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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Luzerne County, Pennsylvania

Fat Boy Data analyzed 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. 3,636 applications were decided by 106 lenders between 2023 and 2025.

Luzerne County at a glance

106Active lenders31 with 20+ decisions
66.4%Market approval rate2,414 of 3,636 decided
$55KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,282 loans funded

How Luzerne County compares

Approval rate compared
Luzerne County66.4%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Luzerne County$55KPennsylvania$65KAll 616 counties$75K

What the data shows

The Luzerne Bank made the most home improvement loans in Luzerne County, PA, 273 of them.

Journey Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

The typical home improvement loan here is $55K, 15% smaller than the Pennsylvania typical of $65K.

Only 1 lender here typically writes at or below $35K: P & G Mehoopany Employees.

Approval rate of all 31 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 23% approved of 92Bank of America, National Association: 24% approved of 62Spring Eq, LLC: 25% approved of 36Truist Bank: 27% approved of 99PNC Bank, National Association: 51% approved of 438NBT Bank, National Association: 54% approved of 24First National Bank of Pennsylvania: 57% approved of 127Manufacturers and Traders Trust Company: 59% approved of 353Citizens Bank, National Association: 59% approved of 287Members 1St: 64% approved of 22Wayne Bank: 65% approved of 31Pentagon Federal Credit Union: 65% approved of 20P & G Mehoopany Employees: 65% approved of 20Navy Federal Credit Union: 67% approved of 24Figure Lending LLC: 67% approved of 49Community Bank, National Association: 71% approved of 219Peoples Security Bank and Trust Company: 73% approved of 128First Keystone Community Bank: 74% approved of 34Mid Penn Bank: 77% approved of 26Choice One Community Federal Credit Union: 78% approved of 93Net: 79% approved of 33The Fidelity Deposit and Discount Bank: 79% approved of 213The Luzerne Bank: 80% approved of 357UFCW Community Federal Credit Union: 80% approved of 35Pennsylvania State Employees Credit Union: 84% approved of 213ESSA Bank & Trust: 86% approved of 22The Honesdale National Bank: 89% approved of 35Coastal Community Bank: 97% approved of 77Cross Valley Federal Credit Union: 99% approved of 158Journey Bank: 100% approved of 21Service 1St: 100% approved of 21

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

Home improvement loan lenders in Luzerne County

LenderApprovalApprovedTaken upTypical loanLoans made
1PNC Bank, National Association51%224 / 43897%$55K218
2The Luzerne Bank80%284 / 35796%$55K273
3Manufacturers and Traders Trust Company59%209 / 35395%$75K198
4Citizens Bank, National Association59%170 / 28796%$75K164
5Community Bank, National Association71%156 / 21999%$45K155

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 101 more lenders.

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You are seeing the 5 largest home improvement loan 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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