Wayne Bank in New York vs the state
20.9%Denial rate+1.16 pts vs state
27.8%Decision denial rate+3.75 pts vs state
53.2%Origination rate-6.36 pts vs state
—Median rate
—Rate spread (pts)
$112kMedian applicant income
247Loans originated
97Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 353 | 221 | 16.4% | 6.75% | #145 |
| 2024 | 315 | 197 | 21.0% | 6.88% | #161 |
| 2025 | 464 | 247 | 20.9% | — | #140 |
What Wayne Bank lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Wayne Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 125 | 59 | 36 | 28.8% |
| Sullivan County | 106 | 51 | 28 | 26.4% |
| Otsego County | 82 | 43 | 13 | 15.9% |
| Yates County | 29 | 13 | 7 | 24.1% |
| Broome County | 22 | 15 | 4 | 18.2% |
| Schoharie County | 18 | 11 | 2 | 11.1% |
| Ontario County | 16 | 11 | 2 | 12.5% |
| Steuben County | 12 | 6 | 0 | 0.0% |
| Seneca County | 12 | 8 | 2 | 16.7% |
| Ulster County | 6 | 2 | 2 | 33.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 464 applications in 2025, of which 247 were originated and 97 denied.
20.9% of all applications, or 27.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Wayne Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology