Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Wayne County, Ohio
Every institution that decided a 1–4 unit mortgage application in Wayne County, home to Wooster, between 2023 and 2025: 7,147 applications, 5,500 loans actually funded, across 8 kinds of borrowing.
Wayne County at a glance
7,147Applications decided
2023–2025
5,500Loans funded
77% of decisions
32Census tracts
13 ZIP codes
116,618People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Lending by loan type in Wayne County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.7% | 3,064 | $195K | 96% | 193 |
| Home improvement loans | 64.7% | 1,205 | $75K | 94% | 61 |
| Cash-out refinance | 73.0% | 1,248 | $145K | 96% | 109 |
| Refinance | 80.4% | 1,294 | $125K | 95% | 107 |
| Investment property purchase | 94.0% | 250 | $135K | 93% | 62 |
| Investment cash-out refinance | 79.0% | 19 | $95K | 80% | 15 |
| Investment refinance | 87.8% | 41 | $135K | 92% | 18 |
| Investment home improvement | 57.7% | 26 | $105K | 100% | 14 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.