Purchase Originations
158
Median Total Costs
$3,785
−43.3% vs national ($6,680)
↑ $91 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$500
Median Lender Credits
$29
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 158 | 6.000% | $3,785 | $500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 156 | 6.000% | $3,785 | #122 |
| Florida | 1 | 7.250% | $4,536 | — |
| New Jersey | 1 | 6.625% | $1,300 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,300 | 6.625% | — | 1 | −$2,485 | |
| 2 | $3,744 | 6.000% | — | 81 | −$41 | |
| 3 | $3,760 | 6.000% | — | 67 | −$25 | |
| 4 | $4,228 | 6.000% | — | 1 | +$443 | |
| 5 | $4,413 | 5.750% | — | 1 | +$628 | |
| 6 | $4,536 | 7.250% | — | 1 | +$751 | |
| 7 | $4,677 | 5.688% | — | 4 | +$892 | |
| 8 | $5,492 | 6.000% | — | 2 | +$1,707 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Embassy Bank For The Lehigh Valley | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $3,785 | $7,127 | −$3,342 (−46.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.