Lender profile · HMDA 2023–2025
The Luzerne Bank mortgage approval rates & lending data
The Luzerne Bank decided 1,046 mortgage applications and funded 897 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 156 / 165 | 99% | $205K | 154 |
| Home improvement loans | 79% | 303 / 383 | 96% | $55K | 291 |
| Cash-out refinance | 88% | 53 / 60 | 100% | $105K | 53 |
| Refinance | 93% | 173 / 187 | 99% | $105K | 171 |
| Investment property purchase | 96% | 185 / 192 | 94% | $125K | 173 |
| Investment home improvement | 94% | 33 / 35 | 97% | $85K | 32 |
The Luzerne Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 89% | $105K | 1,046 | 897 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.