Largest lenders in Luzerne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 731 | 546 | 16.4% | 6.75% |
| 2 | PNC Bank | D | 463 | 228 | 32.4% | 7.24% |
| 3 | Citizens Bank | C | 409 | 224 | 30.1% | 7.65% |
| 4 | Manufacturers and Traders Trust | C | 386 | 261 | 24.4% | 5.99% |
| 5 | Community Bank | D | 343 | 218 | 22.2% | 7.24% |
| 6 | Guild Mortgage | A | 296 | 241 | 2.0% | 6.63% |
| 7 | United Shore Financial Services | B | 267 | 188 | 15.0% | 6.49% |
| 8 | The Luzerne Bank | A | 242 | 185 | 13.2% | 5.49% |
| 9 | Ark-La-Tex Financial Services, LLC. | A | 232 | 183 | 0.9% | 6.63% |
| 10 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 229 | 160 | 17.9% | 6.63% |
| 11 | Peoples Security Bank and Trust | A | 216 | 141 | 19.9% | 4.75% |
| 12 | Pennymac Loan Services | C | 211 | 89 | 13.3% | 6.25% |
| 13 | United Mortgage | C | 211 | 174 | 2.8% | 6.99% |
| 14 | The Fidelity Deposit and Discount Bank | C | 200 | 166 | 8.0% | 7.00% |
| 15 | Crosscountry Mortgage | B | 194 | 132 | 4.6% | 6.63% |
| 16 | Newrez | D | 189 | 64 | 22.8% | 6.99% |
| 17 | Mortgage Research Center | C | 168 | 90 | 17.9% | 6.25% |
| 18 | Truist Bank | C | 160 | 62 | 46.9% | 7.19% |
| 19 | Broker Solutions | D | 158 | 48 | 17.1% | 6.88% |
| 20 | Coastal Community Bank | C | 158 | 37 | 0.6% | 10.49% |
| 21 | Kiavi Funding | D | 146 | 69 | 32.2% | 10.49% |
| 22 | Cross Valley Federal Credit Union | A | 146 | 141 | 2.1% | 6.00% |
| 23 | Freedom Mortgage | B | 141 | 53 | 12.1% | 6.25% |
| 24 | Northwest Bank | B | 132 | 78 | 24.2% | 6.50% |
| 25 | Ixonia Bank | C | 129 | 95 | 3.1% | 6.63% |
Best approval odds in Luzerne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 111 | 0.9% |
| 2 | Ark-La-Tex Financial Services, LLC. | 185 | 1.1% |
| 3 | Journey Bank | 69 | 1.5% |
| 4 | Service 1st | 62 | 1.6% |
| 5 | Jersey Shore State Bank | 52 | 1.9% |
| 6 | Cross Valley Federal Credit Union | 144 | 2.1% |
| 7 | Guild Mortgage | 258 | 2.3% |
| 8 | First Keystone Community Bank | 84 | 2.4% |
| 9 | United Mortgage | 200 | 3.0% |
| 10 | Ixonia Bank | 102 | 3.9% |
What Luzerne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Luzerne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 9,306 | 5,477 | 21.4% | 6.99% | $115,000 |
| 2024 | 10,012 | 6,125 | 19.8% | 6.99% | $135,000 |
| 2025 | 10,949 | 6,634 | 17.9% | 6.75% | $145,000 |
Frequently asked questions
17.9% of applications in Luzerne County were denied in 2025, against 18.3% statewide in Pennsylvania.
Rocket Mortgage, with 731 applications in 2025 and a denial rate of 16.4%.
The median mortgage application in Luzerne County in 2025 was for $145,000; the median property value on originated loans was $235,000.