Members 1St
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Members 1St 2023 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 | 10,706 |
| Total Mortgage Loan Application Amount | $1,065,250,000 |
| Average Mortgage Loan Application Amount | $137,200 |
| Highest Mortgage Loan Application Amount | $8,495,000 |
| Average Applicant Income | $114,400 |
| Highest Applicant Income | $5,330,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 2,421 | $ 210,775,000 | $ 87,000 | $ 112,000 |
| Cumberland County Pennsylvania | 1,975 | $ 198,875,000 | $ 100,000 | $ 115,000 |
| Lancaster County Pennsylvania | 1,852 | $ 194,090,000 | $ 104,000 | $ 120,000 |
| Dauphin County Pennsylvania | 1,469 | $ 150,425,000 | $ 102,000 | $ 107,000 |
| Adams County Pennsylvania | 510 | $ 46,940,000 | $ 92,000 | $ 106,000 |
| Lebanon County Pennsylvania | 490 | $ 51,590,000 | $ 105,000 | $ 117,000 |
| Berks County Pennsylvania | 403 | $ 34,335,000 | $ 85,000 | $ 113,000 |
| Perry County Pennsylvania | 315 | $ 27,485,000 | $ 87,000 | $ 100,000 |
| Lehigh County Pennsylvania | 222 | $ 25,950,000 | $ 116,000 | $ 117,000 |
| Franklin County Pennsylvania | 147 | $ 11,095,000 | $ 75,000 | $ 111,000 |
| Northampton County Pennsylvania | 135 | $ 12,485,000 | $ 92,000 | $ 137,000 |
| Schuylkill County Pennsylvania | 69 | $ 5,165,000 | $ 74,000 | $ 93,000 |
| Montgomery County Pennsylvania | 65 | $ 6,755,000 | $ 103,000 | $ 150,000 |
| Chester County Pennsylvania | 54 | $ 7,150,000 | $ 132,000 | $ 187,000 |
| Bucks County Pennsylvania | 49 | $ 4,875,000 | $ 99,000 | $ 131,000 |
| Carroll County Maryland | 34 | $ 2,260,000 | $ 66,000 | $ 130,000 |
| Juniata County Pennsylvania | 33 | $ 2,165,000 | $ 65,000 | $ 79,000 |
| Monroe County Pennsylvania | 31 | $ 4,055,000 | $ 130,000 | $ 145,000 |
| Philadelphia County Pennsylvania | 25 | $ 4,255,000 | $ 170,000 | $ 85,000 |
| Northumberland County Pennsylvania | 23 | $ 1,525,000 | $ 66,000 | $ 83,000 |
| Frederick County Maryland | 18 | $ 2,130,000 | $ 118,000 | $ 141,000 |
| Mifflin County Pennsylvania | 18 | $ 1,610,000 | $ 89,000 | $ 82,000 |
| Baltimore County Maryland | 16 | $ 2,260,000 | $ 141,000 | $ 106,000 |
| Washington County Maryland | 16 | $ 1,910,000 | $ 119,000 | $ 112,000 |
| Carbon County Pennsylvania | 16 | $ 770,000 | $ 48,000 | $ 80,000 |
| Snyder County Pennsylvania | 16 | $ 1,660,000 | $ 103,000 | $ 74,000 |
| Delaware County Pennsylvania | 14 | $ 1,420,000 | $ 101,000 | $ 113,000 |
| Anne Arundel County Maryland | 13 | $ 1,435,000 | $ 110,000 | $ 145,000 |
| Allegheny County Pennsylvania | 13 | $ 2,095,000 | $ 161,000 | $ 150,000 |
| Centre County Pennsylvania | 12 | $ 1,070,000 | $ 89,000 | $ 94,000 |
| Lackawanna County Pennsylvania | 11 | $ 1,515,000 | $ 137,000 | $ 115,000 |
| Blair County Pennsylvania | 10 | $ 740,000 | $ 74,000 | $ 111,000 |
| Luzerne County Pennsylvania | 10 | $ 520,000 | $ 52,000 | $ 72,000 |
| Harford County Maryland | 8 | $ 770,000 | $ 96,000 | $ 142,000 |
| Worcester County Maryland | 8 | $ 2,770,000 | $ 346,000 | $ 199,000 |
| Columbia County Pennsylvania | 8 | $ 700,000 | $ 87,000 | $ 124,000 |
| Sussex County Delaware | 7 | $ 2,605,000 | $ 372,000 | $ 43,000 |
| Cecil County Maryland | 7 | $ 845,000 | $ 120,000 | $ 110,000 |
| Huntingdon County Pennsylvania | 7 | $ 735,000 | $ 105,000 | $ 84,000 |
| Prince George's County Maryland | 6 | $ 760,000 | $ 126,000 | $ 163,000 |
| Lycoming County Pennsylvania | 6 | $ 500,000 | $ 83,000 | $ 90,000 |
| Kent County Delaware | 5 | $ 2,035,000 | $ 407,000 | $ 171,000 |
| Howard County Maryland | 5 | $ 1,465,000 | $ 293,000 | $ 250,000 |
| Clearfield County Pennsylvania | 5 | $ 135,000 | $ 27,000 | $ 81,000 |
| Tioga County Pennsylvania | 5 | $ 365,000 | $ 73,000 | $ 68,000 |
| Union County Pennsylvania | 5 | $ 545,000 | $ 109,000 | $ 204,000 |
| Butler County Pennsylvania | 4 | $ 410,000 | $ 102,000 | $ 102,000 |
| Pike County Pennsylvania | 4 | $ 400,000 | $ 100,000 | $ 191,000 |
| Westmoreland County Pennsylvania | 4 | $ 410,000 | $ 102,000 | $ 93,000 |
| Fairfax County Virginia | 4 | $ 2,090,000 | $ 522,000 | $ 78,000 |
| New Castle County Delaware | 3 | $ 1,825,000 | $ 608,000 | $ 0 |
| Baltimore City County Maryland | 3 | $ 125,000 | $ 41,000 | $ 83,000 |
