Wayne County
West Virginia · FIPS 54099
According to CFPB HMDA 2024 application volume among U.S. counties, Wayne County ranks #1,376 of 3,210, and #12 of 55 in West Virginia.
Mortgage lending activity in Wayne County, West Virginia 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, West Virginia saw 1,055 HMDA-reported mortgage applications in 2024. Lenders originated 444 of those loans and denied 305, producing a denial rate of 28.9% and an approval (origination) rate of 42.1%. The average loan amount was $115,171 at an average note rate of 7.18%, with applicants self-reporting average annual income of $35K. 67 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 Rocket Mortgage funded 11.3% of 444 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.8% 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 1,055 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wayne County's $115,171 average loan (deduped against volume peers).
Lenders active in Wayne County
Rocket Mortgage funded 50 of the 444 loans originated in Wayne County, 11.3% of the county. 67 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 50 | 11.3% |
| 2 | Movement Mortgage, LLC | 36 | 8.1% |
| 3 | City National Bank of WV | 33 | 7.4% |
| 4 | Huntington Federal | 31 | 7.0% |
| 5 | PRIMELENDING | 24 | 5.4% |
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.