What people paid for mortgages in Northampton County, PA (2025)
Across 2,682 closed home-purchase loans in 2025, the median interest rate in Northampton was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $6,912 on a median loan of $305,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $6,912
- Median loan amount
- $305,000
2,682 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $8,400
- Median loan amount
- $255,000
1,206 loans, 2025.
Lowest median rates in Northampton (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%84 loans, median costs $3,744
- 2.First Commonwealth Federal Credit Union6.125%41 loans, median costs $5,192
- 3.NVR Mortgage Finance, Inc.6.25%49 loans, median costs $6,967
- 4.Mortgage Research Center, LLC6.25%37 loans, median costs $9,814
- 5.PNC Bank, National Association6.375%47 loans, median costs $5,088
Among lenders with at least 30 closed purchase loans in Northampton County in 2025.
Refinance
- 1.Allentown Federal Credit Union4.94%33 loans, median costs $225
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%105 loans, median costs $11,915
- 3.Embassy Bank For The Lehigh Valley5.875%31 loans, median costs $1,704
- 4.PENNYMAC LOAN SERVICES, LLC5.99%50 loans, median costs $8,639
- 5.CROSSCOUNTRY MORTGAGE, INC.6.24%33 loans, median costs $8,615
Among lenders with at least 30 closed refinance loans in Northampton County in 2025.
Lender by lender in Northampton
Every lender that closed at least 5 qualifying loans in Northampton 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. | 297 | 6.75% | $7,439 | $2,907 | $2,466 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 133 | 6.551% | $8,981 | $3,500 | $2,634 |
| 3 | CMG MORTGAGE, INC. | 106 | 6.625% | $7,174 | $2,338 | $2,063 |
| 4 | Prosperity Home Mortgage, LLC | 100 | 6.625% | $7,430 | $2,761 | $1,440 |
| 5 | Mortgage America, Inc. | 94 | 6.625% | $5,710 | $1,449 | $1,824 |
| 6 | KEYSTONE FUNDING, INC. | 91 | 6.625% | $6,767 | $2,417 | $1,126 |
| 7 | Embassy Bank For The Lehigh Valley | 84 | 6% | $3,744 | $500 | n/a |
| 8 | Rocket Mortgage, LLC | 82 | 6.75% | $6,965 | $3,365 | $3,395 |
| 9 | GUILD MORTGAGE COMPANY | 80 | 6.5% | $6,930 | $2,734 | $1,382 |
| 10 | Ixonia Bank | 73 | 6.625% | $10,539 | $4,970 | $4,071 |
| 11 | PLANET HOME LENDING, LLC | 56 | 6.625% | $9,446 | $2,390 | $1,945 |
| 12 | Loandepot.Com, LLC | 54 | 6.625% | $7,347 | $1,660 | $2,095 |
| 13 | NEWREZ LLC | 51 | 6.625% | $7,195 | $1,717 | $1,104 |
| 14 | NVR Mortgage Finance, Inc. | 49 | 6.25% | $6,967 | $2,132 | $12,351 |
| 15 | PNC Bank, National Association | 47 | 6.375% | $5,088 | $1,280 | $414 |
| 16 | DHI MORTGAGE COMPANY, LTD. | 41 | 6.5% | $5,208 | $250 | $3,080 |
| 17 | First Commonwealth Federal Credit Union | 41 | 6.125% | $5,192 | $990 | $4,966 |
| 18 | The Fidelity Deposit and Discount Bank | 38 | 6.625% | $4,824 | $900 | n/a |
| 19 | Mortgage Research Center, LLC | 37 | 6.25% | $9,814 | $2,561 | $696 |
| 20 | Truist Bank | 36 | 6.49% | $4,886 | $1,250 | $262 |
| 21 | JPMorgan Chase Bank, National Association | 35 | 6.5% | $6,379 | $1,718 | $1,932 |
| 22 | MORTGAGE ACCESS CORP. | 32 | 6.75% | $5,863 | $1,884 | $2,043 |
| 23 | T2 FINANCIAL LLC | 31 | 6.625% | $6,196 | $1,730 | $2,592 |
| 24 | Fulton Bank, National Association | 30 | 6.438% | $7,978 | $1,719 | $5,813 |
| 25 | MOVEMENT MORTGAGE, LLC | 29 | 6.75% | $8,597 | $4,083 | $3,335 |
| 26 | Northeast Equitable Mortgage, LLC | 29 | 6.75% | $8,627 | $4,619 | $3,103 |
| 27 | PENNYMAC LOAN SERVICES, LLC | 26 | 6.625% | $7,340 | $1,638 | $2,654 |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 25 | 6.625% | $9,620 | $2,520 | $2,915 |
| 29 | Wells Fargo Bank, National Association | 24 | 6.375% | $5,241 | $1,480 | $744 |
| 30 | AMERICAN FINANCIAL RESOURCES, INC. | 23 | 6.49% | $7,880 | $1,993 | $1,572 |
| 31 | Broker Solutions, Inc. | 22 | 6.812% | $10,214 | $4,308 | $2,986 |
| 32 | V.I.P. MORTGAGE, INC. | 22 | 6.875% | $5,550 | $1,695 | $544 |
| 33 | Navy Federal Credit Union | 21 | 6.375% | $5,282 | $0 | $421 |
| 34 | KIND LENDING, LLC | 21 | 6.625% | $9,283 | $3,106 | $1,762 |
| 35 | Firstrust Savings Bank | 21 | 6.375% | $7,349 | $1,545 | $1,617 |
| 36 | PEOPLE FIRST FEDERAL CREDIT UNION | 19 | n/a | n/a | n/a | n/a |
| 37 | PROVIDENT FUNDING ASSOCIATES, L.P. | 17 | 6.25% | $5,798 | $1,125 | $1,063 |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 16 | 9% | n/a | n/a | n/a |
| 39 | Univest Bank and Trust Co. | 16 | 6.625% | $6,692 | $1,220 | $2,434 |
| 40 | Bank of America, National Association | 16 | 6.125% | $5,536 | $1,934 | $1,211 |
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 Northampton figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Northampton County in 2025?
The median interest rate on closed home-purchase loans in Northampton County, Pennsylvania in 2025 was 6.625%, across 2,682 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.