Members 1St
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Members 1St 2022 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 | 11,695 |
| Total Mortgage Loan Application Amount | $1,232,155,000 |
| Average Mortgage Loan Application Amount | $135,400 |
| Highest Mortgage Loan Application Amount | $1,915,000 |
| Average Applicant Income | $110,600 |
| Highest Applicant Income | $6,070,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| York County Pennsylvania | 2,660 | $ 241,000,000 | $ 90,000 | $ 106,000 |
| Lancaster County Pennsylvania | 2,226 | $ 256,870,000 | $ 115,000 | $ 117,000 |
| Cumberland County Pennsylvania | 2,121 | $ 221,775,000 | $ 104,000 | $ 116,000 |
| Dauphin County Pennsylvania | 1,692 | $ 180,620,000 | $ 106,000 | $ 111,000 |
| Lebanon County Pennsylvania | 594 | $ 75,050,000 | $ 126,000 | $ 112,000 |
| Adams County Pennsylvania | 554 | $ 55,930,000 | $ 100,000 | $ 97,000 |
| Perry County Pennsylvania | 357 | $ 34,115,000 | $ 95,000 | $ 94,000 |
| Berks County Pennsylvania | 337 | $ 34,045,000 | $ 101,000 | $ 115,000 |
| Franklin County Pennsylvania | 173 | $ 13,895,000 | $ 80,000 | $ 89,000 |
| Lehigh County Pennsylvania | 138 | $ 16,560,000 | $ 120,000 | $ 129,000 |
| Schuylkill County Pennsylvania | 89 | $ 9,665,000 | $ 108,000 | $ 96,000 |
| Montgomery County Pennsylvania | 73 | $ 8,485,000 | $ 116,000 | $ 230,000 |
| Northampton County Pennsylvania | 72 | $ 11,420,000 | $ 158,000 | $ 103,000 |
| Chester County Pennsylvania | 56 | $ 6,960,000 | $ 124,000 | $ 199,000 |
| Juniata County Pennsylvania | 39 | $ 3,095,000 | $ 79,000 | $ 69,000 |
| Monroe County Pennsylvania | 37 | $ 2,415,000 | $ 65,000 | $ 95,000 |
| Bucks County Pennsylvania | 26 | $ 2,230,000 | $ 85,000 | $ 128,000 |
| Delaware County Pennsylvania | 26 | $ 3,040,000 | $ 116,000 | $ 160,000 |
| Philadelphia County Pennsylvania | 25 | $ 3,575,000 | $ 143,000 | $ 110,000 |
| Baltimore County Maryland | 24 | $ 3,570,000 | $ 148,000 | $ 260,000 |
| Carroll County Maryland | 24 | $ 2,890,000 | $ 120,000 | $ 109,000 |
| Mifflin County Pennsylvania | 19 | $ 1,655,000 | $ 87,000 | $ 94,000 |
| Northumberland County Pennsylvania | 18 | $ 960,000 | $ 53,000 | $ 79,000 |
| Washington County Maryland | 16 | $ 2,190,000 | $ 136,000 | $ 97,000 |
| Centre County Pennsylvania | 14 | $ 1,900,000 | $ 135,000 | $ 140,000 |
| Snyder County Pennsylvania | 14 | $ 800,000 | $ 57,000 | $ 85,000 |
| Frederick County Maryland | 13 | $ 1,315,000 | $ 101,000 | $ 145,000 |
| Carbon County Pennsylvania | 13 | $ 1,055,000 | $ 81,000 | $ 98,000 |
| Lackawanna County Pennsylvania | 12 | $ 1,490,000 | $ 124,000 | $ 109,000 |
| Allegheny County Pennsylvania | 11 | $ 905,000 | $ 82,000 | $ 106,000 |
| Luzerne County Pennsylvania | 11 | $ 765,000 | $ 69,000 | $ 185,000 |
| Huntingdon County Pennsylvania | 10 | $ 810,000 | $ 81,000 | $ 103,000 |
| Worcester County Maryland | 9 | $ 2,745,000 | $ 305,000 | $ 336,000 |
| Bedford County Pennsylvania | 9 | $ 1,085,000 | $ 120,000 | $ 119,000 |
| Anne Arundel County Maryland | 8 | $ 840,000 | $ 105,000 | $ 160,000 |
| Cecil County Maryland | 8 | $ 700,000 | $ 87,000 | $ 137,000 |
| Harford County Maryland | 8 | $ 720,000 | $ 90,000 | $ 149,000 |
| Fulton County Pennsylvania | 8 | $ 410,000 | $ 51,000 | $ 76,000 |
| Union County Pennsylvania | 8 | $ 790,000 | $ 98,000 | $ 128,000 |
| Sussex County Delaware | 6 | $ 2,590,000 | $ 431,000 | $ 204,000 |
| Baltimore City County Maryland | 6 | $ 290,000 | $ 48,000 | $ 503,000 |
| Blair County Pennsylvania | 5 | $ 375,000 | $ 75,000 | $ 81,000 |
| Cambria County Pennsylvania | 5 | $ 235,000 | $ 47,000 | $ 69,000 |
| Lawrence County Pennsylvania | 5 | $ 465,000 | $ 93,000 | $ 66,000 |
| Lycoming County Pennsylvania | 5 | $ 355,000 | $ 71,000 | $ 51,000 |
| Montgomery County Maryland | 4 | $ 680,000 | $ 170,000 | $ 181,000 |
| Prince George's County Maryland | 4 | $ 250,000 | $ 62,000 | $ 112,000 |
