Mortgage lending in Northampton County, Pennsylvania
Lenders in Northampton County, Pennsylvania reported 11,429 mortgage applications for 2025, according to the CFPB.
11,429 mortgage applications and 6,892 loans originated in 2025; the denial rate was 21.9% of 9,296 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Allentown-Bethlehem-Easton, PA HUD Metro FMR Area.
- 11,429
- Applications
- 6,892
- Loans originated
- 21.9%
- Denial rate
- 2,033 denied of 9,296 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,429 | 6,892 |
| 2024 | 10,487 | 6,160 |
| 2023 | 10,044 | 5,905 |
| 2022 | 13,554 | 8,227 |
| 2021 | 21,207 | 13,597 |
| 2020 | 18,581 | 11,899 |
| 2019 | 13,516 | 8,301 |
| 2018 | 12,098 | 7,213 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 458 | 639 |
| Crosscountry Mortgage, LLC | 392 | 557 |
| Embassy Bank for the Lehigh Valley | 390 | 524 |
| United Wholesale Mortgage | 274 | 402 |
| First Commonwealth Federal Cre | 271 | 393 |
| PNC Bank N.A. | 260 | 438 |
| People First Federal Credit Union | 205 | 359 |
| Truist Bank | 143 | 265 |
| CMG Mortgage Inc | 138 | 197 |
| Fidelity Deposit & Discount Bank | 136 | 175 |
| Fulton Bank, National Association | 136 | 223 |
| Prosperity Home Mortgage, LLC | 125 | 157 |
| Newrez LLC | 118 | 321 |
| Pennymac Loan Services LLC | 112 | 218 |
| Keystone Funding, Inc | 111 | 115 |
| Mortgage America, Inc. | 110 | 129 |
| loanDepot.com LLC | 108 | 160 |
| Guild Mortgage Company | 100 | 150 |
| Pennsylvania State Employees Credit Union | 100 | 153 |
| Members 1ST Fcu | 98 | 175 |
| Ixonia Bank | 90 | 100 |
| Peoples Security Bank and Trust Company | 89 | 122 |
| Citizens Bank, NA | 87 | 141 |
| Planet Home Lending, LLC | 79 | 95 |
| Nationstar Mortgage | 72 | 101 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 60 | no rate: base under 50 |
| Asian | 385 | 24.3% of 288 decided |
| Black or African American | 590 | 37.2% of 465 decided |
| Native Hawaiian or Other Pacific Islander | 33 | no rate: base under 50 |
| White | 7,931 | 19.8% of 6,612 decided |
| 2 or more minority races | withheld | |
| Joint | 174 | 16.8% of 155 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,234 | 24.9% of 1,687 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,380 | 30.7% of 1,135 decided |
| Not Hispanic or Latino | 7,831 | 20.3% of 6,464 decided |
| Joint | 265 | 13.9% of 223 decided |
| Ethnicity Not Available | 1,943 | 23.1% of 1,468 decided |
| Free Form Text Only | 10 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,950 | 24.4% of 3,167 decided |
| Female | 2,391 | 25.8% of 1,955 decided |
| Joint | 3,973 | 16.5% of 3,366 decided |
| Sex Not Available | 1,115 | 25.0% of 808 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 925 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved