Mortgage lenders in Luzerne County
6,634 mortgages were made in Luzerne County, Pennsylvania, in 2025, by 383 lenders. The median rate their borrowers got was 6.750% on a median loan of $145,000. Of 8,961 decisions, 1,962 were denials — 21.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 546 | 6.750% | $155,000 | 17.5% |
| Manufacturers and Traders Trust Company | 261 | 5.990% | $105,000 | 25.8% |
| GUILD MORTGAGE COMPANY | 241 | 6.625% | $205,000 | 2.3% |
| PNC Bank, National Association | 228 | 7.240% | $75,000 | 39.2% |
| Citizens Bank, National Association | 224 | 7.650% | $105,000 | 34.4% |
| Community Bank, National Association | 218 | 7.125% | $125,000 | 25.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 188 | 6.485% | $205,000 | 17.2% |
| The Luzerne Bank | 185 | 5.490% | $115,000 | 14.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 183 | 6.625% | $185,000 | 1.1% |
| UNITED MORTGAGE CORP. | 174 | 6.990% | $210,000 | 3.0% |
| The Fidelity Deposit and Discount Bank | 166 | 7.000% | $120,000 | 8.3% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 160 | 6.633% | $75,000 | 20.3% |
| Peoples Security Bank and Trust Company | 141 | 4.750% | $125,000 | 22.9% |
| CROSS VALLEY FEDERAL CREDIT UNION | 141 | 6.000% | $75,000 | 2.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 132 | 6.625% | $185,000 | 6.2% |
| The Honesdale National Bank | 104 | 7.400% | $135,000 | 9.5% |
| Ixonia Bank | 95 | 6.625% | $195,000 | 3.9% |
| Mortgage Research Center, LLC | 90 | 6.250% | $245,000 | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 89 | 6.250% | $185,000 | 23.3% |
| KIND LENDING, LLC | 89 | 6.625% | $205,000 | 23.9% |
| CHOICE ONE COMMUNITY FEDERAL CREDIT UNION | 83 | 6.740% | $55,000 | 10.8% |
| SWBC MORTGAGE CORPORATION | 80 | 6.500% | $195,000 | 11.6% |
| First Keystone Community Bank | 80 | 7.250% | $140,000 | 2.4% |
| Northwest Bank | 78 | 6.375% | $145,000 | 28.3% |
| Kiavi Funding, Inc. | 69 | 10.490% | $155,000 | 39.2% |
| Journey Bank | 68 | 6.995% | $125,000 | 1.5% |
| First National Bank of Pennsylvania | 66 | 6.250% | $105,000 | 33.7% |
| NEWREZ LLC | 64 | 6.990% | $160,000 | 40.2% |
| Truist Bank | 62 | 7.188% | $105,000 | 53.6% |
| SERVICE 1ST | 61 | 7.500% | $75,000 | 1.6% |
| Loandepot.Com, LLC | 57 | 6.750% | $125,000 | 37.9% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.250% | $195,000 | 22.1% |
| Jersey Shore State Bank | 51 | 6.500% | $155,000 | 1.9% |
| Broker Solutions, Inc. | 48 | 6.875% | $190,000 | 33.8% |
| NBT Bank, National Association | 48 | 4.990% | $140,000 | 23.5% |
| Wells Fargo Bank, National Association | 46 | 6.500% | $155,000 | 25.4% |
| Loan Funder LLC | 44 | 8.515% | $145,000 | 12.0% |
| NATIONSTAR MORTGAGE LLC | 43 | 6.990% | $105,000 | 21.1% |
| BPL MORTGAGE TRUST, LLC | 42 | 7.750% | $155,000 | 11.1% |
| Coastal Community Bank | 37 | 10.490% | $45,000 | 0.9% |
| Navy Federal Credit Union | 37 | 6.750% | $165,000 | 22.0% |
| Wayne Bank | 35 | Not published | $155,000 | 27.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 34 | 6.625% | $190,000 | 5.6% |
| Citymark Federal Credit Union | 34 | Not published | $70,000 | 10.5% |
| Citizens Savings Bank | 34 | Not published | $75,000 | 5.6% |
| FIGURE LENDING LLC | 33 | 9.650% | $55,000 | 25.7% |
| CMG MORTGAGE, INC. | 32 | 6.625% | $230,000 | 5.9% |
| THE LOAN STORE, INC. | 31 | 7.250% | $175,000 | 10.0% |
| Alcova Mortgage LLC | 31 | 6.750% | $245,000 | 13.5% |
| The Federal Savings Bank | 29 | 6.625% | $165,000 | 3.3% |
