Wayne County
Indiana · FIPS 18177
According to CFPB HMDA 2024 application volume among U.S. counties, Wayne County ranks #915 of 3,210, and #30 of 92 in Indiana.
Mortgage lending activity in Wayne County, Indiana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Wayne County, Indiana saw 2,066 HMDA-reported mortgage applications in 2024. Lenders originated 1,176 of those loans and denied 365, producing a denial rate of 17.7% and an approval (origination) rate of 56.9%. The average loan amount was $129,027 at an average note rate of 6.94%, with applicants self-reporting average annual income of $35K. 123 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Wayne County
In Wayne County, lead originator Three Rivers Federal Crediit U funded 14.7% of 1,176 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 38.4% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Wayne County's 2,066 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wayne County's $129,027 average loan (deduped against volume peers).
Lenders active in Wayne County
Three Rivers Federal Crediit U funded 173 of the 1,176 loans originated in Wayne County, 14.7% of the county. 123 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Three Rivers Federal Crediit U | 173 | 14.7% |
| 2 | First Financial Bank | 156 | 13.3% |
| 3 | First Bank Richmond | 122 | 10.4% |
| 4 | Newrez LLC | 93 | 7.9% |
| 5 | PRIMELENDING | 55 | 4.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Wayne County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Wayne County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.