Applications / Mortgage Analytics / Lenders / Pennsylvania / Luzerne Bank
Luzerne, PA · State non-member bank · FDIC · $722 million assets · 208 loans in 2025
Luzerne Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
208
loans originated, 2025
276
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Luzerne Bank's lending almost halved in 2025, one of the steepest falls among similar lenders, in a year when its market grew.
It made 208 loans, 48% fewer than the 403 of 2024. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%, as did the market as a whole. Its dollar total fell to $33.1 million from $62.6 million. The public data do not say why; a change in the products it offers or weaker demand among its customers are possible reasons.
In Scranton-Wilkes-Barre, where it has lent since at least 1990, it ranks 20 of 395 lenders with 1.5% of lending, down from 3.2%. Its own lower volume is the plain reason. Rocket Mortgage leads there, with Peoples Security Bank and Trust Company second.
Its typical rate was 5.49%, the lowest among similar lenders, whose typical rate was 6.88%. None of its loans were higher-priced (a rate well above the average for similar loans). Refinances were its largest purpose, at 35.6%, followed by home improvement at 28.4%, and all were conventional. Its typical loan was $115,000, against $175,000 at peers.
Low- and moderate-income (LMI) borrowers took 25.7% of its loans, and poorer neighborhoods (LMI tracts) took 18.4%. Both shares put it near the middle of similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Luzerne Bank took 276 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 35.6% · Home improvement 28.4% · Purchase 25.5% · Other 10.6%
Conventional 100.0% · of 208 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 208 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 194 |
| Allentown-Bethlehem-Easton | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EJ89CA12ZT7X03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 501815 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18921 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 2501815 | 2006–2012 |
| Respondent ID (the HMDA filer code before 2018) | 37586 | 2013–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Luzerne Bank's data.
Luzerne Bank's data
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Luzerne Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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