| Beaver County Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 176,000 |
| Bradford County Pennsylvania | 4 | $ 270,000 | $ 67,000 | $ 156,000 |
| Clearfield County Pennsylvania | 4 | $ 300,000 | $ 75,000 | $ 88,000 |
| Columbia County Pennsylvania | 4 | $ 470,000 | $ 117,000 | $ 95,000 |
| Potter County Pennsylvania | 4 | $ 550,000 | $ 137,000 | $ 85,000 |
| Westmoreland County Pennsylvania | 4 | $ 600,000 | $ 150,000 | $ 166,000 |
| Howard County Maryland | 3 | $ 455,000 | $ 151,000 | $ 194,000 |
| Talbot County Maryland | 3 | $ 145,000 | $ 48,000 | $ 82,000 |
| Butler County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 116,000 |
| Pike County Pennsylvania | 3 | $ 205,000 | $ 68,000 | $ 240,000 |
| Wayne County Pennsylvania | 3 | $ 375,000 | $ 125,000 | $ 165,000 |
| Morgan County Alabama | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Calvert County Maryland | 2 | $ 140,000 | $ 70,000 | $ 133,000 |
| Queen Anne's County Maryland | 2 | $ 120,000 | $ 60,000 | $ 160,000 |
| Somerset County Maryland | 2 | $ 50,000 | $ 25,000 | $ 134,000 |
| Wayne County Michigan | 2 | $ 230,000 | $ 115,000 | $ 39,000 |
| Crawford County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 73,000 |
| Fayette County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| McKean County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 42,000 |
| Somerset County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 73,000 |
| Tioga County Pennsylvania | 2 | $ 420,000 | $ 210,000 | $ 144,000 |
| Wyoming County Pennsylvania | 2 | $ 970,000 | $ 485,000 | $ 195,000 |
| Horry County South Carolina | 2 | $ 360,000 | $ 180,000 | $ 92,000 |
| Accomack County Virginia | 2 | $ 480,000 | $ 240,000 | $ 136,000 |
| Kent County Delaware | 1 | $ 575,000 | $ 575,000 | $ 99,000 |
| Brevard County Florida | 1 | $ 405,000 | $ 405,000 | $ 170,000 |
| Citrus County Florida | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Orange County Florida | 1 | $ 305,000 | $ 305,000 | $ 423,000 |
| Osceola County Florida | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| Volusia County Florida | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| DeKalb County Georgia | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Cook County Illinois | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Marion County Indiana | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| Franklin County Maine | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Allegany County Maryland | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Charles County Maryland | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Dorchester County Maryland | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Kent County Maryland | 1 | $ 135,000 | $ 135,000 | $ 188,000 |
| Suffolk County Massachusetts | 1 | $ 435,000 | $ 435,000 | $ 1,169,000 |
| Ottawa County Michigan | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Atlantic County New Jersey | 1 | $ 965,000 | $ 965,000 | $ 555,000 |
| Ocean County New Jersey | 1 | $ 685,000 | $ 685,000 | $ 468,000 |
| Essex County New York | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Fulton County New York | 1 | $ 745,000 | $ 745,000 | $ 671,000 |
| Niagara County New York | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Buncombe County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 506,000 |
| Chowan County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Durham County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Greene County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Franklin County Ohio | 1 | $ 115,000 | $ 115,000 | $ 240,000 |
| Indiana County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Mercer County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 181,000 |
| Sullivan County Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 284,000 |
