Largest lenders in Wayne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Honesdale National Bank | B | 217 | 185 | 3.7% | 7.50% |
| 2 | Wayne Bank | F | 154 | 104 | 18.8% | — |
| 3 | The Dime Bank | D | 152 | 104 | 17.8% | — |
| 4 | Rocket Mortgage | C | 143 | 106 | 17.5% | 6.93% |
| 5 | Summit Mortgage | B | 91 | 71 | 6.6% | 6.50% |
| 6 | NBT Bank | B | 73 | 46 | 27.4% | 4.99% |
| 7 | Guaranteed Rate | B | 62 | 32 | 9.7% | 6.88% |
| 8 | United Shore Financial Services | B | 55 | 38 | 16.4% | 6.56% |
| 9 | Crosscountry Mortgage | B | 45 | 31 | 2.2% | 6.63% |
| 10 | Citizens Bank | C | 44 | 17 | 36.4% | 7.15% |
| 11 | Pennymac Loan Services | C | 43 | 17 | 18.6% | 6.75% |
| 12 | PNC Bank | D | 41 | 20 | 34.2% | 7.36% |
| 13 | Mortgage Research Center | C | 41 | 21 | 14.6% | 6.25% |
| 14 | Navy Federal Credit Union | D | 34 | 12 | 20.6% | 7.75% |
| 15 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 33 | 22 | 15.2% | 6.64% |
| 16 | Broker Solutions | D | 32 | 8 | 12.5% | 6.93% |
| 17 | Ixonia Bank | C | 31 | 26 | 0.0% | 6.75% |
| 18 | Guild Mortgage | A | 29 | 20 | 10.3% | 6.75% |
| 19 | Peoples Security Bank and Trust | A | 27 | 15 | 25.9% | 1.99% |
| 20 | Newrez | D | 23 | 9 | 17.4% | 7.50% |
| 21 | TD Bank | D | 23 | 7 | 43.5% | 6.88% |
| 22 | Bank of America | F | 22 | 4 | 54.6% | 6.09% |
| 23 | JPMorgan Chase Bank | B | 22 | 11 | 13.6% | 6.75% |
| 24 | Freedom Mortgage | B | 22 | 6 | 4.6% | 6.31% |
| 25 | AmeriSave Mortgage | D | 21 | 8 | 38.1% | 8.06% |
Best approval odds in Wayne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Honesdale National Bank | 199 | 4.0% |
| 2 | Summit Mortgage | 78 | 7.7% |
| 3 | Rocket Mortgage | 133 | 18.8% |
| 4 | The Dime Bank | 134 | 20.2% |
| 5 | Wayne Bank | 135 | 21.5% |
| 6 | NBT Bank | 70 | 28.6% |
What Wayne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wayne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,882 | 1,153 | 18.0% | 7.00% | $165,000 |
| 2024 | 2,052 | 1,257 | 17.9% | 7.00% | $175,000 |
| 2025 | 2,324 | 1,407 | 17.1% | 6.75% | $165,000 |
Frequently asked questions
17.1% of applications in Wayne County were denied in 2025, against 18.3% statewide in Pennsylvania.
The Honesdale National Bank, with 217 applications in 2025 and a denial rate of 3.7%.
The median mortgage application in Wayne County in 2025 was for $165,000; the median property value on originated loans was $325,000.