# Wayne Bank

> **Canonical URL:** https://saferate.com/lenders/wayne-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


Wayne Bank is a bank, headquartered in Honesdale, PA, serving borrowers across 2 states, with 169 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XZGHPTWOJPDI31
- **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: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.130%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,287
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 169
- **Dollar Volume:** $51 million
- **Applications Received:** 244
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,556
- **Average Borrower Income:** $179,450
- **Average Property Value:** $419,911

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 169 | +0.130% | $1,287 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 151 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 151 | $48M | +0.109% | Sound ☺️ |
| Refinance | 26/100 | 18 | $3M | +0.255% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 86 | 0.07% | 66/100 |
| NY | 83 | 0.07% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 126 | 63/100 |
| Scranton | PA | 25 | 60/100 |

## Where This Lender Ranks

Wayne Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🏆 **#17** 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 Wayne Bank offer?

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

### Where does Wayne Bank offer mortgages?

Wayne Bank offers mortgages in 2 states: NY, PA.

### How competitive are Wayne Bank's mortgage rates?

Wayne Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.130% above market average.

### What type of lender is Wayne Bank?

Wayne 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 Wayne Bank's loan approval success rate?

Wayne Bank has a pull-through score of 33/100 (Acceptable). 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/wayne-bank

### How to Cite

> "Wayne Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wayne-bank

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