Members 1St
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Members 1St 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Members 1St 5000 Louise Drive Enola, PA 17055 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 10,429 |
| Total Mortgage Loan Application Amount | $1,175,315,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $6,705,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $2,218,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Members 1St. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Members 1St's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Members 1St's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Members 1St serves its applicants.
Each category highlights the total number of mortgage applications processed by Members 1St, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Members 1St's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cumberland County Pennsylvania | 2,378 | $ 269,860,000 | $ 113,000 | $ 101,000 |
| York County Pennsylvania | 2,235 | $ 218,445,000 | $ 97,000 | $ 99,000 |
| Lancaster County Pennsylvania | 1,719 | $ 188,675,000 | $ 109,000 | $ 101,000 |
| Dauphin County Pennsylvania | 1,663 | $ 192,695,000 | $ 115,000 | $ 101,000 |
| Lebanon County Pennsylvania | 637 | $ 97,475,000 | $ 153,000 | $ 106,000 |
| Adams County Pennsylvania | 496 | $ 55,650,000 | $ 112,000 | $ 94,000 |
| Perry County Pennsylvania | 450 | $ 45,750,000 | $ 101,000 | $ 89,000 |
| Franklin County Pennsylvania | 164 | $ 18,830,000 | $ 114,000 | $ 94,000 |
| Berks County Pennsylvania | 89 | $ 7,515,000 | $ 84,000 | $ 103,000 |
| Schuylkill County Pennsylvania | 62 | $ 6,500,000 | $ 104,000 | $ 86,000 |
| Chester County Pennsylvania | 42 | $ 6,180,000 | $ 147,000 | $ 141,000 |
| Montgomery County Pennsylvania | 42 | $ 7,300,000 | $ 173,000 | $ 137,000 |
| Carroll County Maryland | 33 | $ 4,775,000 | $ 144,000 | $ 110,000 |
| Juniata County Pennsylvania | 32 | $ 2,550,000 | $ 79,000 | $ 86,000 |
| Lehigh County Pennsylvania | 25 | $ 2,985,000 | $ 119,000 | $ 122,000 |
| Northampton County Pennsylvania | 18 | $ 1,260,000 | $ 70,000 | $ 95,000 |
| Huntingdon County Pennsylvania | 17 | $ 1,705,000 | $ 100,000 | $ 100,000 |
| Bucks County Pennsylvania | 16 | $ 2,190,000 | $ 136,000 | $ 134,000 |
| Washington County Maryland | 14 | $ 1,630,000 | $ 116,000 | $ 92,000 |
| Luzerne County Pennsylvania | 13 | $ 905,000 | $ 69,000 | $ 156,000 |
| Philadelphia County Pennsylvania | 13 | $ 2,275,000 | $ 175,000 | $ 70,000 |
| Snyder County Pennsylvania | 13 | $ 1,265,000 | $ 97,000 | $ 155,000 |
| Frederick County Maryland | 12 | $ 660,000 | $ 55,000 | $ 103,000 |
| Monroe County Pennsylvania | 12 | $ 1,700,000 | $ 141,000 | $ 126,000 |
| Northumberland County Pennsylvania | 12 | $ 630,000 | $ 52,000 | $ 92,000 |
| Baltimore County Maryland | 11 | $ 1,115,000 | $ 101,000 | $ 107,000 |
| Delaware County Pennsylvania | 11 | $ 1,875,000 | $ 170,000 | $ 130,000 |
| Harford County Maryland | 10 | $ 2,470,000 | $ 247,000 | $ 154,000 |
| Sussex County Delaware | 9 | $ 2,505,000 | $ 278,000 | $ 137,000 |
| Anne Arundel County Maryland | 9 | $ 1,315,000 | $ 146,000 | $ 117,000 |
| Worcester County Maryland | 9 | $ 2,765,000 | $ 307,000 | $ 185,000 |
| Allegheny County Pennsylvania | 9 | $ 995,000 | $ 110,000 | $ 89,000 |
| Centre County Pennsylvania | 9 | $ 1,045,000 | $ 116,000 | $ 93,000 |
| Fulton County Pennsylvania | 9 | $ 755,000 | $ 83,000 | $ 76,000 |
| Mifflin County Pennsylvania | 9 | $ 615,000 | $ 68,000 | $ 75,000 |
| Columbia County Pennsylvania | 7 | $ 785,000 | $ 112,000 | $ 104,000 |
| Pike County Pennsylvania | 7 | $ 995,000 | $ 142,000 | $ 87,000 |
| Baltimore City County Maryland | 6 | $ 600,000 | $ 100,000 | $ 101,000 |
| Somerset County Pennsylvania | 6 | $ 830,000 | $ 138,000 | $ 180,000 |
