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2024 data HMDA 2024 disclosure official source

Northampton County

11,529 mortgage applications, 18.4% denial rate. Verify FIPS 42095 with U.S. Census Bureau →

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Pennsylvania · FIPS 42095

Local mortgage market. Northampton County, Pennsylvania saw 11,529 HMDA-reported mortgage applications in 2024. Lenders originated 6,160 of those loans and denied 2,121, producing a denial rate of 18.4% and an approval (origination) rate of 53.4%. The average loan amount was $227,102 at an average note rate of 7.16%, with applicants self-reporting average annual income of $37K. 354 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 42095 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,529
Applications
6,160
Originated
18.4%
Denial Rate
53.4%
Approval Rate
$227,102
Avg Loan Amount
7.16%
Avg Interest Rate
$37K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Northampton County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 425 6.9%
2 Embassy Bank for the Lehigh Valley 342 5.6%
3 First Commonwealth Federal Cre 302 4.9%
4 Crosscountry Mortgage, LLC 283 4.6%
5 United Wholesale Mortgage 230 3.7%
Compare Rocket Mortgage vs Embassy Bank for the Lehigh Valley →

Frequently Asked Questions

How many mortgage applications were filed in Northampton County?
In the 2024 HMDA reporting year, 11,529 mortgage applications were filed in Northampton County, Pennsylvania. Of these, 6,160 were originated (approved and funded), while 2,121 were denied, resulting in a denial rate of 18.4%.
What is the mortgage denial rate in Northampton County?
The mortgage denial rate in Northampton County is 18.4%. The approval (origination) rate is 53.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Northampton County?
The average mortgage loan amount in Northampton County is $227,102. The average interest rate is 7.161%. The average applicant income is $37K.
What is the loan-to-income ratio in Northampton County?
The average loan-to-income ratio in Northampton County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Northampton County?
The top mortgage lenders in Northampton County by origination volume are Rocket Mortgage, Embassy Bank for the Lehigh Valley, First Commonwealth Federal Cre. In total, 354 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

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 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.