Allentown-Bethlehem-Easton
Metropolitan Statistical Area · MSA Code 10900
According to CFPB HMDA 2024 application volume among tracked metros, Allentown-Bethlehem-Easton ranks #86 of 418.
Mortgage lending activity in the Allentown-Bethlehem-Easton 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 Allentown-Bethlehem-Easton Metropolitan Statistical Area (MSA code 10900) financed its book at an average note rate of 7.14%. 20 major lenders are tracked for this metro - Rocket Mortgage, Crosscountry Mortgage, LLC, First Commonwealth Federal Cre lead by origination volume. Among the 418 metros tracked, Allentown-Bethlehem-Easton sits in the 29th percentile for approval-friendliness by denial rate, 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 Allentown-Bethlehem-Easton denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 18.2% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $226,466 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 Allentown-Bethlehem-Easton
In Allentown-Bethlehem-Easton, lead originator Rocket Mortgage funded only 6.2% of 17,620 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 16.2% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Allentown-Bethlehem-Easton's 18.2% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Allentown-Bethlehem-Easton's 33,301 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Allentown-Bethlehem-Easton's $226,466 average loan (deduped against denial and volume peers).
Lenders active in the Allentown-Bethlehem-Easton metro
Rocket Mortgage funded 1,098 of the 17,620 loans originated here, 6.2% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 1,098 | 1,489 | $214,228 | 6.2% |
| 2 | Crosscountry Mortgage, LLC | 898 | 1,256 | $287,922 | 5.1% |
| 3 | First Commonwealth Federal Cre | 860 | 1,338 | $97,138 | 4.9% |
| 4 | United Wholesale Mortgage | 697 | 984 | $309,217 | 4.0% |
| 5 | Embassy Bank for the Lehigh Valley | 661 | 921 | $182,112 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Allentown-Bethlehem-Easton metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Allentown-Bethlehem-Easton borrowers. 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.