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2024 data HMDA 2024 disclosure official source

Williams County

1,357 mortgage applications, 16.9% denial rate. Verify FIPS 39171 with U.S. Census Bureau →

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Ohio · FIPS 39171

Local mortgage market. Williams County, Ohio saw 1,357 HMDA-reported mortgage applications in 2024. Lenders originated 779 of those loans and denied 229, producing a denial rate of 16.9% and an approval (origination) rate of 57.4%. The average loan amount was $121,654 at an average note rate of 7.48%, with applicants self-reporting average annual income of $35K. 90 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 39171 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,357
Applications
779
Originated
16.9%
Denial Rate
57.4%
Approval Rate
$121,654
Avg Loan Amount
7.48%
Avg Interest Rate
$35K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Williams 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 Premier Bank 168 21.6%
2 The Farmers & Merchants State Bank 122 15.7%
3 Huntington National Bank 97 12.5%
4 The State Bank & Trust Company 94 12.1%
5 Crosscountry Mortgage, LLC 47 6.0%
Compare Premier Bank vs The Farmers & Merchants State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Williams County?
In the 2024 HMDA reporting year, 1,357 mortgage applications were filed in Williams County, Ohio. Of these, 779 were originated (approved and funded), while 229 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Williams County?
The mortgage denial rate in Williams County is 16.9%. The approval (origination) rate is 57.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Williams County?
The average mortgage loan amount in Williams County is $121,654. The average interest rate is 7.478%. The average applicant income is $35K.
What is the loan-to-income ratio in Williams County?
The average loan-to-income ratio in Williams County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Williams County?
The top mortgage lenders in Williams County by origination volume are Premier Bank, The Farmers & Merchants State Bank, Huntington National Bank. In total, 90 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.