Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Northampton County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Northampton County, home to Bethlehem, between 2023 and 2025: 21,775 applications, 16,462 loans actually funded, across 8 kinds of borrowing.
Northampton County at a glance
21,775Applications decided
2023–2025
16,462Loans funded
76% of decisions
74Census tracts
18 ZIP codes
315,927People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 141 applications.
Lending by loan type in Northampton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.3% | 9,361 | $285K | 96% | 377 |
| Home improvement loans | 66.1% | 4,086 | $65K | 93% | 136 |
| Cash-out refinance | 69.7% | 3,681 | $135K | 95% | 202 |
| Refinance | 76.3% | 2,836 | $105K | 95% | 192 |
| Investment property purchase | 88.8% | 1,123 | $185K | 95% | 190 |
| Investment cash-out refinance | 77.8% | 279 | $185K | 92% | 86 |
| Investment refinance | 80.6% | 268 | $185K | 90% | 79 |
| Investment home improvement | 56.7% | 141 | $105K | 95% | 50 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.