Investment property improvement lenders in Luzerne County, Pennsylvania
Fat Boy Data analyzed investment home improvement loan activity in Luzerne County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 272 applications were decided by 55 lenders between 2023 and 2025.
Luzerne County at a glance
How Luzerne County compares
What the data shows
The Luzerne Bank made the most investment home improvement loans in Luzerne County, PA, 23 of them.
The Luzerne Bank approved the highest share of applications among lenders with at least 20 decisions here, 92% of 25.
Lenders approved 64.3% of investment home improvement loan applications in Luzerne County, PA, 14.1 percentage points above the Pennsylvania rate of 50.2%.
The typical investment home improvement loan here is $105K, 11% larger than the Pennsylvania typical of $95K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Luzerne County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | The Luzerne Bank | 92% | 23 / 25 | 100% | $85K | 23 |
| 2 | Pennsylvania State Employees Credit Union | 71% | 15 / 21 | 93% | $45K | 14 |
| 3 | PNC Bank, National AssociationLimited sample | 19% | 3 / 16 | 100% | $105K | 3 |
| 4 | Peoples Security Bank and Trust CompanyLimited sample | 67% | 10 / 15 | 90% | $105K | 9 |
| 5 | Community Bank, National AssociationLimited sample | 75% | 9 / 12 | 100% | $155K | 9 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
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