# MEMBERS 1ST

> **Canonical URL:** https://saferate.com/lenders/members-1st


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MEMBERS 1ST is a credit union, headquartered in Enola, PA, serving borrowers across 15 states, with 655 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300SWKVL60SKWK981
- **Headquarters:** Enola, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** CO, CT, DE, FL, MD, ME, NC, NV, NY, OH, PA, SC, TN, VA, WV
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.053%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,335
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 655
- **Dollar Volume:** $155 million
- **Applications Received:** 853
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $237,336
- **Average Borrower Income:** $116,505
- **Average Property Value:** $337,947

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 603 | +0.052% | $1,287 | Strong 😀 |
| FHA | 59/100 | 34 | +0.209% | $1,504 | Sound ☺️ |
| VA | 57/100 | 14 | -0.417% | $3,019 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 449 loans, Score: 69/100 (Strong)
- Refinance: 154 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 32 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 495 | $122M | +0.064% | Strong 😀 |
| Refinance | 72/100 | 160 | $33M | +0.014% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 624 | 0.52% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Harrisburg | PA | 286 | 100/100 |
| York | PA | 112 | 76/100 |
| Lancaster, PA | PA | 75 | 78/100 |
| Non |  | 56 | 43/100 |
| Lebanon, PA | PA | 32 | 67/100 |
| Gettysburg, PA | PA | 21 | 64/100 |
| Chambersburg, PA | PA | 17 | 56/100 |
| Reading, PA | PA | 14 | 47/100 |

## Where This Lender Ranks

MEMBERS 1ST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Gettysburg, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Pennsylvania for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Harrisburg
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders)
- 🥈 **#2** in Harrisburg for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Lancaster, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Lebanon, PA
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders)
- 🥈 **#2** in Lebanon, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Pennsylvania Credit Unions
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Harrisburg for Conventional Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in York
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders)
- 🥉 **#3** in York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Lancaster, PA
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders)
- 🥉 **#3** in Lebanon, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Gettysburg, PA
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders)
- 🥉 **#3** in Gettysburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Chambersburg, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Reading, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in York for Conventional Loans
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Lancaster, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Harrisburg for FHA Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does MEMBERS 1ST offer?

MEMBERS 1ST offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MEMBERS 1ST offer mortgages?

MEMBERS 1ST offers mortgages in 15 states: CO, CT, DE, FL, MD, ME, NC, NV, NY, OH, PA, SC, TN, VA, WV.

### How competitive are MEMBERS 1ST's mortgage rates?

MEMBERS 1ST has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.053% above market average.

### What type of lender is MEMBERS 1ST?

MEMBERS 1ST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Enola, PA.

### What is MEMBERS 1ST's loan approval success rate?

MEMBERS 1ST has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/members-1st

### How to Cite

> "MEMBERS 1ST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/members-1st

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