Embassy Bank For The Lehigh Valley in Pennsylvania vs the state
15.4%Denial rate-2.93 pts vs state
16.5%Decision denial rate-5.74 pts vs state
76.1%Origination rate+15.16 pts vs state
6.25%Median rate-0.38 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$131kMedian applicant income
813Loans originated
164Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 976 | 698 | 16.7% | 5.99% | #79 |
| 2024 | 952 | 685 | 18.6% | 6.50% | #82 |
| 2025 | 1,068 | 813 | 15.4% | 6.25% | #84 |
What Embassy Bank For The Lehigh Valley lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Embassy Bank For The Lehigh Valley applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Northampton County | 524 | 390 | 90 | 17.2% |
| Lehigh County | 506 | 395 | 72 | 14.2% |
| Berks County | 15 | 10 | 0 | 0.0% |
| Bucks County | 11 | 10 | 0 | 0.0% |
| Carbon County | 5 | 2 | 1 | 20.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Delaware County | 2 | 2 | 0 | 0.0% |
| Lebanon County | 1 | 1 | 0 | 0.0% |
| Chester County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,068 applications in 2025, of which 813 were originated and 164 denied.
15.4% of all applications, or 16.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Embassy Bank For The Lehigh Valley originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Embassy Bank For The Lehigh Valley's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology