Northampton County, PA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 10,866 mortgage applications in Northampton County, PA totaling $2.3 billion, down 28% from 2022. The average application was for $208,000, and applicants reported an average income of $126,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Embassy Bank for the Lehigh Valley, with 493 applications, followed by PNC Bank N.A. and First Commonwealth Federal Cre.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,866 |
| Total Mortgage Loan Application Amount | $2,270,200,000 |
| Average Mortgage Loan Application Amount | $208,000 |
| Highest Mortgage Loan Application Amount | $15,315,000 |
| Average Applicant Income | $126,000 |
| Highest Applicant Income | $3,536,000 |
Top Mortgage Lenders in Northampton County, PA (2023)
Ranked by the number of mortgage applications each lender reported in Northampton County, PA in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Embassy Bank for the Lehigh Valley Bethlehem, PA |
493 | $93,825,000 | $190,000 | $178,000 |
| 2 | PNC Bank N.A. Pittsburgh, PA |
454 | $56,850,000 | $125,000 | $119,000 |
| 3 | First Commonwealth Federal Cre Allentown, PA |
445 | $42,645,000 | $95,000 | $108,000 |
| 4 | Truist Bank Raleigh, NC |
361 | $59,085,000 | $163,000 | $130,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
334 | $84,470,000 | $252,000 | $106,000 |
| 6 | Crosscountry Mortgage, LLC Cleveland, OH |
318 | $89,950,000 | $282,000 | $116,000 |
| 7 | People First Federal Credit Union Allentown, PA |
314 | $26,200,000 | $83,000 | $110,000 |
| 8 | Discover Bank Greenwood, DE |
300 | $24,660,000 | $82,000 | $135,000 |
| 9 | United Wholesale Mortgage Plymouth, MI |
289 | $83,325,000 | $288,000 | $122,000 |
| 10 | Bank of America NA Westlake Village, CA |
282 | $32,390,000 | $114,000 | $124,000 |
The tables below break down 2023 mortgage applications in Northampton County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Northampton County, PA in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 4,812 | $1,435,220,000 | $298,000 | $6,045,000 | $136,000 | $3,514,000 |
| Cash-out Refinancing | 1,701 | $353,155,000 | $207,000 | $6,785,000 | $102,000 | $1,702,000 |
| Home Improvement | 1,695 | $157,075,000 | $92,000 | $15,315,000 | $130,000 | $3,536,000 |
| Other Purpose | 1,625 | $138,445,000 | $85,000 | $735,000 | $126,000 | $1,581,000 |
| Refinancing | 985 | $180,485,000 | $183,000 | $6,255,000 | $124,000 | $1,209,000 |
| Not Applicable | 48 | $5,820,000 | $121,000 | $325,000 | $37,000 | $37,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,343 | $1,134,305,000 | $178,000 | $2,285,000 | $126,000 | $3,536,000 |
| Not Provided | 1,407 | $302,345,000 | $214,000 | $1,025,000 | $136,000 | $3,514,000 |
| Hispanic | 1,077 | $206,475,000 | $191,000 | $4,805,000 | $99,000 | $1,440,000 |
| Not applicable | 1,067 | $380,745,000 | $356,000 | $15,315,000 | $148,000 | $771,000 |
| Black or African American | 513 | $107,655,000 | $209,000 | $2,405,000 | $121,000 | $1,693,000 |
| Asian | 340 | $111,890,000 | $329,000 | $3,575,000 | $182,000 | $1,471,000 |
| American Indian or Alaskan Native | 36 | $5,830,000 | $161,000 | $405,000 | $110,000 | $409,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,230,000 | $230,000 | $535,000 | $147,000 | $408,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,971 | $1,786,985,000 | $199,000 | $15,315,000 | $133,000 | $3,536,000 |
| FHA-insured (Federal Housing Administration) | 1,508 | $358,770,000 | $237,000 | $505,000 | $87,000 | $557,000 |
| VA-guaranteed (Veterans Administration) | 372 | $121,830,000 | $327,000 | $855,000 | $105,000 | $1,839,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,615,000 | $174,000 | $315,000 | $78,000 | $117,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,887 | $1,300,165,000 | $220,000 | $15,315,000 | $134,000 | $1,902,000 |
| Application Denied By Financial Institution | 2,007 | $281,835,000 | $140,000 | $4,405,000 | $99,000 | $3,536,000 |
| Application Withdrawn By Applicant | 1,210 | $279,770,000 | $231,000 | $4,805,000 | $134,000 | $1,839,000 |
| Loan Purchased By The Institution | 894 | $241,170,000 | $269,000 | $1,105,000 | $133,000 | $611,000 |
| File Closed For Incompleteness | 515 | $88,585,000 | $172,000 | $5,005,000 | $126,000 | $3,514,000 |
| Application Approved But Not Accepted | 344 | $75,600,000 | $219,000 | $6,045,000 | $127,000 | $1,056,000 |
| Preapproval Denied by Financial Institution | 5 | $1,585,000 | $317,000 | $455,000 | $138,000 | $260,000 |
| Preapproval Approved but not Accepted | 4 | $1,490,000 | $372,000 | $475,000 | $122,000 | $228,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 8,287 | $1,898,325,000 | $229,000 | $15,315,000 | $132,000 | $3,514,000 |
| Debt-To-Income Ratio | 1,350 | $194,080,000 | $143,000 | $4,725,000 | $107,000 | $1,702,000 |
| Credit History | 534 | $61,110,000 | $114,000 | $695,000 | $104,000 | $1,110,000 |
| Collateral | 249 | $45,535,000 | $182,000 | $3,505,000 | $143,000 | $1,693,000 |
| Credit Application Incomplete | 189 | $26,995,000 | $142,000 | $725,000 | $102,000 | $450,000 |
| Other | 154 | $18,960,000 | $123,000 | $825,000 | $113,000 | $532,000 |
| Unverifiable Information | 57 | $8,735,000 | $153,000 | $365,000 | $153,000 | $3,536,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $9,995,000 | $399,000 | $4,405,000 | $86,000 | $224,000 |
| Employment History | 19 | $6,125,000 | $322,000 | $1,895,000 | $72,000 | $199,000 |
| Mortgage Insurance Denied | 2 | $340,000 | $170,000 | $235,000 | $72,000 | $105,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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