Lancaster
Metropolitan Statistical Area · MSA Code 29540
According to CFPB HMDA 2024 application volume among tracked metros, Lancaster ranks #148 of 418.
Mortgage lending activity in the Lancaster metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Lancaster Metropolitan Statistical Area (MSA code 29540) recorded 17,697 HMDA-reported mortgage applications in 2024. Lenders originated 10,202 of those and denied others at a rate of 19.6%, for an approval (origination) rate of 57.6%. The average loan amount across the MSA was $204,304 at an average note rate of 6.75%. 20 major lenders are tracked for this metro - Members 1st, Fulton Bank, National Association, Guild Mortgage Company lead by origination volume. Among the 418 metros tracked, Lancaster ranks #355 by denial rate (the 15th percentile for approval-friendliness), and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Lancaster denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 19.6% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $204,304 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lancaster
In Lancaster, lead originator Members 1st funded 11.2% of 10,202 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 25.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Lancaster's 19.6% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Lancaster's 17,697 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Lancaster's $204,304 average loan (deduped against denial and volume peers).
Lenders active in the Lancaster metro
Members 1st funded 1,145 of the 10,202 loans originated here, 11.2% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Members 1st | 1,145 | 2,106 | $112,692 | 11.2% |
| 2 | Fulton Bank, National Association | 820 | 1,172 | $184,642 | 8.0% |
| 3 | Guild Mortgage Company | 602 | 697 | $273,680 | 5.9% |
| 4 | The Ephrata National Bank | 497 | 759 | $191,047 | 4.9% |
| 5 | Rocket Mortgage | 471 | 621 | $227,593 | 4.6% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Lancaster borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Lancaster page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.