Applications / Mortgage Analytics / Lenders / Pennsylvania / Fairway Consumer Discount Company
Luzerne, PA · Non-bank or government lender · CFPB · 38 loans in 2025
Fairway Consumer Discount Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
38
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fairway Consumer Discount Company, of Luzerne, Pennsylvania, makes small refinance loans, typically $45,000, a fraction of the size at similar lenders, at a steady 30 to 50 loans a year.
Refinances made up 89.5% of its loans in 2025 and other purposes 7.9%; it made no home-purchase loans. Its typical loan was $45,000, against $395,000 at similar lenders (non-bank lenders making between half and twice as many loans), the smallest in the group. All its loans are conventional and none are for manufactured homes.
It first reported in 2017. It has made between 30 and 50 loans every year since, and 38 in 2025. That was down 5%, close to the 7% fall at similar lenders, while the whole market grew 10%.
Borrowers with low or moderate incomes took 57.9% of its loans, against 27.3% at similar lenders, a higher share than at about nine in ten of them. Its share of loans in poorer neighborhoods (low- and moderate-income tracts), 28.9%, is also above the 17.4% at peers. With 38 loans, these shares can move by several points from year to year.
Its biggest market is Scranton--Wilkes-Barre, where it ranks 153 of 395 lenders with 0.1% of the market; Rocket Mortgage leads. It lends only in Pennsylvania, and in 2025 made its first loans in York-Hanover.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fairway Consumer Discount Company took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 89.5% · Other 7.9% · Not applicable 2.6%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 32 |
| Allentown-Bethlehem-Easton | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B5Q1Q3J5NC8121 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7240831867 |
Established 6 September 1963. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Fairway Consumer Discount Company's data.
Fairway Consumer Discount Company's data
$215
Fairway Consumer Discount Company 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.
Buy Fairway Consumer Discount Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]