| Cape May County New Jersey | 5 | $ 2,545,000 | $ 509,000 | $ 249,000 |
| Clearfield County Pennsylvania | 5 | $ 445,000 | $ 89,000 | $ 90,000 |
| Bedford County Pennsylvania | 4 | $ 270,000 | $ 67,000 | $ 51,000 |
| Brevard County Florida | 3 | $ 555,000 | $ 185,000 | $ 98,000 |
| Sarasota County Florida | 3 | $ 895,000 | $ 298,000 | $ 69,000 |
| Cecil County Maryland | 3 | $ 445,000 | $ 148,000 | $ 108,000 |
| Montgomery County Maryland | 3 | $ 885,000 | $ 295,000 | $ 126,000 |
| Queen Anne's County Maryland | 3 | $ 735,000 | $ 245,000 | $ 230,000 |
| Cambria County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 83,000 |
| Lycoming County Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 69,000 |
| Westmoreland County Pennsylvania | 3 | $ 295,000 | $ 98,000 | $ 50,000 |
| Charlotte County Florida | 2 | $ 310,000 | $ 155,000 | $ 147,000 |
| Garrett County Maryland | 2 | $ 460,000 | $ 230,000 | $ 268,000 |
| Prince George's County Maryland | 2 | $ 420,000 | $ 210,000 | $ 115,000 |
| Essex County New Jersey | 2 | $ 210,000 | $ 105,000 | $ 126,000 |
| Dare County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 106,000 |
| Butler County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 92,000 |
| Carbon County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 114,000 |
| Potter County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 117,000 |
| Union County Pennsylvania | 2 | $ 250,000 | $ 125,000 | $ 376,000 |
| Warren County Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Berkeley County West Virginia | 2 | $ 540,000 | $ 270,000 | $ 116,000 |
| Preston County West Virginia | 2 | $ 350,000 | $ 175,000 | $ 114,000 |
| Arapahoe County Colorado | 1 | $ 755,000 | $ 755,000 | $ 507,000 |
| Collier County Florida | 1 | $ 505,000 | $ 505,000 | $ 206,000 |
| Gulf County Florida | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Lee County Florida | 1 | $ 315,000 | $ 315,000 | $ 237,000 |
| Manatee County Florida | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Orange County Florida | 1 | $ 265,000 | $ 265,000 | $ 130,000 |
| Pasco County Florida | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Pinellas County Florida | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Polk County Florida | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Sumter County Florida | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Chatham County Georgia | 1 | $ 5,000 | $ 5,000 | $ 108,000 |
| Cherokee County Georgia | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Charles County Maryland | 1 | $ 345,000 | $ 345,000 | $ 57,000 |
| St. Mary's County Maryland | 1 | $ 85,000 | $ 85,000 | $ 215,000 |
| Essex County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Wayne County Michigan | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| St. Louis County Missouri | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Hillsborough County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Broome County New York | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Brunswick County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 186,000 |
| Caldwell County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Catawba County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Guilford County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Vance County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Cameron County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Clarion County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Clinton County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Erie County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 122,000 |
| Lackawanna County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 112,000 |
