Mortgage lending in Luzerne County, Pennsylvania
Lenders in Luzerne County, Pennsylvania reported 10,949 mortgage applications for 2025, according to the CFPB.
10,949 mortgage applications and 6,634 loans originated in 2025; the denial rate was 21.9% of 8,962 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Scranton--Wilkes-Barre, PA MSA.
- 10,949
- Applications
- 6,634
- Loans originated
- 21.9%
- Denial rate
- 1,963 denied of 8,962 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,949 | 6,634 |
| 2024 | 10,012 | 6,125 |
| 2023 | 9,306 | 5,477 |
| 2022 | 11,844 | 7,162 |
| 2021 | 15,126 | 9,519 |
| 2020 | 12,389 | 7,754 |
| 2019 | 10,142 | 6,207 |
| 2018 | 9,851 | 5,849 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 546 | 731 |
| M&T Bank | 261 | 386 |
| Guild Mortgage Company | 241 | 296 |
| PNC Bank N.A. | 228 | 463 |
| Citizens Bank, NA | 224 | 409 |
| Community Bank, N.A. | 218 | 343 |
| United Wholesale Mortgage | 188 | 267 |
| Luzerne Bank | 185 | 242 |
| Ark-LA-Tex Financial Services LLC | 183 | 232 |
| United Mortgage Corp. | 174 | 211 |
| Fidelity Deposit & Discount Bank | 166 | 200 |
| Pennsylvania State Employees Credit Union | 160 | 229 |
| Cross Valley Federal Credit Union | 141 | 146 |
| Peoples Security Bank and Trust Company | 141 | 216 |
| Crosscountry Mortgage, LLC | 132 | 194 |
| The Honesdale National Bank | 104 | 125 |
| Ixonia Bank | 95 | 129 |
| Mortgage Research Center | 90 | 168 |
| Kind Lending, LLC | 89 | 124 |
| Pennymac Loan Services LLC | 89 | 211 |
| Choice One Community FCU | 83 | 93 |
| First Keystone Community Bank | 80 | 91 |
| SWBC Mortgage Corporation | 80 | 116 |
| Northwest Bank | 78 | 132 |
| Kiavi Funding, Inc. | 69 | 146 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 62 | no rate: base under 50 |
| Asian | 129 | 21.1% of 109 decided |
| Black or African American | 538 | 31.4% of 424 decided |
| Native Hawaiian or Other Pacific Islander | 33 | no rate: base under 50 |
| White | 7,613 | 20.5% of 6,390 decided |
| 2 or more minority races | withheld | |
| Joint | 92 | 38.3% of 81 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,463 | 22.9% of 1,873 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,121 | 26.0% of 1,744 decided |
| Not Hispanic or Latino | 6,739 | 20.3% of 5,621 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,958 | 22.7% of 1,488 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,353 | 23.7% of 3,538 decided |
| Female | 2,566 | 24.3% of 2,103 decided |
| Joint | 2,682 | 16.9% of 2,308 decided |
| Sex Not Available | 1,348 | 22.4% of 1,013 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. 2060 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