What people paid for mortgages in Lehigh County, PA (2025)
Across 2,978 closed home-purchase loans in 2025, the median interest rate in Lehigh was 6.624%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $6,814 on a median loan of $305,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.624%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $6,814
- Median loan amount
- $305,000
2,978 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $7,485
- Median loan amount
- $245,000
1,303 loans, 2025.
Lowest median rates in Lehigh (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Embassy Bank For The Lehigh Valley6%70 loans, median costs $3,760
- 2.First Commonwealth Federal Credit Union6.125%40 loans, median costs $4,862
- 3.Mortgage Research Center, LLC6.25%31 loans, median costs $8,113
- 4.MORTGAGE ACCESS CORP.6.312%32 loans, median costs $6,462
- 5.DHI MORTGAGE COMPANY, LTD.6.375%77 loans, median costs $5,297
Among lenders with at least 30 closed purchase loans in Lehigh County in 2025.
Refinance
- 1.Allentown Federal Credit Union4.94%33 loans, median costs $225
- 2.PENNYMAC LOAN SERVICES, LLC5.75%64 loans, median costs $9,304
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.874%137 loans, median costs $8,677
- 4.Embassy Bank For The Lehigh Valley5.875%37 loans, median costs $1,691
- 5.Rocket Mortgage, LLC6.125%177 loans, median costs $9,201
Among lenders with at least 30 closed refinance loans in Lehigh County in 2025.
Lender by lender in Lehigh
Every lender that closed at least 5 qualifying loans in Lehigh County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | CROSSCOUNTRY MORTGAGE, INC. | 298 | 6.625% | $8,475 | $3,156 | $2,650 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 145 | 6.599% | $9,747 | $3,805 | $2,930 |
| 3 | Prosperity Home Mortgage, LLC | 132 | 6.625% | $7,086 | $2,370 | $1,224 |
| 4 | Mortgage America, Inc. | 129 | 6.625% | $5,498 | $1,449 | $2,692 |
| 5 | GUILD MORTGAGE COMPANY | 116 | 6.5% | $6,849 | $2,404 | $1,479 |
| 6 | CMG MORTGAGE, INC. | 114 | 6.625% | $6,451 | $1,670 | $1,494 |
| 7 | Rocket Mortgage, LLC | 95 | 6.625% | $6,745 | $2,960 | $3,482 |
| 8 | Firstrust Savings Bank | 84 | 6.5% | $7,739 | $1,523 | $1,031 |
| 9 | DHI MORTGAGE COMPANY, LTD. | 77 | 6.375% | $5,297 | $250 | $2,522 |
| 10 | NVR Mortgage Finance, Inc. | 72 | 6.375% | $6,921 | $2,370 | $15,353 |
| 11 | Embassy Bank For The Lehigh Valley | 70 | 6% | $3,760 | $500 | n/a |
| 12 | Loandepot.Com, LLC | 59 | 6.75% | $6,873 | $2,052 | $1,644 |
| 13 | PENNYMAC LOAN SERVICES, LLC | 58 | 6.562% | $7,138 | $1,475 | $1,934 |
| 14 | PLANET HOME LENDING, LLC | 53 | 6.5% | $9,742 | $2,390 | $2,746 |
| 15 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 46 | 6.5% | $7,693 | $2,351 | $1,240 |
| 16 | T2 FINANCIAL LLC | 44 | 6.625% | $7,420 | $1,730 | $1,351 |
| 17 | First Commonwealth Federal Credit Union | 40 | 6.125% | $4,862 | $990 | $6,260 |
| 18 | MOVEMENT MORTGAGE, LLC | 38 | 6.688% | $8,112 | $3,413 | $2,520 |
| 19 | Ixonia Bank | 35 | 6.75% | $8,716 | $2,568 | $5,907 |
| 20 | KEYSTONE FUNDING, INC. | 34 | 6.562% | $6,748 | $2,293 | $1,317 |
| 21 | PEOPLE FIRST FEDERAL CREDIT UNION | 32 | n/a | n/a | n/a | n/a |
| 22 | MORTGAGE ACCESS CORP. | 32 | 6.312% | $6,462 | $2,015 | $950 |
| 23 | ESSA Bank & Trust | 32 | 6.5% | $2,509 | $0 | $2,547 |
| 24 | AMERICAN FINANCIAL RESOURCES, INC. | 31 | 6.625% | $7,926 | $2,093 | $1,801 |
| 25 | Mortgage Research Center, LLC | 31 | 6.25% | $8,113 | $2,467 | $765 |
| 26 | Broker Solutions, Inc. | 31 | 6.875% | $10,222 | $4,054 | $2,364 |
| 27 | JPMorgan Chase Bank, National Association | 31 | 6.5% | $4,213 | $927 | $1,609 |
| 28 | Wells Fargo Bank, National Association | 31 | 6.5% | $5,686 | $1,450 | $738 |
| 29 | NEWREZ LLC | 29 | 6.875% | $6,862 | $1,490 | $1,320 |
| 30 | Univest Bank and Trust Co. | 27 | 6.375% | $5,894 | $1,220 | $1,640 |
| 31 | PNC Bank, National Association | 27 | 6.625% | $5,053 | $1,280 | $991 |
| 32 | Northeast Equitable Mortgage, LLC | 26 | 6.625% | $7,439 | $3,613 | $2,676 |
| 33 | Bank of America, National Association | 26 | 6.25% | $2,687 | $938 | $808 |
| 34 | New Tripoli Bank | 25 | n/a | n/a | n/a | n/a |
| 35 | Truist Bank | 22 | 6.387% | $6,039 | $1,370 | $602 |
| 36 | The Federal Savings Bank | 21 | 6.625% | $9,356 | $3,684 | $2,912 |
| 37 | NATIONWIDE MORTGAGE BANKERS, INC. | 21 | 6.75% | $10,329 | $4,611 | $3,487 |
| 38 | V.I.P. MORTGAGE, INC. | 21 | 6.75% | $5,873 | $1,806 | $1,496 |
| 39 | Quaint Oak Mortgage, LLC | 20 | 6.5% | $8,959 | $1,495 | $1,865 |
| 40 | Fulton Bank, National Association | 20 | 6.37% | $6,491 | $1,449 | $862 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Lehigh figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Lehigh County in 2025?
The median interest rate on closed home-purchase loans in Lehigh County, Pennsylvania in 2025 was 6.624%, across 2,978 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.