| Montour County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Tioga County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Venango County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Wayne County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Lee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| York County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 168,000 |
| Accomack County Virginia | 1 | $ 145,000 | $ 145,000 | $ 259,000 |
| Bedford County Virginia | 1 | $ 175,000 | $ 175,000 | $ 28,000 |
| Carroll County Virginia | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Members 1St in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,139 | $412,155,000 | $131,000 | $6,705,000 | $104,000 | $2,201,000 |
| Home Improvement | 2,980 | $173,110,000 | $58,000 | $1,205,000 | $103,000 | $2,218,000 |
| Home Purchase | 2,115 | $428,475,000 | $202,000 | $1,865,000 | $95,000 | $742,000 |
| Other Purpose | 1,937 | $110,515,000 | $57,000 | $505,000 | $96,000 | $1,458,000 |
| Cash-out Refinancing | 258 | $51,060,000 | $197,000 | $1,185,000 | $107,000 | $450,000 |
| 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 | 8,926 | $991,630,000 | $111,000 | $1,865,000 | $101,000 | $2,201,000 |
| Not Provided | 559 | $58,585,000 | $104,000 | $885,000 | $109,000 | $2,218,000 |
| Hispanic | 333 | $33,135,000 | $99,000 | $505,000 | $86,000 | $900,000 |
| Black or African American | 287 | $29,645,000 | $103,000 | $555,000 | $88,000 | $429,000 |
| Not applicable | 165 | $43,095,000 | $261,000 | $6,705,000 | $0 | $0 |
| Asian | 137 | $17,175,000 | $125,000 | $555,000 | $120,000 | $742,000 |
| American Indian or Alaskan Native | 16 | $1,250,000 | $78,000 | $205,000 | $59,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $765,000 | $153,000 | $275,000 | $162,000 | $271,000 |
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) | 10,012 | $1,092,740,000 | $109,000 | $6,705,000 | $102,000 | $2,218,000 |
| FHA-insured (Federal Housing Administration) | 260 | $45,110,000 | $173,000 | $405,000 | $64,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 112 | $29,440,000 | $262,000 | $665,000 | $96,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $8,025,000 | $178,000 | $305,000 | $58,000 | $92,000 |
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 | 6,599 | $812,965,000 | $123,000 | $1,365,000 | $106,000 | $2,218,000 |
| Application Denied By Financial Institution | 2,137 | $159,225,000 | $74,000 | $805,000 | $76,000 | $2,201,000 |
| Application Approved But Not Accepted | 961 | $92,965,000 | $96,000 | $1,455,000 | $112,000 | $960,000 |
| Application Withdrawn By Applicant | 714 | $98,980,000 | $138,000 | $1,865,000 | $103,000 | $840,000 |
| File Closed For Incompleteness | 18 | $11,180,000 | $621,000 | $6,705,000 | $115,000 | $450,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8,292 | $1,016,090,000 | $122,000 | $6,705,000 | $107,000 | $2,218,000 |
| Debt-To-Income Ratio | 1,023 | $71,775,000 | $70,000 | $515,000 | $59,000 | $900,000 |
| Credit History | 476 | $33,140,000 | $69,000 | $805,000 | $89,000 | $948,000 |
| Collateral | 191 | $20,315,000 | $106,000 | $665,000 | $110,000 | $2,201,000 |
| Unverifiable Information | 139 | $9,885,000 | $71,000 | $515,000 | $91,000 | $420,000 |
| Credit Application Incomplete | 112 | $8,060,000 | $71,000 | $405,000 | $92,000 | $336,000 |
| Employment History | 87 | $5,895,000 | $67,000 | $395,000 | $80,000 | $371,000 |
| Other | 86 | $7,330,000 | $85,000 | $755,000 | $91,000 | $507,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $2,650,000 | $120,000 | $595,000 | $74,000 | $214,000 |
| Mortgage Insurance Denied | 1 | $175,000 | $175,000 | $175,000 | $96,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Members 1St's 2020 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'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.