Home purchase lenders in Luzerne County
3,129 home purchase mortgages were made in Luzerne County, Pennsylvania, in 2025, by 292 lenders. The median rate their borrowers got was 6.750% on a median loan of $195,000. Of 3,693 decisions, 451 were denials — 12.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 239 | 6.500% | $195,000 | 8.4% |
| GUILD MORTGAGE COMPANY | 225 | 6.625% | $205,000 | 2.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 178 | 6.625% | $185,000 | 1.1% |
| UNITED MORTGAGE CORP. | 162 | 6.990% | $215,000 | 2.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 123 | 6.625% | $195,000 | 6.1% |
| Community Bank, National Association | 103 | 7.500% | $175,000 | 14.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 98 | 6.625% | $215,000 | 15.3% |
| Ixonia Bank | 90 | 6.625% | $205,000 | 3.2% |
| KIND LENDING, LLC | 84 | 6.625% | $205,000 | 22.2% |
| Mortgage Research Center, LLC | 80 | 6.250% | $250,000 | 7.0% |
| SWBC MORTGAGE CORPORATION | 75 | 6.500% | $195,000 | 12.5% |
| The Fidelity Deposit and Discount Bank | 67 | 6.750% | $195,000 | 1.3% |
| Peoples Security Bank and Trust Company | 59 | 6.375% | $175,000 | 14.1% |
| Jersey Shore State Bank | 51 | 6.500% | $155,000 | 0.0% |
| Kiavi Funding, Inc. | 50 | 10.500% | $150,000 | 14.5% |
| The Luzerne Bank | 48 | 6.750% | $215,000 | 7.0% |
| Northwest Bank | 45 | 6.500% | $165,000 | 11.1% |
| The Honesdale National Bank | 43 | 7.400% | $175,000 | 4.4% |
| PNC Bank, National Association | 41 | 6.625% | $135,000 | 20.8% |
| First Keystone Community Bank | 38 | 7.300% | $170,000 | 0.0% |
| NEWREZ LLC | 34 | 7.058% | $180,000 | 15.0% |
| Journey Bank | 34 | 7.000% | $185,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 32 | 6.625% | $190,000 | 5.9% |
| Broker Solutions, Inc. | 30 | 6.875% | $215,000 | 23.1% |
| Citizens Bank, National Association | 30 | 6.900% | $195,000 | 23.1% |
| Alcova Mortgage LLC | 30 | 6.688% | $245,000 | 11.4% |
| Wells Fargo Bank, National Association | 29 | 6.625% | $165,000 | 18.9% |
| Manufacturers and Traders Trust Company | 29 | 6.375% | $175,000 | 9.4% |
| CMG MORTGAGE, INC. | 29 | 6.625% | $255,000 | 3.3% |
| Loan Funder LLC | 27 | 10.750% | $135,000 | 10.0% |
| EVERETT FINANCIAL, INC. | 25 | 6.375% | $205,000 | 0.0% |
| The Federal Savings Bank | 23 | 6.500% | $165,000 | 4.2% |
| Navy Federal Credit Union | 22 | 6.250% | $220,000 | 12.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 20 | 6.438% | $225,000 | 13.0% |
| PS Bank | 19 | Not published | $195,000 | 0.0% |
| NBT Bank, National Association | 19 | 6.000% | $185,000 | 12.0% |
| RADIUS FINANCIAL GROUP INC. | 18 | 7.125% | $190,000 | 0.0% |
| THE LOAN STORE, INC. | 17 | 6.990% | $175,000 | 4.8% |
| CNB Bank | 17 | 5.875% | $375,000 | 0.0% |
| Truist Bank | 16 | 6.545% | $120,000 | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.625% | $250,000 | 30.4% |
| ESSA Bank & Trust | 16 | 6.900% | $425,000 | 0.0% |
| First National Bank of Pennsylvania | 16 | 6.250% | $215,000 | 23.8% |
| JPMorgan Chase Bank, National Association | 15 | 6.875% | $155,000 | 31.8% |
| Loandepot.Com, LLC | 15 | 7.125% | $175,000 | 21.1% |
| CROSS VALLEY FEDERAL CREDIT UNION | 15 | 6.500% | $235,000 | 11.8% |
| FIRST HERITAGE FINANCIAL, LLC | 15 | 6.500% | $175,000 | 11.8% |
| KEYSTONE FUNDING, INC. | 15 | 6.500% | $215,000 | 0.0% |
| Wayne Bank | 14 | Not published | $180,000 | 12.5% |
| 254900CTT87ZKAUTIJ37 | 14 | 7.990% | $160,000 | 30.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 14 | 6.813% | $220,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.875% | $145,000 | 6.7% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.625% | $165,000 | 18.8% |
| Click n' Close, Inc. | 11 | 7.250% | $155,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.875% | $190,000 | 23.1% |
| Mortgage America, Inc. | 10 | 6.750% | $195,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.688% | $245,000 | 14.3% |
| MICHIGAN MUTUAL, INC. | 10 | 6.750% | $220,000 | 7.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Citizens Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CONSUMER REAL ESTATE FINANCE CO. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UFCW Community Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 6 | Under 10 loans | Under 10 loans | 75.8% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 57.1% |
| 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% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FM Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHOICE ONE COMMUNITY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| P & G MEHOOPANY EMPLOYEES | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 81.3% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE 1ST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 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% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 90.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NET | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Univest Bank and Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Commonwealth Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citymark Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Citizens Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN MINT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | 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 92 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.