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LUZERNE BANK

WILLIAMSPORT, PA

LUZERNE BANK processed 517 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 403 loans with a 11.6% denial rate. Home Improvement was the primary loan purpose. Based in WILLIAMSPORT, PA. The approval rate of 77.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. LUZERNE BANK processed 517 HMDA-reported mortgage applications in 2024, originating 403 loans and denying 60 for a denial rate of 11.6% (applicants themselves withdrew 41 files before a decision). The average loan amount was $152,389 at a 6.678% average note rate, and applicants self-reported an average income of $33,000. The lender reports under LEI 549300EJ89CA12ZT7X03 from WILLIAMSPORT, PA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. LUZERNE BANK's 77.9% origination rate tells you how often an application turned into funded money; the 11.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Credit application incomplete, which together explain the majority of rejections. Most activity concentrated in Conventional loans (517 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

517
Applications
403
Originated
11.6%
Denial Rate
$152,389
Avg Loan Amount
Avg Interest Rate: 6.678% Avg Applicant Income: $33,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 517 403 60 $152,389

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for LUZERNE BANK (LEI: 549300EJ89CA12ZT7X03) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
33
Credit history
29
Credit application incomplete
9
Collateral
5
Employment history
1
Other
1
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 197 132 $142,208
Home Purchase 138 121 $214,710
Refinancing 108 90 $128,611
Other 72 58 $96,111
Cash-out Refinancing 2 2 $165,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 386 79.3% 10.9%
Black or African American 42 52.4% 23.8%
Joint 4 50.0% 50.0%
Asian 2 0.0% 100.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 364 80.2% 10.2%
Hispanic or Latino 62 53.2% 25.8%
Joint 8 50.0% 50.0%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

NEWREZ LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

PNC BANK N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

SPRING EQ, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

FIRST NATIONAL BANK OF PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare LUZERNE BANK vs NEWREZ LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did LUZERNE BANK process?
LUZERNE BANK processed 517 mortgage applications in the 2023 HMDA reporting year. Of these, 403 were originated (approved and funded), 41 were withdrawn by the applicant, and 60 were denied.
What is LUZERNE BANK's mortgage approval rate?
LUZERNE BANK has an approval (origination) rate of 77.9%, meaning 77.9% of all applications resulted in a funded mortgage. The denial rate is 11.6%.
What is the average loan amount at LUZERNE BANK?
The average mortgage loan amount at LUZERNE BANK is $152,389. The average interest rate is 6.678%. The average applicant income is $33,000.
What are the most common reasons for mortgage denial at LUZERNE BANK?
The most common reasons for mortgage denial at LUZERNE BANK are: Debt-to-income ratio, Credit history, Credit application incomplete. In total, 60 applications were denied out of 517 total applications.
What types of mortgage loans does LUZERNE BANK offer?
LUZERNE BANK processes Conventional loans. The most common type is Conventional with 517 applications and an average loan amount of $152,389.
What loan purposes does LUZERNE BANK serve?
LUZERNE BANK serves the following loan purposes: Home Improvement (197 applications), Home Purchase (138 applications), Refinancing (108 applications), Other (72 applications), Cash-out Refinancing (2 applications). Home Improvement is the most common purpose.
Where is LUZERNE BANK located?
LUZERNE BANK is headquartered in WILLIAMSPORT, PA. The lender is identified by LEI 549300EJ89CA12ZT7X03 in HMDA data.
How does LUZERNE BANK compare in lending across racial demographics?
LUZERNE BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 79.3% and denial rate of 10.9%; Black or African American applicants have an approval rate of 52.4% and denial rate of 23.8%; Joint applicants have an approval rate of 50.0% and denial rate of 50.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.