# The Honesdale National Bank

> **Canonical URL:** https://saferate.com/lenders/the-honesdale-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Honesdale National Bank is a bank, headquartered in Honesdale, PA, serving borrowers across 2 states, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300458LCI17J5BY03
- **Headquarters:** Honesdale, PA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NY, PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.067%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,449
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $44 million
- **Applications Received:** 177
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $306,379
- **Average Borrower Income:** $189,359
- **Average Property Value:** $456,862

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 135 | +0.068% | $1,176 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 108 loans, Score: 44/100 (Sound)
- Refinance: 27 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 114 | $33M | -0.037% | Sound ☺️ |
| Refinance | 35/100 | 31 | $12M | +0.386% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 138 | 0.11% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 101 | 60/100 |
| Scranton | PA | 44 | 71/100 |

## Where This Lender Ranks

The Honesdale National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🏆 **#16** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does The Honesdale National Bank offer?

The Honesdale National Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Honesdale National Bank offer mortgages?

The Honesdale National Bank offers mortgages in 2 states: NY, PA.

### How competitive are The Honesdale National Bank's mortgage rates?

The Honesdale National Bank has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.067% above market average.

### What type of lender is The Honesdale National Bank?

The Honesdale National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Honesdale, PA.

### What is The Honesdale National Bank's loan approval success rate?

The Honesdale National Bank has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-honesdale-national-bank

### How to Cite

> "The Honesdale National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-honesdale-national-bank

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