Members 1St mortgage approval rate & lending review
Members 1St decided 21,225 mortgage applications and funded 13,702 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Members 1St reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Members 1St at a glance
Approval is 3.4 points below the 69.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 75% | 1,895 / 2,523 | 97% | $225K | 1,831 |
| Home improvement loans | 63% | 7,626 / 12,030 | 97% | $55K | 7,395 |
| Cash-out refinance | 84% | 47 / 56 | 94% | $185K | 44 |
| Refinance | 69% | 4,192 / 6,060 | 98% | $95K | 4,087 |
| Investment property purchase | 84% | 205 / 245 | 97% | $145K | 198 |
| Investment refinance | 70% | 109 / 155 | 88% | $125K | 96 |
| Investment home improvement | 32% | 46 / 143 | 91% | $85K | 42 |
Members 1St lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 67% | $55K | 20,899 | 13,505 |
| Maryland | 55% | $75K | 211 | 110 |
| New Jersey | 68% | $215K | 28 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Members 1St lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, PA | Home improvement loans | 64% | 2,760 | 1,719 |
| Lancaster County, PA | Home improvement loans | 65% | 2,356 | 1,481 |
| Cumberland County, PA | Home improvement loans | 70% | 2,138 | 1,459 |
| Dauphin County, PA | Home improvement loans | 59% | 1,739 | 1,006 |
| York County, PA | Refinance | 67% | 1,472 | 966 |
| Cumberland County, PA | Refinance | 73% | 1,199 | 846 |
| Lancaster County, PA | Refinance | 71% | 1,193 | 830 |
| Dauphin County, PA | Refinance | 68% | 798 | 529 |
| Cumberland County, PA | Mortgage lenders | 74% | 532 | 385 |
| York County, PA | Mortgage lenders | 77% | 497 | 374 |
| Adams County, PA | Home improvement loans | 63% | 587 | 364 |
| Dauphin County, PA | Mortgage lenders | 78% | 428 | 326 |
The county markets where Members 1St made the most loans. Each link opens that market with every lender ranked.
Questions about Members 1St
What is Members 1St's mortgage approval rate?
Members 1St approved 66.6% of the 21,225 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.4 points below the 69.9% national rate for the same mix of loan types.
How often do borrowers take the loan Members 1St offers?
Borrowers accepted 97% of the loans Members 1St approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Members 1St make?
The typical home improvement loan loan Members 1St made was $55K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Members 1St lend?
Members 1St decided applications in 26 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and New Jersey.
Can I apply to Members 1St directly?
Yes. Members 1St is a bank or credit union with 66 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Members 1St's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Members 1St treats applications, then get a rate quote from the lender.