Mortgage lending in Lackawanna County, Pennsylvania
Lenders in Lackawanna County, Pennsylvania reported 7,369 mortgage applications for 2025, according to the CFPB.
7,369 mortgage applications and 4,542 loans originated in 2025; the denial rate was 20.0% of 5,984 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Scranton--Wilkes-Barre, PA MSA.
- 7,369
- Applications
- 4,542
- Loans originated
- 20.0%
- Denial rate
- 1,199 denied of 5,984 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,369 | 4,542 |
| 2024 | 6,659 | 4,099 |
| 2023 | 5,989 | 3,576 |
| 2022 | 7,914 | 5,038 |
| 2021 | 10,710 | 6,810 |
| 2020 | 9,004 | 5,812 |
| 2019 | 6,861 | 4,245 |
| 2018 | 6,412 | 3,892 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Fidelity Deposit & Discount Bank | 310 | 424 |
| Rocket Mortgage | 308 | 426 |
| Peoples Security Bank and Trust Company | 265 | 373 |
| NBT Bank NA | 199 | 278 |
| Net Credit Union | 193 | 353 |
| The Honesdale National Bank | 182 | 198 |
| Ixonia Bank | 178 | 220 |
| Community Bank, N.A. | 133 | 196 |
| Penn East Federal Credit Union | 124 | 167 |
| PNC Bank N.A. | 114 | 239 |
| Guild Mortgage Company | 113 | 139 |
| United Wholesale Mortgage | 107 | 174 |
| Crosscountry Mortgage, LLC | 107 | 165 |
| First National Bank of PA | 107 | 165 |
| Pennymac Loan Services LLC | 104 | 165 |
| PS Bank | 102 | 131 |
| Pennsylvania State Employees Credit Union | 93 | 120 |
| Loan Funder LLC | 61 | 98 |
| Mortgage Research Center | 60 | 115 |
| The Dime Bank | 60 | 79 |
| Newrez LLC | 52 | 127 |
| Kind Lending, LLC | 52 | 71 |
| Kiavi Funding, Inc. | 51 | 80 |
| Citizens Bank, NA | 51 | 100 |
| Citizens Savings Bank | 47 | 62 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 22 | no rate: base under 50 |
| Asian | 208 | 16.8% of 155 decided |
| Black or African American | 184 | 26.3% of 137 decided |
| Native Hawaiian or Other Pacific Islander | 11 | no rate: base under 50 |
| White | 5,232 | 19.4% of 4,341 decided |
| 2 or more minority races | under 10 | |
| Joint | 67 | 18.9% of 53 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,641 | 21.6% of 1,269 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 646 | 25.0% of 496 decided |
| Not Hispanic or Latino | 5,165 | 19.2% of 4,264 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,465 | 21.0% of 1,146 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,688 | 21.9% of 2,133 decided |
| Female | 1,548 | 22.9% of 1,256 decided |
| Joint | 2,100 | 14.8% of 1,785 decided |
| Sex Not Available | 1,033 | 22.1% of 810 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1846 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved