The Honesdale National Bank mortgage approval rate & lending review
The Honesdale National Bank decided 506 mortgage applications and funded 476 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Honesdale National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Honesdale National Bank at a glance
Approval is 17.4 points above the 77.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 103 / 111 | 97% | $245K | 100 |
| Home improvement loans | 92% | 94 / 102 | 100% | $55K | 94 |
| Refinance | 95% | 116 / 122 | 97% | $125K | 113 |
| Investment property purchase | 99% | 99 / 100 | 100% | $165K | 99 |
| Investment refinance | 98% | 58 / 59 | 100% | $155K | 58 |
The Honesdale National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 95% | $155K | 506 | 476 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Honesdale National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lackawanna County, PA | Refinance | 100% | 81 | 79 |
| Lackawanna County, PA | Mortgage lenders | 96% | 73 | 69 |
| Lackawanna County, PA | Home improvement loans | 94% | 65 | 61 |
| Lackawanna County, PA | Investment property purchase | 100% | 60 | 60 |
| Luzerne County, PA | Investment property purchase | 97% | 34 | 33 |
| Luzerne County, PA | Refinance | 89% | 36 | 32 |
| Luzerne County, PA | Home improvement loans | 89% | 35 | 31 |
| Lackawanna County, PA | Investment refinance | 100% | 29 | 29 |
| Luzerne County, PA | Mortgage lenders | 91% | 33 | 28 |
The county markets where The Honesdale National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Honesdale National Bank
What is The Honesdale National Bank's mortgage approval rate?
The Honesdale National Bank approved 95.3% of the 506 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.4 points above the 77.9% national rate for the same mix of loan types.
How often do borrowers take the loan The Honesdale National Bank offers?
Borrowers accepted 99% of the loans The Honesdale National Bank approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Honesdale National Bank make?
The typical mortgage refinance loan The Honesdale National Bank made was $125K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Honesdale National Bank lend?
The Honesdale National Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to The Honesdale National Bank directly?
Yes. The Honesdale National Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Honesdale National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Honesdale National Bank treats applications, then get a rate quote from the lender.