Wayne Bank mortgage approval rate & lending review
Wayne Bank decided 417 mortgage applications and funded 303 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wayne Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wayne Bank at a glance
Approval is 1.0 points below the 76.1% 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 | 79% | 95 / 120 | 99% | $275K | 94 |
| Home improvement loans | 63% | 87 / 138 | 93% | $75K | 81 |
| Refinance | 69% | 33 / 48 | 100% | $95K | 33 |
| Investment property purchase | 95% | 72 / 76 | 96% | $175K | 69 |
Wayne Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 75% | $235K | 322 | 232 |
| New York | 76% | $95K | 95 | 71 |
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 Wayne Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lackawanna County, PA | Mortgage lenders | 88% | 34 | 30 |
| Lackawanna County, PA | Home improvement loans | 70% | 37 | 25 |
| Monroe County, PA | Home improvement loans | 55% | 47 | 23 |
| Luzerne County, PA | Investment property purchase | 100% | 22 | 22 |
| Luzerne County, PA | Home improvement loans | 65% | 31 | 18 |
The county markets where Wayne Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Wayne Bank
What is Wayne Bank's mortgage approval rate?
Wayne Bank approved 75.1% of the 417 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points below the 76.1% national rate for the same mix of loan types.
How often do borrowers take the loan Wayne Bank offers?
Borrowers accepted 97% of the loans Wayne Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wayne Bank make?
The typical home improvement loan loan Wayne Bank made was $75K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wayne Bank lend?
Wayne Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and New York.
Can I apply to Wayne Bank directly?
Yes. Wayne Bank is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wayne 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 Wayne Bank treats applications, then get a rate quote from the lender.