Members 1st in Pennsylvania vs the state
30.9%Denial rate+12.65 pts vs state
33.8%Decision denial rate+11.63 pts vs state
58.6%Origination rate-2.35 pts vs state
1.99%Median rate-4.64 pts vs state
-5.16Rate spread (pts)-5.40 pts vs state
$102kMedian applicant income
6,367Loans originated
3,361Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,494 | 5,501 | 36.4% | 1.99% | #4 |
| 2024 | 11,450 | 6,155 | 36.7% | 1.99% | #4 |
| 2025 | 10,863 | 6,367 | 30.9% | 1.99% | #6 |
What Members 1st lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Members 1st applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 2,415 | 1,417 | 755 | 31.3% |
| Lancaster County | 2,003 | 1,216 | 591 | 29.5% |
| Cumberland County | 1,811 | 1,144 | 466 | 25.7% |
| Dauphin County | 1,383 | 809 | 433 | 31.3% |
| Adams County | 487 | 298 | 142 | 29.2% |
| Berks County | 457 | 262 | 158 | 34.6% |
| Lebanon County | 428 | 227 | 154 | 36.0% |
| Perry County | 342 | 206 | 96 | 28.1% |
| Lehigh County | 307 | 149 | 126 | 41.0% |
| Northampton County | 175 | 98 | 60 | 34.3% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 10,863 applications in 2025, of which 6,367 were originated and 3,361 denied.
30.9% of all applications, or 33.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Members 1st originated in Pennsylvania in 2025 was 1.99%, against a statewide median of 6.63%.
About this data. Figures are Members 1st's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology