☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Pennsylvania / Bethlehem

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Bethlehem, Pennsylvania

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Bethlehem, Pennsylvania mortgage lenders include Embassy Bank For the Lehigh ValleyEmbassy Bank For the Lehigh Valley3495 Route 378, Bethlehem, PA 18015A+4.9 ★Texas Ratio: 0.52%, Wells Fargo Bank NAWells Fargo Bank NA52 W Broad St, Bethlehem, PA 18018A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2 W Broad St, Bethlehem, PA 18018A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.10 Stoke Park Rd, Bethlehem, PA 18017A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA29 E 3rd St, Bethlehem, PA 18015A+5.0 ★Texas Ratio: 4.14%, Univest Bank and Trust Co.Univest Bank and Trust Co.574 Main St, Bethlehem, PA 18018A5.0 ★Texas Ratio: 6.10%, Penn Community BankPenn Community Bank2285 Schoenersville Road, Bethlehem, PA 18017A+5.0 ★Texas Ratio: 3.96%, TD BankTD Bank3760 Fairview St, Bethlehem, PA 18017A+5.0 ★Texas Ratio: 3.71%, Fulton Bank, National AssociationFulton Bank, National Association3727 Rt378, Bethlehem, PA 18015A+5.0 ★Texas Ratio: 4.85%, and Cnb BankCnb Bank418 W Broad St, Bethlehem, PA 18018A5.0 ★Texas Ratio: 6.26%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Bethlehem, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bethlehem are listed first, then lenders elsewhere in Pennsylvania, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Bethlehem, Pennsylvania

Market share is the lender's share of all home loans closed in Bethlehem, Pennsylvania. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Embassy Bank For the Lehigh Valley 2 offices in Bethlehem 3495 Route 378, Bethlehem, PA 18015 A+4.9 ★Texas Ratio: 0.52%	Conventional	75	8.1%	75%	$144,466	View
Wells Fargo Bank NA 3 offices in Bethlehem 52 W Broad St, Bethlehem, PA 18018 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	12	1.3%	80%	$175,000	View
JPMorgan Chase Bank, NA 1 office in Bethlehem 2 W Broad St, Bethlehem, PA 18018 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	10 +2 HELOCs	1.1%	90.9%	$189,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Bethlehem 10 Stoke Park Rd, Bethlehem, PA 18017 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	5 +24 HELOCs	0.5%	100%	$221,000	View
Bank of America NA 3 offices in Bethlehem 29 E 3rd St, Bethlehem, PA 18015 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	5 +6 HELOCs	0.5%	62.5%	$213,000	View
Univest Bank and Trust Co. 1 office in Bethlehem 574 Main St, Bethlehem, PA 18018 A5.0 ★Texas Ratio: 6.10%	Conventional, FHA, HELOC	5 +1 HELOCs	0.5%	100%	$305,000	View
Penn Community Bank 1 office in Bethlehem 2285 Schoenersville Road, Bethlehem, PA 18017 A+5.0 ★Texas Ratio: 3.96%	Conventional	4	0.4%	100%	$197,500	View
TD Bank 2 offices in Bethlehem 3760 Fairview St, Bethlehem, PA 18017 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	3 +4 HELOCs	0.3%	100%	$31,666	View
Fulton Bank, National Association 2 offices in Bethlehem 3727 Rt378, Bethlehem, PA 18015 A+5.0 ★Texas Ratio: 4.85%	Conventional, HELOC	3 +1 HELOCs	0.3%	75%	$288,333	View
Cnb Bank 2 offices in Bethlehem 418 W Broad St, Bethlehem, PA 18018 A5.0 ★Texas Ratio: 6.26%	Conventional	3	0.3%	75%	$141,666	View
Truist Bank ★ 1 stars, 1 review 2 offices in Bethlehem 3201 Emrick Blvd, Bethlehem, PA 18020 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +20 HELOCs	0.2%	50%	$255,000	View
Peoples Security Bank and Trust Company 2 offices in Bethlehem 2151 Emrick Blvd, Bethlehem, PA 18020 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	2 +7 HELOCs	0.2%	100%	$310,000	View
Fidelity Deposit & Discount Bank 1 office in Bethlehem 44 E Broad St, Bethlehem, PA 18018 A+5.0 ★Texas Ratio: 0.53%	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$230,000	View
M&T Bank 2 offices in Bethlehem 1 E Broad St, Bethlehem, PA 18018 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$295,000	View
Unity Bank 1 office in Bethlehem 2850 Easton Ave, Bethlehem, PA 18017 A5.0 ★Texas Ratio: 9.27%	Conventional	1	0.1%	100%	$335,000	View
People First Federal Credit Union 2259 Schoenersville Rd, Bethlehem, PA 18017 7418 A5.0 ★Texas Ratio: 9.56%	Conventional	49	5.3%	63.6%	$91,938	View
Mortgage America, Inc. 29 E 3rd St, Bethlehem, PA 18015 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA	21	2.3%	100%	$248,809	View
Pennsylvania State Employees Credit Union 113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23%	Conventional, HELOC	10 +3 HELOCs	1.1%	80%	$84,000	View
Firstrust Savings Bank 1403 N Cedar Crest Blvd, Allentown, PA 18104 A+5.0 ★Texas Ratio: 5.45%	Conventional, FHA	7	0.8%	100%	$209,285	View
Harleysville Bank 271 Main St, Harleysville, PA 19438 A+5.0 ★Texas Ratio: 1.05%	Conventional	6	0.7%	100%	$141,666	View
Allentown Federal Credit Union 801 Ostrum St, Bethlehem, PA 18015	Conventional, HELOC	5 +10 HELOCs	0.5%	83.3%	$143,000
Lehigh Valley Educators Credit Union 3720 Hamilton Blvd, Allentown, PA 18103 A+5.0 ★Texas Ratio: 1.73%	Conventional	5	0.5%	100%	$117,000	View
Citizens Savings Bank 500 S State St, Clarks Summit, PA 18411 A+5.0 ★Texas Ratio: 1.51%	Conventional	5	0.5%	100%	$135,000	View
Quaint Oak Mortgage, LLC 1710 Union Blvd, Allentown, PA 18109 A-5.0 ★Texas Ratio: 14.98%	Conventional, FHA	5	0.5%	100%	$237,000	View
Members 1St FCU 2200 Emrick Blvd, Bethlehem, PA 18020 A+5.0 ★Texas Ratio: 3.79%	Conventional, HELOC	4 +9 HELOCs	0.4%	100%	$70,000	View
First National Bank of PA 2719 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$405,000	View
QNB Bank 950 Mill Creek Rd, Allentown, PA 18106 A+5.0 ★Texas Ratio: 4.97%	Conventional	3	0.3%	100%	$151,666	View
Apci Federal Credit Union 6126 Hamilton Blvd Ste 102, Allentown, PA 18106 A+5.0 ★Texas Ratio: 0.44%	Conventional	3	0.3%	100%	$155,000	View
American Bank 4029 W Tilghman St, Allentown, PA 18104 A+5.0 ★Texas Ratio: 0.26%	Conventional, Jumbo	3	0.3%	100%	$615,000	View
TruMark Financial Credit Union 3250 Tillman Dr, Bensalem, PA 19020 2027 A+5.0 ★Texas Ratio: 3.89%	Conventional, HELOC	2 +2 HELOCs	0.2%	50%	$320,000	View
Ameriserv Financial Bank 101 S Main St, Carrolltown, PA 15722 A+5.0 ★Texas Ratio: 5.69%	Conventional	2	0.2%	100%	$175,000	View
New Tripoli Bank 4892 Buckeye Rd, Emmaus, PA 18049 A5.0 ★Texas Ratio: 8.82%	Conventional	2	0.2%	100%	$150,000	View
Citizens Bank, NA 907 22nd St, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +12 HELOCs	0.1%	100%	$295,000	View
American Heritage Federal Credit Union 1359 Old York Rd, Abington, PA 19001 A5.0 ★Texas Ratio: 9.33%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$45,000	View
Fleetwood Bank 917 Park Rd, Blandon, PA 19510 A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$135,000	View
Sun East Federal Credit Union 4500 Pennell Rd, Aston, PA 19014 1862 A5.0 ★Texas Ratio: 9.77%	Conventional	1	0.1%	100%	$325,000	View
The Neffs National Bank 5629 Route 873, Neffs, PA 18065 A+5.0 ★Texas Ratio: 0.56%	Conventional	1	0.1%	100%	$345,000	View
Northwest Bank 413 S Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 3.99%	Conventional	1	0.1%	100%	$745,000	View
Police and Fire Federal Credit Union 3325 Street Rd, Bensalem, PA 19020 2021 A+5.0 ★Texas Ratio: 0.70%	HELOC	0 +1 HELOCs	0%	n/a		View
Diamond Credit Union 6591 Perkiomen Ave, Birdsboro, PA 19508 A+5.0 ★Texas Ratio: 1.56%	HELOC	0 +1 HELOCs	0%	n/a		View
First Commonwealth Federal Cre	Conventional, HELOC	40 +13 HELOCs	4.3%	89.8%	$136,500
Newrez LLC	Conventional, FHA	15	1.6%	60%	$226,333
Northeast Equitable Mortgage LLC	Conventional	6	0.7%	100%	$290,000
ESSA Bank & Trust	Conventional, HELOC	5 +1 HELOCs	0.5%	85.7%	$117,000
Spring Eq, LLC	Conventional, HELOC	3 +2 HELOCs	0.3%	37.5%	$61,666
