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State markets/Ohio/Wood County

COUNTY MORTGAGE MARKET · FIPS 39173

Wood County, Ohio

Who lends in Wood County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$669.9M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

2,998

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

15.4%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

239

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 239 lenders that originated in Wood County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

443

unconcentrated

Top-5 lender share

37.1%

of originations

Purchase

62.2%

1,399 loans

Refinance

37.8%

850 loans

Origination trend

Annual mortgage origination volume and loan count in Wood County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Wood County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Wood County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR WOOD COUNTY →

TOP TEN LENDERS IN WOOD COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

553$98.8M$98.8M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$53.2M$53.2M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
177$34.2M$34.2M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
217$31.8M$31.8M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
97$30.6M$30.6M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
111$28.8M$28.8M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
61$19.2M$19.2M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
104$18.8M$18.8M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
59$15.4M$15.4M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
52$15.1M$15.1M originated in Wood County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Wood County

All 34 ZIP Code Tabulation Areas that touch Wood County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
34 OF 34 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 12 Wood County tracts this ZIP area touches sit mostly inside it.46,33715.0%11,940——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Wood County tracts this ZIP area touches sit mostly inside it.45,69017.1%8,323——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Wood County tracts this ZIP area touches sit mostly inside it.5,16017.2%1,830——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Wood County tracts this ZIP area touches sit mostly inside it.4,85914.1%1,271——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Wood County tracts this ZIP area touches sit mostly inside it.4,1579.7%1,220——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Wood County tracts this ZIP area touches sit mostly inside it.3,8748.7%1,221——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Wood County tracts this ZIP area touches sit mostly inside it.3,85412.0%1,336——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Wood County tracts this ZIP area touches sit mostly inside it.3,7588.9%1,098——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Wood County tracts this ZIP area touches sit mostly inside it.3,53611.9%1,161——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Wood County tracts this ZIP area touches sit mostly inside it.3,05313.5%1,059——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Wood County tracts this ZIP area touches sit mostly inside it.2,94212.8%856——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Wood County tract this ZIP area touches sit mostly inside it.2,66017.4%954——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Wood County tracts this ZIP area touches sit mostly inside it.2,40411.4%789——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Wood County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

31 of Wood County’s 31 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Wood County

All 31 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

31 OF 31 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper123.6%5,16017.2%OPEN →
Middle102.2%2,94212.8%OPEN →
Upper162.3%4,93012.9%OPEN →
Upper147.3%5,67813.1%OPEN →
Upper132.7%6,55018.4%OPEN →
Upper144.0%2,2638.8%OPEN →
Upper143.7%4,12017.0%OPEN →
Upper265.2%8,80816.4%OPEN →
Upper134.9%3,44123.7%OPEN →
Middle90.2%4,00312.6%OPEN →
Middle90.3%3,85412.0%OPEN →
Upper122.6%4,85914.1%OPEN →
Middle85.0%2,44713.2%OPEN →
Middle102.9%4,0979.2%OPEN →
Middle118.9%3,8748.7%OPEN →
Upper174.3%7,78713.6%OPEN →
Upper145.5%3,4508.5%OPEN →
Middle102.7%3,05313.5%OPEN →
Middle112.2%2,40411.4%OPEN →
Upper133.3%5,33411.1%OPEN →
Moderate74.7%2,38419.7%OPEN →
Middle98.3%3,20020.5%OPEN →
Moderate73.5%4,80722.4%OPEN →
—0.0%5,62822.2%OPEN →
Middle117.3%3,72913.1%OPEN →
Low48.6%5,08423.9%OPEN →
Middle89.3%4,1579.7%OPEN →
Middle119.6%2,66017.4%OPEN →
Middle98.5%3,7588.9%OPEN →
Moderate71.5%3,53611.9%OPEN →
Middle108.1%4,28717.1%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

132,064

Median household income

$74,216

Median home value

$227,600

Median gross rent

$972

per month

Owner-occupied

64.4%

of occupied units

Housing units

57,649

5.9% vacant

Poverty rate

12.2%

Unemployment

4.5%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Low

score 65.7

Social vulnerability

Very Low

Community resilience

Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

54

Declarations recorded

10

Incident types on record: Biological, Hurricane, Severe Storm, Snowstorm, Tornado.

Everything we hold on Wood County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Wood County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Wood County →Every reported application and origination in FIPS 39173, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Wood County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

140

—

Purchase share

43.6%

61 loans

IRRRL refinances

54

Cash-out refinances

25

2026140—615425
2025128—753122
2024115—772018
2023106—80125
2022——1043434
2021324—9919134
2020285—9715434
2019165—1041942
2018183—1181352
2017209—1224047
2016171—1053630
2015148—942925

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Wood County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Wood County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

101

−68.3% vs 2024

Multifamily · 2025

62

−64.0% vs 2024

Total authorized · 2025

163

−66.8% vs 2024

Permit valuation · 2025

$51.5M

authorized construction value

Units authorized by year

Wood County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025163 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Wood County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
inflow2223Lucas County, OH1,5532,435$93.5M
outflow2223Lucas County, OH1,3672,097$77.8M
outflow2223Other flows - South, DS526826$60.3M
inflow2223Other flows - South, DS401670$28.8M
outflow2223Other flows - Midwest, DS277426$20.0M
inflow2223Other flows - Midwest, DS275425$17.1M
outflow2223Hancock County, OH237369$10.6M
inflow2223Hancock County, OH231374$12.2M
inflow2223Other flows - West, DS177326$19.3M
outflow2223Other flows - West, DS166261$11.0M
outflow2223Franklin County, OH147181$6.6M
outflow2223Other flows - Northeast, DS143218$11.3M
inflow2223Ottawa County, OH138227$8.4M
outflow2223Sandusky County, OH136215$6.7M
outflow2223Ottawa County, OH136239$10.4M
inflow2223Seneca County, OH122201$4.9M
inflow2223Other flows - Northeast, DS121204$11.3M
inflow2223Franklin County, OH116158$6.0M
inflow2223Sandusky County, OH114193$6.0M
outflow2223Seneca County, OH113182$4.5M
outflow2223Cuyahoga County, OH100116$4.3M
inflow2223Cuyahoga County, OH84102$4.7M
inflow2223Henry County, OH82125$2.9M
outflow2223Henry County, OH77125$4.9M
inflow2223Monroe County, MI76131$5.9M
outflow2223Fulton County, OH6392$3.5M
outflow2223Monroe County, MI6194$3.8M
inflow2223Fulton County, OH5789$3.1M
outflow2223Wayne County, MI5670$2.7M
inflow2223Wayne County, MI5169$2.9M
inflow2223Allen County, OH3956$1.5M
outflow2223Oakland County, MI3749$2.9M
outflow2223Hamilton County, OH3545$1.5M
inflow2223Defiance County, OH3545$1.1M
outflow2223Erie County, OH3539$1.8M
outflow2223Lorain County, OH3448$2.1M
inflow2223Summit County, OH3441$1.5M
inflow2223Erie County, OH3340$1.2M
outflow2223Cook County, IL3136$1.7M
outflow2223Montgomery County, OH3144$1.5M
outflow2223Summit County, OH3140$1.9M
outflow2223Washtenaw County, MI3145$2.0M
outflow2223Delaware County, OH3054$3.2M
inflow2223Montgomery County, OH2935$1.3M
inflow2223Lorain County, OH2835$887K
inflow2223Hamilton County, OH2631$1.3M
inflow2223Oakland County, MI2534$1.7M
outflow2223Allen County, OH2441$1.6M
inflow2223Washtenaw County, MI2447$1.5M
inflow2223Putnam County, OH2335$927K
inflow2223Delaware County, OH2229$1.7M
inflow2223Huron County, OH2129$1.3M
inflow2223Maricopa County, AZ2027$858K
inflow2223Macomb County, MI2028$833K
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Lucas County, OH1,5112,355$90.9M
inflow2122Lucas County, OH1,5002,461$91.1M
outflow2122Other flows - South, DS560907$48.3M
inflow2122Other flows - South, DS411695$29.9M
outflow2122Other flows - Midwest, DS285446$18.6M
inflow2122Other flows - Midwest, DS260417$18.5M
outflow2122Hancock County, OH231392$11.4M
inflow2122Hancock County, OH216385$15.6M
outflow2122Other flows - West, DS192271$12.7M
