Williams County, OH Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 1,972 mortgage applications in Williams County, OH totaling $231.9 million, up 26% from 2019. The average application was for $117,000, and applicants reported an average income of $75,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was The Farmers & Merchants State Bank, with 348 applications, followed by Premier Bank and Huntington National Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Ohio.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,972 |
| Total Mortgage Loan Application Amount | $231,890,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $2,357,000 |
Top Mortgage Lenders in Williams County, OH (2020)
Ranked by the number of mortgage applications each lender reported in Williams County, OH in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | The Farmers & Merchants State Bank Archbold, OH |
348 | $39,780,000 | $114,000 | $77,000 |
| 2 | Premier Bank Youngstown, OH |
344 | $34,340,000 | $99,000 | $70,000 |
| 3 | Huntington National Bank Columbus, OH |
319 | $33,375,000 | $104,000 | $75,000 |
| 4 | Crosscountry Mortgage, LLC Cleveland, OH |
191 | $22,815,000 | $119,000 | $68,000 |
| 5 | The State Bank & Trust Company Defiance, OH |
182 | $25,410,000 | $139,000 | $77,000 |
| 6 | PNC Bank N.A. Pittsburgh, PA |
47 | $5,335,000 | $113,000 | $79,000 |
| 7 | Fifth Third Bank, National Association Cincinnati, OH |
37 | $3,875,000 | $104,000 | $78,000 |
| 8 | PennyMac Loan Services LLC Westlake Village, CA |
32 | $4,390,000 | $137,000 | $0 |
| 9 | Wells Fargo Bank NA Minneapolis, MN |
23 | $2,775,000 | $120,000 | $59,000 |
| 10 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
17 | $2,385,000 | $140,000 | $56,000 |
The tables below break down 2020 mortgage applications in Williams County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Williams County, OH in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 759 | $94,075,000 | $123,000 | $595,000 | $66,000 | $1,677,000 |
| Refinancing | 720 | $89,850,000 | $124,000 | $655,000 | $81,000 | $453,000 |
| Cash-out Refinancing | 316 | $37,930,000 | $120,000 | $835,000 | $90,000 | $2,357,000 |
| Other Purpose | 87 | $5,445,000 | $62,000 | $205,000 | $76,000 | $450,000 |
| Home Improvement | 79 | $3,465,000 | $43,000 | $135,000 | $63,000 | $240,000 |
| Not Applicable | 11 | $1,125,000 | $102,000 | $215,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,709 | $197,485,000 | $115,000 | $835,000 | $76,000 | $2,357,000 |
| Not Provided | 119 | $16,255,000 | $136,000 | $445,000 | $77,000 | $453,000 |
| Not applicable | 83 | $11,005,000 | $132,000 | $335,000 | $57,000 | $130,000 |
| Hispanic | 48 | $5,490,000 | $114,000 | $275,000 | $61,000 | $170,000 |
| Asian | 4 | $560,000 | $140,000 | $175,000 | $77,000 | $180,000 |
| Black or African American | 4 | $560,000 | $140,000 | $175,000 | $48,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $325,000 | $108,000 | $115,000 | $61,000 | $72,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $25,000 | $25,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,487 | $170,675,000 | $114,000 | $835,000 | $80,000 | $2,357,000 |
| FHA-insured (Federal Housing Administration) | 221 | $26,995,000 | $122,000 | $325,000 | $55,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 135 | $14,855,000 | $110,000 | $265,000 | $46,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 129 | $19,365,000 | $150,000 | $455,000 | $66,000 | $236,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,248 | $151,400,000 | $121,000 | $835,000 | $79,000 | $2,357,000 |
| Application Withdrawn By Applicant | 233 | $27,265,000 | $117,000 | $395,000 | $78,000 | $577,000 |
| Application Denied By Financial Institution | 228 | $21,770,000 | $95,000 | $365,000 | $55,000 | $240,000 |
| Loan Purchased By The Institution | 105 | $14,265,000 | $135,000 | $405,000 | $81,000 | $511,000 |
| File Closed For Incompleteness | 62 | $6,430,000 | $103,000 | $305,000 | $70,000 | $204,000 |
| Preapproval Approved but not Accepted | 37 | $4,605,000 | $124,000 | $405,000 | $103,000 | $1,677,000 |
| Preapproval Denied by Financial Institution | 35 | $3,285,000 | $93,000 | $285,000 | $48,000 | $103,000 |
| Application Approved But Not Accepted | 24 | $2,870,000 | $119,000 | $305,000 | $75,000 | $231,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,705 | $206,295,000 | $120,000 | $835,000 | $79,000 | $2,357,000 |
| Credit History | 100 | $8,040,000 | $80,000 | $285,000 | $51,000 | $130,000 |
| Collateral | 65 | $6,745,000 | $103,000 | $295,000 | $65,000 | $240,000 |
| Debt-To-Income Ratio | 59 | $5,785,000 | $98,000 | $365,000 | $50,000 | $406,000 |
| Credit Application Incomplete | 17 | $2,115,000 | $124,000 | $235,000 | $67,000 | $125,000 |
| Other | 14 | $1,270,000 | $90,000 | $175,000 | $59,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $905,000 | $129,000 | $265,000 | $75,000 | $135,000 |
| Unverifiable Information | 4 | $430,000 | $107,000 | $135,000 | $31,000 | $41,000 |
| Employment History | 1 | $305,000 | $305,000 | $305,000 | $63,000 | $63,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About