125,000 $12,005,000 $129,000 $8,487,000
FHA-insured (Federal Housing Administration) 59 $15,355,000 $260,000 $535,000 $86,000 $223,000
VA-guaranteed (Veterans Administration) 22 $11,100,000 $504,000 $1,115,000 $161,000 $398,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $355,000 $355,000 $355,000 $111,000 $111,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 6,476 $847,770,000 $130,000 $10,005,000 $139,000 $2,117,000
Application Denied By Financial Institution 3,424 $348,860,000 $101,000 $1,605,000 $106,000 $8,487,000
Application Withdrawn By Applicant 970 $172,490,000 $177,000 $12,005,000 $140,000 $3,380,000
Application Approved But Not Accepted 207 $25,915,000 $125,000 $1,155,000 $148,000 $1,813,000
Loan Purchased By The Institution 15 $7,565,000 $504,000 $775,000 $0 $0
File Closed For Incompleteness 5 $1,935,000 $387,000 $805,000 $131,000 $231,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 7,673 $1,055,675,000 $137,000 $12,005,000 $139,000 $3,380,000
Debt-To-Income Ratio 1,462 $156,090,000 $106,000 $1,005,000 $73,000 $532,000
Credit History 911 $63,365,000 $69,000 $505,000 $133,000 $8,487,000
Unverifiable Information 527 $62,595,000 $118,000 $1,605,000 $136,000 $1,380,000
Other 277 $31,775,000 $114,000 $645,000 $116,000 $661,000
Collateral 221 $30,295,000 $137,000 $805,000 $128,000 $1,058,000
Employment History 19 $1,585,000 $83,000 $365,000 $80,000 $161,000
Credit Application Incomplete 6 $2,920,000 $486,000 $795,000 $243,000 $472,000
Insufficient Cash (Downpayment, Closing Cost) 1 $235,000 $235,000 $235,000 $172,000 $172,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Members 1st FCU's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Members 1st FCU's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet with aggregated HMDA statistics today.

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