Mortgage lending in Williams County
848 mortgages were originated in Williams County, Ohio, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 848
- Median rate
- 6.875%
- Median lender fees
- $3,951
- Median loan amount
- $125,000
- Median spread over APOR
- 0.359
- Paid discount points
- 32%
- Received lender credits
- 24.3%
- Purchases / refinances
- 48.9% / 27.1%
- Conventional / FHA / VA
- 79.8% / 10.8% / 7.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Williams County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Farmers & Merchants State Bank | 176 | $2,723 | 7.500% |
| The Huntington National Bank | 116 | $3,818 | 7.440% |
| The State Bank and Trust Company | 106 | $3,486 | 6.375% |
| WesBanco Bank, Inc. | 85 | — | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 74 | $6,928 | 6.990% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Williams County — not a rule of thumb.
From 528 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers