The Luzerne Bank mortgage approval rate & lending review
The Luzerne Bank decided 1,046 mortgage applications and funded 897 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Luzerne Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to northwest.bank.
The Luzerne Bank at a glance
Approval is 14.6 points above the 73.9% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Luzerne Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Luzerne County, PA | Home improvement loans | 80% | 357 | 273 |
| Luzerne County, PA | Refinance | 93% | 179 | 164 |
| Luzerne County, PA | Investment property purchase | 97% | 162 | 145 |
| Luzerne County, PA | Mortgage lenders | 95% | 145 | 136 |
| Luzerne County, PA | Cash-out refinance | 89% | 56 | 50 |
| Schuylkill County, PA | Investment property purchase | 95% | 21 | 20 |
The county markets where The Luzerne Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Luzerne Bank
What is The Luzerne Bank's mortgage approval rate?
The Luzerne Bank approved 88.5% of the 1,046 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.6 points above the 73.9% national rate for the same mix of loan types.
How often do borrowers take the loan The Luzerne Bank offers?
Borrowers accepted 97% of the loans The Luzerne Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Luzerne Bank make?
The typical home improvement loan loan The Luzerne Bank made was $55K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Luzerne Bank lend?
The Luzerne Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to The Luzerne Bank directly?
Yes. The Luzerne Bank reports as a direct lender that takes applications from borrowers. Its website is northwest.bank.
Does this page show The Luzerne Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Luzerne Bank treats applications, then get a rate quote from the lender.