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2024 data HMDA 2024 disclosure official source

Wayne County

2,066 mortgage applications, 17.7% denial rate. Verify FIPS 18177 with U.S. Census Bureau →

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Indiana · FIPS 18177

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.

FIPS 18177 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,066
Applications
1,176
Originated
17.7%
Denial Rate
56.9%
Approval Rate
$129,027
Avg Loan Amount
6.94%
Avg Interest Rate
$35K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Wayne County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Three Rivers Federal Crediit U vs First Financial Bank →

Frequently Asked Questions

How many mortgage applications were filed in Wayne County?
In the 2024 HMDA reporting year, 2,066 mortgage applications were filed in Wayne County, Indiana. Of these, 1,176 were originated (approved and funded), while 365 were denied, resulting in a denial rate of 17.7%.
What is the mortgage denial rate in Wayne County?
The mortgage denial rate in Wayne County is 17.7%. The approval (origination) rate is 56.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wayne County?
The average mortgage loan amount in Wayne County is $129,027. The average interest rate is 6.937%. The average applicant income is $35K.
What is the loan-to-income ratio in Wayne County?
The average loan-to-income ratio in Wayne County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wayne County?
The top mortgage lenders in Wayne County by origination volume are Three Rivers Federal Crediit U, First Financial Bank, First Bank Richmond. In total, 123 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.