Applications / Mortgage Analytics / Lenders / Pennsylvania / First Northern Bank and Trust Company
Palmerton, PA · State member bank · FRS · $936 million assets · 142 loans in 2025
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142
loans originated, 2025
197
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Northern Bank and Trust Company, a bank in Palmerton, PA, makes a larger share of its loans to low- and moderate-income borrowers than about nine in ten similar lenders.
Low- and moderate-income (LMI) borrowers took 41.7% of its loans, against 27.3% at similar lenders (state member banks making between half and twice as many loans). In 2020 the figure was 25.3%. Its smaller typical loan, $150,000 against $175,000, fits that mix.
Home purchases made up 38.7% of its loans and refinances 23.2%. Home improvement took 21.1% and other purposes 16.9%. All were conventional, and none were jumbo.
In Allentown-Bethlehem-Easton, NJ-PA it ranked 60 of 521 lenders with a 0.4% share, unchanged from 2024. It has lent there since at least 1990, as The First National Bank of Palmerton until its renaming in 2011. CrossCountry Mortgage, Rocket Mortgage and United Wholesale Mortgage lead the market.
Its loans rose 8% to 142, the same as at the typical similar lender and below the whole market's 10%. In 2020 it made 272, about twice as many.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Northern Bank and Trust Company took 197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.7% · Refinance 23.2% · Home improvement 21.1% · Other 16.9%
Conventional 100.0% · of 142 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 | 141 | 99.3% |
| New Jersey | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 83 |
| Scranton--Wilkes-Barre | 3 |
| Reading | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E5GFWPFRJR4I76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 186717 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18930 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 2186717 | 2012–2017 |
Established 24 October 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Northern Bank and Trust Company's data.
First Northern Bank and Trust Company's data
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First Northern Bank and Trust Company 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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