| Corner Post FCU | 29 | 6.500% | $65,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 28 | 6.875% | $130,000 | 28.6% |
| CHAMPIONS FUNDING, LLC | 28 | 7.750% | $195,000 | 17.7% |
| EVERETT FINANCIAL, INC. | 27 | 6.375% | $215,000 | 3.6% |
| UFCW Community Federal Credit Union | 27 | Not published | $85,000 | 0.0% |
| AmeriSave Mortgage Corporation | 26 | 7.313% | $105,000 | 71.4% |
| HOMEXPRESS MORTGAGE CORP. | 25 | 7.875% | $195,000 | 31.6% |
| NET | 23 | 7.990% | $115,000 | 32.4% |
| Fairway Consumer Discount Company | 22 | 11.640% | $45,000 | 21.4% |
| PS Bank | 22 | Not published | $170,000 | 0.0% |
| ESSA Bank & Trust | 21 | 7.000% | $215,000 | 4.2% |
| Bank of America, National Association | 20 | 6.490% | $125,000 | 55.6% |
| RADIUS FINANCIAL GROUP INC. | 20 | 7.125% | $190,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 7.540% | $95,000 | 25.9% |
| PENN EAST Federal Credit Union | 19 | Not published | $45,000 | 13.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.875% | $145,000 | 4.4% |
| Lendage, LLC | 19 | 11.250% | $55,000 | 13.6% |
| SPRING EQ, LLC | 18 | 9.475% | $50,000 | 63.5% |
| P & G MEHOOPANY EMPLOYEES | 18 | Not published | $75,000 | 14.3% |
| CNB Bank | 18 | 5.875% | $365,000 | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 16 | 6.500% | $175,000 | 23.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 16 | 6.933% | $185,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 16 | 6.500% | $200,000 | 0.0% |
| Mid Penn Bank | 15 | 7.500% | $125,000 | 40.7% |
| 254900CTT87ZKAUTIJ37 | 15 | 7.990% | $165,000 | 28.6% |
| PENTAGON FEDERAL CREDIT UNION | 15 | 7.375% | $95,000 | 31.8% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 8.125% | $170,000 | 32.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 6.938% | $190,000 | 12.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 8.188% | $205,000 | 31.8% |
| UNION HOME MORTGAGE CORP. | 14 | 6.500% | $210,000 | 6.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 9.990% | $185,000 | 0.0% |
| OCMBC, INC. | 13 | 7.999% | $125,000 | 18.8% |
| NEW DAY FINANCIAL, LLC | 12 | 6.865% | $205,000 | 46.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.563% | $125,000 | 46.4% |
| Equity Prime Mortgage LLC | 12 | 6.625% | $215,000 | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.875% | $195,000 | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 12 | 6.625% | $90,000 | 25.0% |
| Citadel Servicing Corporation | 12 | 8.062% | $135,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 12 | 7.442% | $150,000 | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 11 | 6.750% | $165,000 | 0.0% |
| A&D Mortgage LLC | 11 | 7.375% | $165,000 | 8.3% |
| ABL RPC Residential Credit Acquisition LLC | 11 | 7.750% | $155,000 | 21.4% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.625% | $235,000 | 13.3% |
| MICHIGAN MUTUAL, INC. | 11 | 6.750% | $205,000 | 6.7% |
| Click n' Close, Inc. | 11 | 7.250% | $155,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 11 | 6.625% | $195,000 | 7.7% |
| CONSTRUCTIVE LOANS, LLC | 11 | 7.250% | $215,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 11 | 6.990% | $195,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 8.688% | $60,000 | 61.7% |
| GUARANTEED RATE, INC. | 10 | 6.688% | $170,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.188% | $115,000 | 36.8% |
| Hometown Equity Mortgage, LLC | 10 | 7.875% | $145,000 | 54.6% |
| USAA Federal Savings Bank | 10 | 6.188% | $200,000 | 37.5% |
| ICE LENDER HOLDINGS LLC | 10 | 7.500% | $185,000 | 28.6% |
