Mortgage lending in Northampton County
6,891 mortgages were originated in Northampton County, Pennsylvania, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,891
- Median rate
- 6.750%
- Median lender fees
- $6,126
- Median loan amount
- $215,000
- Median spread over APOR
- 0.377
- Paid discount points
- 32.4%
- Received lender credits
- 18.7%
- Purchases / refinances
- 45.8% / 29.9%
- Conventional / FHA / VA
- 84.2% / 12% / 3.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Northampton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 458 | $5,750 | 6.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 392 | $7,439 | 6.875% |
| Embassy Bank For The Lehigh Valley | 390 | $733 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 274 | $9,952 | 6.375% |
| First Commonwealth Federal Credit Union | 271 | — | 6.750% |
| PNC Bank, National Association | 260 | $5,160 | 8.088% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 205 | — | — |
| Truist Bank | 143 | — | 6.690% |
| CMG MORTGAGE, INC. | 137 | $7,099 | 6.625% |
| Fulton Bank, National Association | 136 | — | 6.490% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Northampton County — not a rule of thumb.
From 4,585 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers