Applications / Mortgage Analytics / Lenders / Pennsylvania / Wayne Bank
Honesdale, PA · State non-member bank · FDIC · $2.4 billion assets · 549 loans in 2025
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549
loans originated, 2025
939
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wayne Bank is a rural Pennsylvania and New York bank whose originations grew 22% in 2025, faster than most similar banks, with purchases and home improvement making up most of its lending.
Originations rose to 549 from 449, while the typical peer grew 9% and the whole market 10%, higher than about four in five similar lenders (state non-member banks making between half and twice as many loans). Dollar volume rose to $116.8 million from $104.3 million. Its loans peaked at 691 in 2022.
Purchases made up 42.4% of its loans, home improvement 28.2%, refinances 15.5% and other purposes 13.8%. Its typical loan was $155,000, against $185,000 for peers, and it made no jumbo loans. All its loans were conventional.
In Scranton--Wilkes-Barre, where it has lent since before 1990, it ranks 30 of 395 lenders with 0.8% of the dollars, down from 1.2%, in a market led by Rocket Mortgage and Peoples Security Bank and Trust Company. In Binghamton its share rose from 0.1% to 0.4%. One possibility is that more of its growth came from its New York markets. Its two largest markets are non-metro Pennsylvania and non-metro New York.
22.0% of its loans went to low- and moderate-income (LMI) borrowers, against 27.4% for peers, lower than about seven in ten of them, and 13.0% were in LMI tracts, against 15.8%. Possible reasons are its mostly rural footprint, where fewer tracts are classed as LMI, and the borrowers its branches serve.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wayne Bank took 939 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.4% · Home improvement 28.2% · Refinance 15.5% · Other 13.8%
Conventional 100.0% · of 549 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 302 | 55.0% |
| New York | 247 | 45.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 77 |
| Binghamton | 15 |
| Rochester | 15 |
| Albany-Schenectady-Troy | 12 |
| Allentown-Bethlehem-Easton | 4 |
| Kingston | 2 |
| Utica-Rome | 2 |
| Elmira | 1 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
| Lancaster | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZGHPTWOJPDI31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 59316 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3698 | 1994–2017 |
Established 1 January 1871. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Wayne Bank's data.
Wayne Bank's data
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Wayne Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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