MEMBERS 1ST closing costs and rates (2024)
In 2024, MEMBERS 1ST originated 453 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $4,404. That is $2,337 below the national median of $6,741. MEMBERS 1ST is most active in Pennsylvania with 434 originations there.
Purchase Originations
453
Median Total Costs
$4,404
−34.7% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$995
Median Lender Credits
$13
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 409 | 6.500% | $4,274 | $995 |
| fha | 32 | 6.125% | $8,809 | $1,220 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 434 | 6.500% | $4,404 | #50 |
| Maryland | 3 | 6.500% | $10,959 | — |
| North Carolina | 3 | 7.000% | $7,076 | — |
| Florida | 2 | 6.562% | $6,987 | — |
| South Carolina | 2 | 6.375% | $3,600 | — |
| Virginia | 2 | 6.812% | $7,646 | — |
| West Virginia | 2 | 6.875% | $3,092 | — |
| Colorado | 1 | 6.625% | $3,571 | — |
| Connecticut | 1 | 6.125% | $3,996 | — |
| Delaware | 1 | 6.500% | $7,219 | — |
| Ohio | 1 | 7.125% | $2,672 | — |
| Tennessee | 1 | 6.000% | $9,386 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,672 | 7.125% | — | 1 | −$1,732 | |
| 2 | $3,334 | 6.125% | — | 2 | −$1,070 | |
| 3 | $3,909 | 6.625% | — | 15 | −$495 | |
| 4 | $3,981 | 7.000% | — | 1 | −$423 | |
| 5 | $4,027 | 6.875% | — | 11 | −$377 | |
| 6 | $4,066 | 6.312% | — | 8 | −$338 | |
| 7 | $4,131 | 6.250% | — | 9 | −$273 | |
| 8 | $4,321 | 6.375% | — | 73 | −$83 | |
| 9 | $4,328 | 6.188% | — | 2 | −$76 | |
| 10 | $4,334 | 6.250% | — | 49 | −$70 | |
| 11 | $4,417 | 6.438% | — | 2 | +$13 | |
| 12 | $4,480 | 6.500% | — | 11 | +$76 | |
| 13 | $4,540 | 7.375% | — | 2 | +$136 | |
| 14 | $4,575 | 6.500% | — | 106 | +$171 | |
| 15 | $4,594 | 6.375% | — | 98 | +$190 | |
| 16 | $5,106 | 6.625% | — | 27 | +$702 | |
| 17 | $5,389 | 5.625% | — | 2 | +$985 | |
| 18 | $6,065 | 6.312% | — | 4 | +$1,661 | |
| 19 | $6,505 | 6.000% | — | 2 | +$2,101 | |
| 20 | $11,534 | 6.375% | — | 2 | +$7,130 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.