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Wayne County, Pennsylvania
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,052 mortgage applications in Wayne County, Pennsylvania, for 2024, and originated 1,257 loans worth $267m.
That is 60.2 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.
The county's denial rate was 22.0%, below the state rate of 24.2%. The median rate spread on originated loans was 0.4 percentage points and 12.7% of originations were 1.5 points or more above the average prime offer rate.
20 lenders reached 25 applications in the county; the most active by originations were The Honesdale National Bank (172), Wayne Bank (98) and The Dime Bank (83).
Originations were up 9% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | The Honesdale National Bank | 190 | 172 | $35m | 2.7% | — |
| 2 | Wayne Bank | 126 | 98 | $15m | 10.7% | — |
| 3 | The Dime Bank | 127 | 83 | $13m | 21.3% | — |
| 4 | Summit Mortgage Corporation | 113 | 80 | $20m | 8.0% | — |
| 5 | Rocket Mortgage | 101 | 76 | $14m | 17.2% | — |
| 6 | United Wholesale Mortgage | 59 | 43 | $12m | 17.3% | — |
| 7 | Nbt Bank NA | 59 | 42 | $7.6m | 21.8% | — |
| 8 | Crosscountry Mortgage, LLC | 52 | 33 | $7.6m | 2.9% | — |
| 9 | Ixonia Bank | 39 | 33 | $7.7m | 8.3% | — |
| 10 | Peoples Security Bank and Trust Company | 39 | 28 | $4.7m | 22.2% | — |
| 11 | Pa State Employees CU | 38 | 26 | $2.4m | 15.6% | — |
| 12 | Mortgage Research Center | 33 | 22 | $6.6m | 26.7% | — |
| 13 | Guaranteed Rate, Inc. | 31 | 20 | $4.4m | 20.0% | — |
| 14 | JPMorgan Chase Bank, NA | 25 | 17 | $4.2m | — | — |
| 15 | CBNA Year to Date | 35 | 16 | $2.3m | 48.4% | — |
| 16 | Newrez LLC | 32 | 14 | $3.1m | — | — |
| 17 | PNC Bank N.A. | 29 | 13 | $3.4m | — | — |
| 18 | New American Funding, LLC. | 29 | 8 | $1.4m | — | — |
| 19 | Amerisave Mortgage Company | 36 | 4 | $800k | 83.9% | — |
| 20 | Discover Bank | 47 | 1 | $105k | 92.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 20. Denial rate is denials over decided applications in this county.
Compared with Pennsylvania and the nation
| Measure | This county | Pennsylvania | United States |
|---|---|---|---|
| Denial rate | 22.0% | 24.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.7% | 14.1% | 15.6% |
| Average originated loan | $212k | $226k | $329k |
| Originations per 1,000 households | 60.2 | 46.6 | 48.0 |
| Home purchase share of originations | 52.3% | 48.7% | 57.0% |
| FHA-insured share | 8.8% | 9.8% | 13.4% |
| VA-guaranteed share | 6.0% | 4.0% | 7.9% |
Rate spread distribution
Share of 1,022 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Pennsylvania). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 52% (657)Home improvement 12% (154)Refinancing 11% (141)Cash-out refinancing 11% (136)Other purpose 13% (169)
By type
Conventional 84% (1,060)FHA 9% (110)VA 6% (75)USDA 1% (12)
Trend by year
ApplicationsOriginations
This countyPennsylvania
Questions and answers
Which lenders are most active in Wayne County, PA?
By 2024 originations: The Honesdale National Bank (172), Wayne Bank (98), The Dime Bank (83), Summit Mortgage Corporation (80), Rocket Mortgage (76). 20 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Wayne County?
22.0% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.
How many mortgages were originated in Wayne County in 2024?
1,257 loans totalling $267m, from 2,052 applications; 60.2 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 42127; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.