What loan types does Wayne Bank offer?

Wayne Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Wayne Bank offer mortgages?

Wayne Bank offers mortgages in 2 states: NY, PA.

How competitive are Wayne Bank's mortgage rates?

Wayne Bank has an overall pricing score of 60.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Wayne Bank?

Wayne Bank is a Bank headquartered in Honesdale, PA.

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Wayne Bank

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Wayne Bank has 169 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Wayne Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+13.0 bps above market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

169 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

151 loans · 0.11% above market

Sound

Top 60% of lenders

3/5

Refinance

18 loans · 0.26% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	169	100.0%	+0.130%Above	$1,287Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume169

Mix100.0%

Spread

+0.130%Above

Fees

$1,287Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	151	89.3%	+0.109%Above	$1,394Fees
Refinance	Acceptable	Acceptable	—	Acceptable	18	10.7%	+0.255%Above	$665Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume151

Mix89.3%

Spread

+0.109%Above

Fees

$1,394Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume18

Mix10.7%

Spread

+0.255%Above

Fees

$665Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

169

Applications

244

Volume

$50 million

Pricing & Closing

Avg Rate Spread

+0.130%

vs. market APOR

Avg Net Fees

$1,287

Origination − Credits

Pullthrough Rate

69.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$299,556

Avg Borrower Income

$179,450

Avg Property Value

$419,911

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast2

NYPA

Top Metro Areas by Place Specialization Score

Scranton, PAMetro

Volume 25Mix 14.79% of portfolio

60/100

Strong

Top States by Place Specialization Score

PennsylvaniaState

Volume 86Mix 50.89% of portfolio

66/100

Strong

New YorkState

Volume 83Mix 49.11% of portfolio

65/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.