| New Hanover County North Carolina | 3 | $ 1,705,000 | $ 568,000 | $ 385,000 |
| Bedford County Pennsylvania | 3 | $ 275,000 | $ 91,000 | $ 88,000 |
| Montour County Pennsylvania | 3 | $ 65,000 | $ 21,000 | $ 92,000 |
| Somerset County Pennsylvania | 3 | $ 455,000 | $ 151,000 | $ 129,000 |
| Washington County Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 118,000 |
| Kent County Maryland | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Kent County Michigan | 2 | $ 1,290,000 | $ 645,000 | $ 413,000 |
| Dare County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 77,000 |
| Johnston County North Carolina | 2 | $ 560,000 | $ 280,000 | $ 209,000 |
| Bradford County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 108,000 |
| Cambria County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 73,000 |
| Cameron County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 50,000 |
| Clinton County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 117,000 |
| Fulton County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 102,000 |
| Lawrence County Pennsylvania | 2 | $ 1,510,000 | $ 755,000 | $ 0 |
| Sullivan County Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 104,000 |
| Susquehanna County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 179,000 |
| Wayne County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 151,000 |
| Loudoun County Virginia | 2 | $ 1,250,000 | $ 625,000 | $ 0 |
| Hampshire County West Virginia | 2 | $ 470,000 | $ 235,000 | $ 192,000 |
| Houston County Alabama | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Windham County Connecticut | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Holmes County Florida | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Pinellas County Florida | 1 | $ 545,000 | $ 545,000 | $ 168,000 |
| Sarasota County Florida | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Sumter County Florida | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Paulding County Georgia | 1 | $ 315,000 | $ 315,000 | $ 127,000 |
| Kane County Illinois | 1 | $ 485,000 | $ 485,000 | $ 264,000 |
| Will County Illinois | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Marion County Indiana | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
| Jefferson County Kentucky | 1 | $ 605,000 | $ 605,000 | $ 221,000 |
| Calvert County Maryland | 1 | $ 105,000 | $ 105,000 | $ 229,000 |
| Charles County Maryland | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Dorchester County Maryland | 1 | $ 215,000 | $ 215,000 | $ 32,000 |
| Montgomery County Maryland | 1 | $ 155,000 | $ 155,000 | $ 234,000 |
| Talbot County Maryland | 1 | $ 1,125,000 | $ 1,125,000 | $ 646,000 |
| Plymouth County Massachusetts | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| Otsego County Michigan | 1 | $ 195,000 | $ 195,000 | $ 102,000 |
| Wayne County Michigan | 1 | $ 15,000 | $ 15,000 | $ 76,000 |
| Atlantic County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Bergen County New Jersey | 1 | $ 725,000 | $ 725,000 | $ 193,000 |
| Cape May County New Jersey | 1 | $ 705,000 | $ 705,000 | $ 320,000 |
| Dutchess County New York | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Livingston County New York | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Monroe County New York | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Saratoga County New York | 1 | $ 445,000 | $ 445,000 | $ 149,000 |
| Alamance County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 235,000 |
| Brunswick County North Carolina | 1 | $ 695,000 | $ 695,000 | $ 482,000 |
| Chowan County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Cumberland County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Franklin County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 300,000 |
| Guilford County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 235,000 |
| Armstrong County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Beaver County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Crawford County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Elk County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 127,000 |
