{
  "canonical_url": "https://lendb.ai/in/pennsylvania/luzerne-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 83 funded FHA home loans in Luzerne County, PA in 2025, 933 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (160), United Mortgage Corp. (98) and Guild Mortgage (65). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Luzerne County are linked below.",
  "county": {
    "fips": "42079",
    "name": "Luzerne County",
    "state": "PA"
  },
  "loan_type": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 83,
    "lenders_10": 18,
    "loans": 933,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 160,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1330,
      "name": "United Mortgage Corp.",
      "slug": "united-mortgage-corp-1330",
      "canonical_url": "https://lendb.ai/lender/united-mortgage-corp-1330",
      "loans": 98,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 150121,
            "full_name": "Gisela Pratt",
            "canonical_url": "https://lendb.ai/lo/gisela-pratt-150121",
            "branch_city": "Hazleton",
            "branch_state": "PA"
          },
          {
            "nmls_id": 2127945,
            "full_name": "Ivette Elizabeth Perez",
            "canonical_url": "https://lendb.ai/lo/ivette-elizabeth-perez-2127945",
            "branch_city": "Hazleton",
            "branch_state": "PA"
          },
          {
            "nmls_id": 2386256,
            "full_name": "Jasmel Ramos",
            "canonical_url": "https://lendb.ai/lo/jasmel-ramos-2386256",
            "branch_city": "Hazleton",
            "branch_state": "PA"
          }
        ]
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 65,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 103679,
            "full_name": "Dan Townsend",
            "canonical_url": "https://lendb.ai/lo/dan-townsend-103679",
            "branch_city": "Wilkes Barre",
            "branch_state": "PA"
          },
          {
            "nmls_id": 132877,
            "full_name": "Rich Sachse",
            "canonical_url": "https://lendb.ai/lo/rich-sachse-132877",
            "branch_city": "Wilkes Barre",
            "branch_state": "PA"
          },
          {
            "nmls_id": 139114,
            "full_name": "Charlie Daniels",
            "canonical_url": "https://lendb.ai/lo/charlie-daniels-139114",
            "branch_city": "Wilkes Barre",
            "branch_state": "PA"
          }
        ]
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 63,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 63,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 47,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 45,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 29,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 9741,
      "name": "SWBC Mortgage",
      "slug": "swbc-mortgage-9741",
      "canonical_url": "https://lendb.ai/lender/swbc-mortgage-9741",
      "loans": 27,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 26,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}