Philadelphia Federal Credit Un	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$15,000
Fairway Consumer Discount Co	Conventional	1	0.1%	100%	$85,000
Freedom Credit Uniton	Conventional	1	0.1%	100%	$15,000
Philadelphia Mortgage Advisors, Inc.	Conventional	1	0.1%	100%	$395,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	81	8.8%	97.6%	$269,444
Rocket Mortgage	Conventional, FHA, VA	67	7.3%	79.5%	$156,194
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	47 +2 HELOCs	5.1%	87.3%	$259,468
Guild Mortgage Company	Conventional, FHA	32	3.5%	100%	$244,375	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	23	2.5%	92.9%	$275,869
Planet Home Lending, LLC	Conventional, FHA, VA	23	2.5%	82.1%	$266,304
Prosperity Home Mortgage, LLC	Conventional, FHA, Jumbo	23	2.5%	92%	$288,913
Keystone Funding, Inc	Conventional, FHA	17	1.8%	94.4%	$256,176
Pennymac Loan Services LLC	Conventional, FHA, VA	16	1.7%	94.1%	$200,000
loanDepot.com LLC	Conventional, FHA, HELOC	15 +1 HELOCs	1.6%	88.2%	$232,333
New American Funding, LLC.	Conventional, FHA	15	1.6%	88.2%	$219,000
Freedom Mortgage Corporation A+5.0 ★Texas Ratio: 3.02%	Conventional, FHA, VA	10	1.1%	100%	$242,000	View
Movement Mortgage, LLC	Conventional, FHA	10	1.1%	100%	$251,000
Nationstar Mortgage	Conventional, FHA	10	1.1%	71.4%	$124,000
Mortgage Research Center	VA	10	1.1%	66.7%	$333,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +1 HELOCs	1%	75%	$252,777
American Financial Resources LLC	Conventional, FHA	9	1%	90%	$261,666
T2 Financial LLC	Conventional	9	1%	90%	$263,888
Weichert Financial Services	Conventional, VA	6	0.7%	100%	$306,666
Cardinal Financial Company, Li	Conventional	6	0.7%	100%	$263,333
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	6	0.7%	100%	$290,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.7%	66.7%	$133,333	View
Discover Bank A+5.0 ★Texas Ratio: 2.76%	Conventional	5	0.5%	40%	$77,000	View
Kind Lending, LLC	Conventional, FHA	4	0.4%	100%	$187,500
Amerisave Mortgage Company	Conventional, FHA	4	0.4%	25%	$152,500
Embrace Home Loans, Inc.	Conventional, FHA	4	0.4%	100%	$177,500
V.I.P. Mortgage, Inc. A+5.0 ★Texas Ratio: 2.55%	Conventional	4	0.4%	100%	$195,000	View
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	4	0.4%	100%	$225,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	4	0.4%	80%	$162,500	View
Carrington Mortgage Services LLC	Conventional, FHA	4	0.4%	30.8%	$185,000
Guaranteed Rate, Inc.	Conventional	3	0.3%	100%	$275,000
Absolute Home Mortgage	Conventional, VA	3	0.3%	100%	$278,333
Union Home Mortgage Corp.	Conventional, VA	3	0.3%	100%	$258,333
Provident Funding Associates	Conventional	3	0.3%	100%	$321,666
The Loan Store, Inc	Conventional	3	0.3%	100%	$198,333
IRCO Community Federal Credit Union	Conventional	3	0.3%	75%	$175,000
Reliance First Capital, LLC	Conventional, FHA	3	0.3%	100%	$208,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	3	0.3%	100%	$238,333
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.2%	50%	$235,000
First Alliance Home Mortgage, LLC	FHA	2	0.2%	100%	$260,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$115,000
First Colony Mortgage Corporat	Conventional	2	0.2%	100%	$440,000
Nfm, Inc	Conventional	2	0.2%	100%	$295,000
New Day Financial, LLC.	VA	2	0.2%	100%	$280,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA	2	0.2%	100%	$235,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.2%	66.7%	$260,000	View
Citadel Servicing Corporation	Conventional	2	0.2%	100%	$190,000
Mutual of Omaha Mortgage	FHA, VA	2	0.2%	100%	$235,000
Fairway Independent Mort Corp	Conventional	2	0.2%	100%	$275,000
Residential Home Mortgage Corporation	Conventional	2	0.2%	100%	$355,000
Top Flite Financial, Inc.	FHA	2	0.2%	100%	$170,000
Goodleap, LLC	FHA, HELOC	1 +2 HELOCs	0.1%	50%	$165,000
Sun West Mortgage Company, Inc A5.0 ★Texas Ratio: 9.77%	VA, HELOC	1 +1 HELOCs	0.1%	100%	$555,000	View
Polaris Home Funding Corp.	FHA	1	0.1%	100%	$165,000
Genisys Credit Union	Conventional	1	0.1%	100%	$355,000
Panorama Mortgage Group, LLC	Conventional	1	0.1%	100%	$215,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$165,000	View
Equity Resources Inc	Conventional	1	0.1%	100%	$385,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$295,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$195,000
Equity Prime Mortgage LLC	FHA	1	0.1%	50%	$135,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	50%	$415,000
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$125,000
Dart Bank	Conventional	1	0.1%	100%	$285,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$245,000
Regions Bank A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.1%	100%	$215,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$175,000	View
Resicentral LLC	FHA	1	0.1%	100%	$255,000
Quorum Federal Credit Union	Conventional	1	0.1%	100%	$85,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$265,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$155,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$305,000
Shoreham Bank	FHA	1	0.1%	100%	$25,000
CityWorth Mortgage LLC	Conventional	1	0.1%	100%	$285,000
Loanleaders of America, Inc	Conventional	1	0.1%	100%	$215,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$305,000
Intelliloan, Inc.	FHA	1	0.1%	100%	$315,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$275,000
First Credit Corporation of Ny, Inc.	Conventional	1	0.1%	16.7%	$65,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$335,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	50%	$325,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$195,000	View
Better Mortgage Corporation	Conventional	1	0.1%	50%	$285,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$235,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$275,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$555,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$155,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$395,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$335,000	View
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$265,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Village Capital & Investment	FHA	1	0.1%	100%	$265,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	HELOC	0 +4 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Bethlehem Mortgage Rate Trends

Daily average mortgage rates for Pennsylvania compared with the national average, updated every evening.

30-Year Fixed PA Avg

7.307%

▲ 0.109 vs 7 days ago

15-Year Fixed PA Avg

6.802%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Bethlehem, Pennsylvania

Looking for mortgage lenders near me or mortgage brokers near me in Bethlehem? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bethlehem in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Bethlehem, PA

Use these to narrow the list above. Each category shows how many Bethlehem, PA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 83 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 48 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 17 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in PA 41 lenders headquartered in Pennsylvania, the closest thing to a mortgage lender near you

Who Lends in Bethlehem, PA

Independent mortgage companies closed 62.9 percent of home loans in Bethlehem, Pennsylvania in 2025, banks 22.4 percent and credit unions 14.8 percent. Mortgage America, Inc. was the largest mortgage company, Embassy Bank For the Lehigh Valley the largest bank and People First Federal Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, Embassy Bank For the Lehigh Valley led with 75 loans.

62.9%

Mortgage companies

22.4%

Banks

14.8%

Credit unions

19%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Pennsylvania. State realty transfer tax of 1 percent plus a local tax that is usually another 1 percent (Philadelphia 3.278 percent local, Pittsburgh 4 percent local), for a typical combined 2 percent customarily split between buyer and seller; no mortgage recording tax.

More Pennsylvania Mortgage Lender Pages

All Pennsylvania lenders 905 lenders Philadelphia 392 lenders Pittsburgh 237 lenders Allentown 170 lenders Lancaster 156 lenders Erie 100 lenders Levittown 151 lenders Reading 112 lenders Scranton 128 lenders Altoona 81 lenders York 90 lenders Allison Park 112 lenders Drexel Hill 134 lenders

Frequently Asked Questions About Mortgage Lenders in Bethlehem, PA

Who is the largest mortgage lender in Bethlehem, PA?

By home loans closed in 2025, Embassy Bank For the Lehigh Valley was the largest mortgage lender in Bethlehem, Pennsylvania with 75 loans, about 8.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Bethlehem, PA have the highest approval rates?

Among lenders with meaningful volume in Bethlehem, Pennsylvania, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 97.6 percent, against a 82.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Bethlehem, PA mortgage lenders offer FHA, VA and USDA loans?

48 lenders closed FHA loans in Bethlehem, Pennsylvania in 2025, led by CrossCountry Mortgage, LLC with 27. 17 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Bethlehem, PA lender list?

Yes. 44 banks and 20 credit unions closed home loans in Bethlehem, Pennsylvania in 2025, alongside 83 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Bethlehem, PA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Bethlehem, Pennsylvania during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bethlehem, Pennsylvania for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bethlehem. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.