The Luzerne Bank in Pennsylvania vs the state
13.0%Denial rate-5.25 pts vs state
14.3%Decision denial rate-7.92 pts vs state
75.4%Origination rate+14.40 pts vs state
5.49%Median rate-1.13 pts vs state
-1.76Rate spread (pts)-2.00 pts vs state
$93kMedian applicant income
208Loans originated
36Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 616 | 503 | 8.0% | 6.50% | #115 |
| 2024 | 517 | 403 | 11.6% | 6.35% | #142 |
| 2025 | 276 | 208 | 13.0% | 5.49% | #234 |
What The Luzerne Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most The Luzerne Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 242 | 185 | 32 | 13.2% |
| Schuylkill County | 11 | 5 | 2 | 18.2% |
| Carbon County | 7 | 5 | 1 | 14.3% |
| Wyoming County | 7 | 5 | 0 | 0.0% |
| Lackawanna County | 4 | 4 | 0 | 0.0% |
| Northumberland County | 2 | 2 | 0 | 0.0% |
| Montour County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Wayne 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: 276 applications in 2025, of which 208 were originated and 36 denied.
13.0% of all applications, or 14.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans The Luzerne Bank originated in Pennsylvania in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are The Luzerne Bank'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