| Mortgage America, Inc. | 10 | 6.750% | $195,000 | 9.1% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | 7.438% | $180,000 | 0.0% |
| Fulton Bank, National Association | 10 | 6.563% | $290,000 | 28.6% |
| PLANET HOME LENDING, LLC | 10 | 5.990% | $210,000 | 23.1% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| MEMBERS 1ST | 9 | Under 10 loans | Under 10 loans | 43.8% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| 9845001ADACA7A75EE02 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EAST COAST CAPITAL CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CONSUMER REAL ESTATE FINANCE CO. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 55.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHILADELPHIA FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| FM Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 6 | Under 10 loans | Under 10 loans | 75.8% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 44.4% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 6 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 46.7% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CONTOUR MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Dime Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 92.5% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 81.3% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Commonwealth Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN MINT | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDING CAPITAL GROUP Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Jim Thorpe Neighborhood Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 90.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 183 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Luzerne County
84 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 9 | $1.7 billion |
| Manufacturers and Traders Trust Company | 9 | $1.4 billion |
| Peoples Security Bank and Trust Company | 9 | $601.3 million |
| First Keystone Community Bank | 8 | $438.1 million |
| Northwest Bank | 8 | $419.6 million |
| The Fidelity Deposit and Discount Bank | 7 | $599.5 million |
| Community Bank, National Association | 7 | $587.4 million |
| Citizens Bank, National Association | 5 | $592.8 million |
| Wells Fargo Bank, National Association | 4 | $625.0 million |
| Truist Bank | 4 | $373.0 million |
| First National Bank of Pennsylvania | 3 | $303.7 million |
| Mid Penn Bank | 2 | $160.6 million |
| NBT Bank, National Association | 2 | $111.6 million |
| The Honesdale National Bank | 2 | $59.2 million |
| Wayne Bank | 2 | $57.0 million |
| CNB Bank | 1 | $56.5 million |
| JPMorgan Chase Bank, National Association | 1 | $32.2 million |
| Woodforest National Bank | 1 | $5.4 million |
Closed since the 2025 survey
12 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Community Bank, National Association, 620 Centre St, Freeland
- Community Bank, National Association, 78 S Wyoming Ave, Edwardsville
- ESSA Bank & Trust, 1065 Highway 315 Blvd, Ste 101, Wilkes Barre
- The Luzerne Bank, 10 Dessen Dr, Hazleton
- The Luzerne Bank, 118 Main St, Luzerne
- The Luzerne Bank, 1320 Wyoming Ave, Forty Fort
- The Luzerne Bank, 285 S Main St, Pittston
- The Luzerne Bank, 509 Main St, Dallas
- The Luzerne Bank, 669 State Route 93 Hwy, Sugarloaf
- The Luzerne Bank, 924 Wilkes-Barre Township Boulevard, Wilkes Barre
- The Luzerne Bank, Corners of Rt. 118 & 415, Dallas
- Wayne Bank, 734 Sans Souci Pkwy, Hanover Township
Get told when this changes
When the next year’s lending figures are out for Luzerne County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.