Homebuyers in Williams County County who chose The Farmers & Merchants State Bank paid $1,445 less in closing costs than the county median.
County Median Costs
$4,220
−19.5% vs Ohio ($5,240)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,640
Purchase Originations
341
Denial Rate
9.0%
vs Ohio avg (6.9%)
vs Ohio Median
19.5% below
$-1,020
vs National Median
36.8% below
$-2,460
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,775 | 6.500% | $920 | 48 | −$853 | |
| 2 | $3,580 | 6.375% | $975 | 51 | −$48 | |
| 3 | $3,607 | 6.750% | $1,695 | 27 | −$21 | |
| 4 | $3,955 | 6.750% | $1,521 | 33 | +$327 | |
| 5 | $5,966 | 6.990% | $3,513 | 22 | +$2,338 |
Includes lenders with 10+ purchase originations in Williams County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Ohio → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.