refinance lenders · HMDA 2023–2025

Refinance lenders in Luzerne County, Pennsylvania

Fat Boy Data analyzed mortgage refinance 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. 2,829 applications were decided by 156 lenders between 2023 and 2025.

Luzerne County at a glance

156Active lenders25 with 20+ decisions
75.0%Market approval rate2,123 of 2,829 decided
$105KTypical loanmedian lender, $10K brackets
96%Borrower take-up2,037 loans funded

How Luzerne County compares

Approval rate compared
Luzerne County75.0%Pennsylvania75.8%All 616 counties76.5%
Typical loan compared
Luzerne County$105KPennsylvania$115KAll 616 counties$295K

What the data shows

Manufacturers and Traders Trust Company made the most mortgage refinances in Luzerne County, PA, 299 of them.

Cross Valley Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 81.

Approval rate of all 25 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 27% approved of 63Lakeview Loan Servicing, LLC: 43% approved of 21Newrez LLC: 50% approved of 26Truist Bank: 53% approved of 110Mortgage Research Center, LLC: 53% approved of 30Peoples Security Bank and Trust Company: 67% approved of 49Citizens Bank, National Association: 69% approved of 274PNC Bank, National Association: 71% approved of 260First National Bank of Pennsylvania: 74% approved of 95Royal United Mortgage LLC: 75% approved of 52Rocket Mortgage, LLC: 75% approved of 153Community Bank, National Association: 76% approved of 126United Wholesale Mortgage, LLC: 77% approved of 79NBT Bank, National Association: 81% approved of 42Manufacturers and Traders Trust Company: 82% approved of 381Pennsylvania State Employees Credit Union: 84% approved of 56Choice One Community Federal Credit Union: 85% approved of 59Service 1St: 86% approved of 22Pennymac Loan Services, LLC: 87% approved of 63The Honesdale National Bank: 89% approved of 36Village Capital & Investment LLC: 91% approved of 22The Luzerne Bank: 93% approved of 179Freedom Mortgage Corporation: 95% approved of 57Journey Bank: 95% approved of 20Cross Valley Federal Credit Union: 100% approved of 81

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Luzerne County

LenderApprovalApprovedTaken upTypical loanLoans made
1Manufacturers and Traders Trust Company82%312 / 38196%$105K299
2Citizens Bank, National Association69%190 / 27498%$105K186
3PNC Bank, National Association71%185 / 26098%$95K181
4The Luzerne Bank93%166 / 17999%$105K164
5Rocket Mortgage, LLC75%115 / 15395%$175K109

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.

Fat Boy found 151 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Luzerne County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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