| Greenville County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Hamilton County Tennessee | 1 | $ 585,000 | $ 585,000 | $ 209,000 |
| Pickett County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 177,000 |
| Alexandria County Virginia | 1 | $ 325,000 | $ 325,000 | $ 184,000 |
| Franklin County Virginia | 1 | $ 385,000 | $ 385,000 | $ 459,000 |
| Loudoun County Virginia | 1 | $ 45,000 | $ 45,000 | $ 206,000 |
| Staunton County Virginia | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Jefferson County West Virginia | 1 | $ 705,000 | $ 705,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Members 1St in 2022
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 | 4,919 | $339,665,000 | $69,000 | $1,505,000 | $116,000 | $4,542,000 |
| Other Purpose | 2,623 | $172,735,000 | $65,000 | $655,000 | $106,000 | $2,860,000 |
| Refinancing | 2,205 | $283,955,000 | $128,000 | $1,915,000 | $111,000 | $2,140,000 |
| Home Purchase | 1,825 | $412,395,000 | $225,000 | $1,365,000 | $119,000 | $6,070,000 |
| Cash-out Refinancing | 123 | $23,405,000 | $190,000 | $515,000 | $101,000 | $692,000 |
| 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 | 9,919 | $1,038,025,000 | $104,000 | $1,915,000 | $113,000 | $6,070,000 |
| Not Provided | 553 | $52,635,000 | $95,000 | $685,000 | $130,000 | $2,860,000 |
| Hispanic | 492 | $41,970,000 | $85,000 | $755,000 | $94,000 | $1,560,000 |
| Black or African American | 406 | $35,040,000 | $86,000 | $735,000 | $104,000 | $1,680,000 |
| Asian | 163 | $20,915,000 | $128,000 | $1,205,000 | $113,000 | $534,000 |
| Not applicable | 135 | $39,595,000 | $293,000 | $1,485,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $1,435,000 | $95,000 | $425,000 | $112,000 | $228,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $410,000 | $51,000 | $125,000 | $107,000 | $250,000 |
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) | 11,589 | $1,208,535,000 | $104,000 | $1,915,000 | $113,000 | $6,070,000 |
| FHA-insured (Federal Housing Administration) | 72 | $13,820,000 | $191,000 | $415,000 | $64,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 26 | $8,060,000 | $310,000 | $535,000 | $105,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,740,000 | $217,000 | $385,000 | $75,000 | $97,000 |
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 | 6,976 | $831,580,000 | $119,000 | $1,915,000 | $121,000 | $2,968,000 |
| Application Denied By Financial Institution | 3,479 | $270,695,000 | $77,000 | $1,505,000 | $92,000 | $6,070,000 |
| Application Withdrawn By Applicant | 1,012 | $101,130,000 | $99,000 | $1,505,000 | $129,000 | $4,542,000 |
| Application Approved But Not Accepted | 221 | $27,355,000 | $123,000 | $805,000 | $115,000 | $407,000 |
| File Closed For Incompleteness | 5 | $895,000 | $179,000 | $245,000 | $84,000 | $118,000 |
| Loan Purchased By The Institution | 2 | $500,000 | $250,000 | $265,000 | $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 | 8,216 | $961,460,000 | $117,000 | $1,915,000 | $122,000 | $4,542,000 |
| Debt-To-Income Ratio | 1,664 | $119,090,000 | $71,000 | $1,505,000 | $77,000 | $2,160,000 |
| Credit History | 687 | $45,605,000 | $66,000 | $1,135,000 | $91,000 | $1,200,000 |
| Unverifiable Information | 433 | $38,245,000 | $88,000 | $805,000 | $137,000 | $6,070,000 |
| Employment History | 307 | $21,275,000 | $69,000 | $485,000 | $81,000 | $1,550,000 |
| Other | 198 | $18,630,000 | $94,000 | $595,000 | $110,000 | $1,476,000 |
| Collateral | 165 | $22,025,000 | $133,000 | $1,205,000 | $121,000 | $1,100,000 |
| Credit Application Incomplete | 19 | $3,705,000 | $195,000 | $635,000 | $129,000 | $564,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,120,000 | $353,000 | $805,000 | $59,000 | $111,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Members 1St's 2022 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.
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with aggregated HMDA statistics today.