Multiple table inner join

I have three tables defined as follows:

merchant (name: string, price: integer) 
finance (no: string, gname: string, minCredit: integer) 
borrower (dname: string, gno: string, deliverydate: date)

example data set:

merchant |  finance |
ally s      jumbo
jim b       jumbo
jimmy g     small

borrower.dname and borrower.gno are foreign keys referencing merchant.name and finance.no

I am trying to write a query to find finances which have a strictly great number of borrowers than the average number of borrowers over all finance types. I am trying to output the finance number (no.)

What I have tried:

 select f.no as no
 from borrower b
 join merchant m on m.name = b.dname
 join finance f on f.no = b.gno
 where count(m.name) > avg(b.dname)

This does not seem to give me the correct result. I think I am on the right path with joining the table and I believe my problem is with the where statement(?) Any help to put me on the right path?