Applications / Mortgage Analytics / Lenders / Pennsylvania / Embassy Bank for the Lehigh Valley
Bethlehem, PA · State non-member bank · FDIC · $1.8 billion assets · 816 loans in 2025
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816
loans originated, 2025
1,072
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Embassy Bank for the Lehigh Valley is a local bank ranking fourth in Allentown-Bethlehem-Easton, where it gained share in 2025 as its originations rose 19%, faster than most similar lenders.
Originations rose 19% to 816, against 9% for the typical similar lender (state non-member banks making between half and twice as many loans) and 10% for the whole market, faster than about three-quarters of them. The total remains below the 1,095 of 2020.
It ranks 4 of 521 in Allentown-Bethlehem-Easton, with its share up 0.3 points to 3.3%. CrossCountry Mortgage, Rocket Mortgage and United Wholesale Mortgage rank ahead of it. Outside that market its shares are small, such as 122 of 365 in Reading.
Purchases make up 30.1% of its loans, home improvement 26.2%, refinances 23.9% and other purposes 19.7%, all conventional. Its typical loan, $135,000, is smaller than the $195,000 of similar lenders, lower than most of them, which fits the home-improvement and other-purpose share.
Its typical rate was 6.25%, against 6.75% at similar lenders, and none of its loans were higher-priced (a rate well above the average for similar loans), against 1.5% at similar lenders. Its denial rate on first-lien home-purchase applications for owner-occupied homes, 1.7%, is lower than at about nine in ten similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Embassy Bank for the Lehigh Valley took 1,072 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.1% · Home improvement 26.2% · Refinance 23.9% · Other 19.7%
Conventional 100.0% · of 816 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 813 | 99.6% |
| New Jersey | 2 | 0.2% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 789 |
| Montgomery County-Bucks County-Chester County | 13 |
| Reading | 10 |
| Philadelphia | 2 |
| Lebanon | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PBL633P0UGLP11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3068579 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357228 | 2003–2017 |
Established 6 November 2001. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Embassy Bank for the Lehigh Valley's data.
Embassy Bank for the Lehigh Valley's data
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Embassy Bank for the Lehigh Valley and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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