| Fayette County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Jefferson County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Potter County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 275,000 |
| Venango County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Warren County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Beaufort County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 404,000 |
| Salt Lake County Utah | 1 | $ 425,000 | $ 425,000 | $ 122,000 |
| Franklin County Vermont | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Accomack County Virginia | 1 | $ 245,000 | $ 245,000 | $ 288,000 |
| Albemarle County Virginia | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| Arlington County Virginia | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Campbell County Virginia | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Hanover County Virginia | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Portsmouth County Virginia | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Marion County West Virginia | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for Members 1St in 2023
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 | 4,560 | $339,290,000 | $74,000 | $1,655,000 | $111,000 | $2,602,000 |
| Other Purpose | 3,084 | $209,440,000 | $67,000 | $845,000 | $109,000 | $5,330,000 |
| Refinancing | 1,909 | $242,865,000 | $127,000 | $8,495,000 | $123,000 | $4,846,000 |
| Home Purchase | 1,118 | $267,360,000 | $239,000 | $3,045,000 | $126,000 | $2,574,000 |
| Cash-out Refinancing | 35 | $6,295,000 | $179,000 | $365,000 | $103,000 | $247,000 |
| 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 | 8,986 | $855,780,000 | $95,000 | $1,865,000 | $115,000 | $5,330,000 |
| Hispanic | 574 | $47,530,000 | $82,000 | $1,445,000 | $101,000 | $2,602,000 |
| Black or African American | 462 | $40,810,000 | $88,000 | $725,000 | $92,000 | $885,000 |
| Not Provided | 368 | $42,900,000 | $116,000 | $625,000 | $143,000 | $1,581,000 |
| Asian | 178 | $28,270,000 | $158,000 | $725,000 | $129,000 | $1,690,000 |
| Not applicable | 117 | $47,655,000 | $407,000 | $8,495,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $1,760,000 | $125,000 | $685,000 | $100,000 | $351,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $545,000 | $77,000 | $165,000 | $107,000 | $152,000 |
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) | 10,631 | $1,047,205,000 | $98,000 | $8,495,000 | $114,000 | $5,330,000 |
| FHA-insured (Federal Housing Administration) | 59 | $12,345,000 | $209,000 | $405,000 | $76,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 13 | $5,075,000 | $390,000 | $665,000 | $121,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $625,000 | $208,000 | $255,000 | $86,000 | $100,000 |
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 | 5,594 | $588,830,000 | $105,000 | $8,495,000 | $121,000 | $1,750,000 |
| Application Denied By Financial Institution | 3,895 | $337,215,000 | $86,000 | $1,505,000 | $100,000 | $4,846,000 |
| Application Withdrawn By Applicant | 1,010 | $104,400,000 | $103,000 | $1,505,000 | $131,000 | $5,330,000 |
| Application Approved But Not Accepted | 180 | $22,380,000 | $124,000 | $845,000 | $123,000 | $521,000 |
| Loan Purchased By The Institution | 21 | $9,805,000 | $466,000 | $1,105,000 | $0 | $0 |
| File Closed For Incompleteness | 6 | $2,620,000 | $436,000 | $805,000 | $187,000 | $433,000 |
| 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 | 6,811 | $728,035,000 | $106,000 | $8,495,000 | $123,000 | $5,330,000 |
| Debt-To-Income Ratio | 1,953 | $168,615,000 | $86,000 | $1,505,000 | $82,000 | $3,744,000 |
| Credit History | 800 | $51,720,000 | $64,000 | $655,000 | $123,000 | $4,846,000 |
| Unverifiable Information | 620 | $59,040,000 | $95,000 | $1,255,000 | $112,000 | $645,000 |
| Other | 290 | $34,910,000 | $120,000 | $905,000 | $113,000 | $2,574,000 |
| Collateral | 197 | $19,045,000 | $96,000 | $665,000 | $118,000 | $1,043,000 |
| Employment History | 33 | $2,695,000 | $81,000 | $305,000 | $93,000 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,190,000 | $595,000 | $1,105,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Members 1St's 2023 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.