The Luzerne Bank
The Luzerne Bank received 276 applications in 2025 and made 208 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 5.490% on a median loan of $115,000. Of 252 decisions, 36 were denials — 14.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300EJ89CA12ZT7X03 |
|---|---|
| Applications received | 276 |
| Mortgages made | 208 |
| Denied | 36 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.76 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 53 | 6.750% | $205,000 | 9.2% |
| Refinancing | 14 | 5.490% | $145,000 | 6.3% |
| Cash-out refinancing | 60 | 5.490% | $105,000 | 11.8% |
| Other purposes | 81 | 5.490% | $95,000 | 20.4% |
Where The Luzerne Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Luzerne County, PA | 185 | 5.490% | 14.4% |
| Carbon County, PA | 5 | Under 10 loans | 14.3% |
| Schuylkill County, PA | 5 | Under 10 loans | 25.0% |
| Wyoming County, PA | 5 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 4 | Under 10 loans | 0.0% |
| Northumberland County, PA | 2 | Under 10 loans | 0.0% |
| Montour County, PA | 1 | Under 10 loans | 0.0% |
| Wayne County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 0 | Under 10 loans | 100.0% |
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When The Luzerne Bank’s figures are published for the next year, or restated.
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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. 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.