Wayne Bank in Pennsylvania vs the state
20.6%Denial rate+2.34 pts vs state
24.1%Decision denial rate+1.93 pts vs state
63.6%Origination rate+2.62 pts vs state
—Median rate
—Rate spread (pts)
$111kMedian applicant income
302Loans originated
98Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 362 | 243 | 18.8% | 6.75% | #178 |
| 2024 | 377 | 251 | 19.4% | 6.75% | #183 |
| 2025 | 475 | 302 | 20.6% | — | #162 |
What Wayne Bank lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Wayne Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 154 | 104 | 29 | 18.8% |
| Pike County | 96 | 64 | 19 | 19.8% |
| Lackawanna County | 64 | 39 | 11 | 17.2% |
| Luzerne County | 57 | 35 | 13 | 22.8% |
| Monroe County | 56 | 32 | 15 | 26.8% |
| Susquehanna County | 20 | 14 | 5 | 25.0% |
| Wyoming County | 8 | 3 | 3 | 37.5% |
| Northampton County | 5 | 2 | 0 | 0.0% |
| Carbon County | 4 | 2 | 1 | 25.0% |
| Clearfield County | 2 | 2 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 475 applications in 2025, of which 302 were originated and 98 denied.
20.6% of all applications, or 24.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology