Largest lenders in Williams County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Farmers & Merchants State Bank | B | 225 | 176 | 13.8% | 7.50% |
| 2 | The Huntington National Bank | D | 209 | 116 | 24.9% | 7.44% |
| 3 | The State Bank and Trust | B | 149 | 106 | 10.1% | 6.38% |
| 4 | WesBanco Bank | B | 135 | 85 | 25.9% | 6.75% |
| 5 | Crosscountry Mortgage | B | 113 | 74 | 1.8% | 6.99% |
| 6 | Rocket Mortgage | C | 66 | 41 | 31.8% | 6.63% |
| 7 | Mortgage Research Center | C | 39 | 23 | 5.1% | 6.50% |
| 8 | Fifth Third Bank | D | 20 | 9 | 40.0% | 9.39% |
| 9 | United Shore Financial Services | B | 20 | 12 | 15.0% | 5.81% |
| 10 | Coastal Community Bank | C | 18 | 5 | 0.0% | 10.99% |
| 11 | Triad Financial Services | D | 17 | 3 | 64.7% | 9.58% |
| 12 | Loandepot.Com | D | 17 | 8 | 29.4% | 6.63% |
| 13 | Broker Solutions | D | 15 | 5 | 0.0% | 6.99% |
| 14 | 21st Mortgage | F | 14 | 2 | 57.1% | 13.02% |
| 15 | Pennymac Loan Services | C | 12 | 4 | 16.7% | 6.50% |
| 16 | PNC Bank | D | 12 | 6 | 33.3% | 7.19% |
| 17 | AmeriSave Mortgage | D | 10 | 1 | 50.0% | 8.50% |
| 18 | The Sherwood State Bank | – | 10 | 8 | 10.0% | — |
| 19 | Howard Hanna Financial Services | A | 9 | 5 | 0.0% | 6.75% |
| 20 | Equity Resources | C | 8 | 6 | 0.0% | 6.37% |
| 21 | Newrez | D | 8 | 2 | 25.0% | 7.38% |
| 22 | Sofi Bank | D | 8 | 2 | 12.5% | 6.99% |
| 23 | New Day Financial | F | 7 | 1 | 14.3% | 6.99% |
| 24 | Spring Eq | D | 7 | 2 | 42.9% | 7.96% |
| 25 | Freedom Mortgage | B | 7 | 4 | 0.0% | 6.69% |
Best approval odds in Williams County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 83 | 2.4% |
| 2 | The State Bank and Trust | 122 | 12.3% |
| 3 | The Farmers & Merchants State Bank | 207 | 15.0% |
| 4 | WesBanco Bank | 126 | 27.8% |
| 5 | The Huntington National Bank | 172 | 30.2% |
| 6 | Rocket Mortgage | 64 | 32.8% |
What Williams County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Williams County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,125 | 715 | 17.8% | 7.25% | $95,000 |
| 2024 | 1,231 | 779 | 18.6% | 7.13% | $105,000 |
| 2025 | 1,391 | 848 | 18.1% | 6.88% | $115,000 |
Frequently asked questions
18.1% of applications in Williams County were denied in 2025, against 17.7% statewide in Ohio.
The Farmers & Merchants State Bank, with 225 applications in 2025 and a denial rate of 13.8%.
The median mortgage application in Williams County in 2025 was for $115,000; the median property value on originated loans was $185,000.