inflow2122Other flows - West, DS178332$13.4M
outflow2122Franklin County, OH158189$8.0M
inflow2122Ottawa County, OH137227$7.4M
outflow2122Ottawa County, OH136207$8.6M
inflow2122Other flows - Northeast, DS123204$10.0M
outflow2122Other flows - Northeast, DS119181$10.7M
outflow2122Sandusky County, OH114197$5.0M
inflow2122Sandusky County, OH113147$5.4M
inflow2122Franklin County, OH105148$5.8M
inflow2122Seneca County, OH105165$3.8M
outflow2122Seneca County, OH104179$4.2M
outflow2122Cuyahoga County, OH85110$4.8M
inflow2122Monroe County, MI77114$4.2M
outflow2122Henry County, OH69119$3.8M
inflow2122Henry County, OH68114$3.8M
inflow2122Cuyahoga County, OH6783$3.4M
inflow2122Wayne County, MI61102$4.7M
outflow2122Monroe County, MI5394$3.2M
outflow2122Fulton County, OH5177$2.5M
inflow2122Fulton County, OH5082$2.3M
outflow2122Oakland County, MI4354$2.5M
outflow2122Wayne County, MI3963$1.9M
inflow2122Allen County, OH3867$2.1M
outflow2122Hamilton County, OH3539$1.5M
outflow2122Cook County, IL3443$1.7M
outflow2122Allen County, OH3247$1.3M
inflow2122Lorain County, OH3142$1.8M
outflow2122Washtenaw County, MI3148$2.8M
outflow2122Summit County, OH2943$2.3M
inflow2122Oakland County, MI2639$2.2M
outflow2122Lorain County, OH2634$1.4M
inflow2122Putnam County, OH2327$890K
inflow2122Erie County, OH2227$915K
inflow2122Maricopa County, AZ2144$2.8M
outflow2122Delaware County, OH2031$2.6M
inflow2122Macomb County, MI2032$1.5M
inflow2122Washtenaw County, MI2029$1.6M
inflow2122Summit County, OH2024$1.2M
outflow2122Putnam County, OH2029$818K
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
inflow2021Lucas County, OH1,6522,796$88.8M
outflow2021Lucas County, OH1,5282,414$74.3M
outflow2021Other flows - South, DS525919$39.5M
inflow2021Other flows - South, DS380698$26.0M
outflow2021Hancock County, OH274453$12.6M
outflow2021Other flows - Midwest, DS271449$19.5M
inflow2021Other flows - Midwest, DS261444$19.4M
inflow2021Hancock County, OH223398$11.3M
outflow2021Other flows - West, DS179291$11.0M
inflow2021Other flows - West, DS159286$15.5M
inflow2021Ottawa County, OH156259$8.5M
outflow2021Seneca County, OH137258$5.1M
inflow2021Sandusky County, OH131201$6.5M
outflow2021Ottawa County, OH129194$7.7M
outflow2021Sandusky County, OH125193$5.3M
inflow2021Seneca County, OH123193$4.8M
outflow2021Franklin County, OH121146$5.9M
outflow2021Other flows - Northeast, DS104156$9.4M
inflow2021Other flows - Northeast, DS102168$7.2M
inflow2021Franklin County, OH93139$5.0M
outflow2021Henry County, OH73142$3.2M
inflow2021Fulton County, OH71121$2.8M
inflow2021Monroe County, MI66116$4.0M
outflow2021Cuyahoga County, OH6576$2.4M
outflow2021Monroe County, MI6097$2.9M
outflow2021Fulton County, OH6089$2.6M
inflow2021Henry County, OH5494$2.8M
inflow2021Cuyahoga County, OH5163$4.2M
outflow2021Wayne County, MI5066$1.9M
outflow2021Hamilton County, OH3957$2.3M
inflow2021Wayne County, MI3763$1.5M
outflow2021Lorain County, OH2942$1.5M
outflow2021Summit County, OH2937$1.9M
inflow2021Lorain County, OH2837$1.7M
inflow2021Allen County, OH2741$1.4M
inflow2021Defiance County, OH2633$948K
inflow2021Oakland County, MI2642$2.6M
outflow2021Delaware County, OH2446$2.6M
inflow2021Montgomery County, OH2329$956K
outflow2021Washtenaw County, MI2331$1.4M
inflow2021Cook County, IL2333$1.8M
outflow2021Montgomery County, OH2231$973K
outflow2021Oakland County, MI2130$1.3M
inflow2021Washtenaw County, MI2129$1.2M
inflow2021Summit County, OH2130$987K
outflow2021Davidson County, TN2025$1.3M
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Lucas County, OH1,5132,643$81.8M
inflow1920Lucas County, OH1,5012,762$88.7M
outflow1920Other flows - South, DS510957$38.0M
inflow1920Other flows - South, DS360670$27.3M
inflow1920Other flows - Midwest, DS270471$17.8M
outflow1920Other flows - Midwest, DS268439$17.0M
