Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Luzerne County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Luzerne County, home to Wilkes-Barre, between 2023 and 2025: 21,653 applications, 16,195 loans actually funded, across 8 kinds of borrowing.
Luzerne County at a glance
21,653Applications decided
2023–2025
16,195Loans funded
75% of decisions
101Census tracts
29 ZIP codes
325,978People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Investment home improvement is the hardest money to get here: lenders approved 64% of 272 applications.
Lending by loan type in Luzerne County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.9% | 9,032 | $195K | 97% | 336 |
| Home improvement loans | 66.4% | 3,636 | $55K | 95% | 106 |
| Cash-out refinance | 66.5% | 2,934 | $125K | 94% | 176 |
| Refinance | 75.0% | 2,829 | $105K | 96% | 156 |
| Investment property purchase | 86.0% | 1,886 | $145K | 93% | 224 |
| Investment cash-out refinance | 81.4% | 660 | $145K | 93% | 111 |
| Investment refinance | 73.3% | 404 | $155K | 94% | 90 |
| Investment home improvement | 64.3% | 272 | $105K | 95% | 55 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.