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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Northampton County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Northampton County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,086 applications were decided by 136 lenders between 2023 and 2025.

Northampton County at a glance

136Active lenders30 with 20+ decisions
66.1%Market approval rate2,702 of 4,086 decided
$65KTypical loanmedian lender, $10K brackets
93%Borrower take-up2,516 loans funded

How Northampton County compares

Approval rate compared
Northampton County66.1%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Northampton County$65KPennsylvania$65KAll 616 counties$75K

What the data shows

Embassy Bank For The Lehigh Valley made the most home improvement loans in Northampton County, PA, 294 of them.

Goldtech Fortune Consultancy Limited approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.

Only 2 lenders here typically write at or below $35K: First Northern Bank and Trust Company, People First Federal Credit Union.

Approval rate of all 30 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 32% approved of 134Bank of America, National Association: 36% approved of 262Spring Eq, LLC: 46% approved of 81Manufacturers and Traders Trust Company: 47% approved of 60Truist Bank: 50% approved of 146U.S. Bank National Association: 52% approved of 25Affinity: 57% approved of 21Members 1St: 58% approved of 204PNC Bank, National Association: 59% approved of 367Navy Federal Credit Union: 60% approved of 62Pentagon Federal Credit Union: 62% approved of 21Third Federal Savings And Loan Association Of Cleveland: 62% approved of 21First Northern Bank and Trust Company: 63% approved of 27Figure Lending LLC: 63% approved of 76TD Bank, National Association: 63% approved of 79American Heritage FCU: 64% approved of 28People First Federal Credit Union: 66% approved of 352Citizens Bank, National Association: 66% approved of 117Fulton Bank, National Association: 69% approved of 180Peoples Security Bank and Trust Company: 75% approved of 65Embassy Bank For The Lehigh Valley: 76% approved of 396First Commonwealth Federal Credit Union: 77% approved of 385The Fidelity Deposit and Discount Bank: 79% approved of 146Pennsylvania State Employees Credit Union: 85% approved of 116Irco Community Federal Credit Union: 88% approved of 51ESSA Bank & Trust: 91% approved of 53Police & Fire Federal Credit Union: 91% approved of 23APCI Federal Credit Union: 97% approved of 33Coastal Community Bank: 100% approved of 95Goldtech Fortune Consultancy Limited: 100% approved of 25

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Northampton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Embassy Bank For The Lehigh Valley76%300 / 39698%$55K294
2First Commonwealth Federal Credit Union77%298 / 38590%$55K269
3PNC Bank, National Association59%217 / 36798%$85K213
4People First Federal Credit Union66%231 / 35296%$35K222
5Bank of America, National Association36%95 / 26298%$85K93

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 131 more lenders.

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