inflow1920Hancock County, OH244442$10.9M
outflow1920Hancock County, OH232406$9.6M
outflow1920Other flows - West, DS157264$14.3M
inflow1920Other flows - West, DS154289$9.3M
outflow1920Franklin County, OH150188$6.1M
inflow1920Sandusky County, OH143243$6.1M
inflow1920Ottawa County, OH142238$7.4M
outflow1920Ottawa County, OH140249$7.7M
outflow1920Seneca County, OH133251$4.9M
outflow1920Other flows - Northeast, DS129210$9.8M
outflow1920Sandusky County, OH120192$5.7M
inflow1920Seneca County, OH117184$3.8M
inflow1920Other flows - Northeast, DS113211$7.6M
outflow1920Cuyahoga County, OH95118$4.2M
inflow1920Franklin County, OH91137$5.5M
inflow1920Monroe County, MI81144$4.3M
inflow1920Cuyahoga County, OH6591$4.0M
inflow1920Henry County, OH64125$3.5M
outflow1920Henry County, OH6199$2.9M
inflow1920Fulton County, OH61100$2.7M
outflow1920Monroe County, MI5689$3.2M
outflow1920Fulton County, OH55120$2.7M
outflow1920Wayne County, MI4878$2.3M
inflow1920Wayne County, MI4676$3.1M
outflow1920Washtenaw County, MI3550$2.2M
outflow1920Hamilton County, OH3348$1.6M
inflow1920Allen County, OH3262$1.9M
inflow1920Cook County, IL2951$3.4M
inflow1920Lorain County, OH2836$1.6M
outflow1920Summit County, OH2644$1.6M
outflow1920Lorain County, OH2637$1.5M
outflow1920Montgomery County, OH2536$1.2M
outflow1920Maricopa County, AZ2545$2.1M
outflow1920Oakland County, MI2538$2.3M
inflow1920Washtenaw County, MI2437$1.1M
inflow1920Oakland County, MI2437$1.9M
outflow1920Defiance County, OH2335$1.1M
inflow1920Erie County, OH2238$771K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Wood County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals817.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals270.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,087.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals235,000.0
2023BothNo CharacteristicAll Appraisals255,000.0
2023PurchaseNo CharacteristicAll Appraisals257,500.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals235,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals235,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals491.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals225,000.0
2022BothNo CharacteristicAll Appraisals1,435.0
2022PurchaseNo CharacteristicAll Appraisals944.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals234,000.0
2021BothNo CharacteristicAll Appraisals2,425.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,239.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals1,186.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals230,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals227,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals2,507.0
2020PurchaseNo CharacteristicAll Appraisals1,212.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals221,000.0
2020RefinanceNo CharacteristicAll Appraisals235,000.0
2020RefinanceNo CharacteristicAll Appraisals1,295.0
2020PurchaseNo CharacteristicAll Appraisals203,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals200,000.0
2019PurchaseNo CharacteristicAll Appraisals1,110.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals210,000.0
2019BothNo CharacteristicAll Appraisals1,956.0
2019RefinanceNo CharacteristicAll Appraisals846.0
2019PurchaseNo CharacteristicAll Appraisals195,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals175,500.0
2018BothNo CharacteristicAll Appraisals1,657.0
2018PurchaseNo CharacteristicAll Appraisals1,099.0
2018RefinanceNo CharacteristicAll Appraisals558.0
2018BothNo CharacteristicAll Appraisals185,000.0
2018PurchaseNo CharacteristicAll Appraisals190,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals190,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals1,687.0
2017PurchaseNo CharacteristicAll Appraisals1,065.0
2017PurchaseNo CharacteristicAll Appraisals180,000.0
2017RefinanceNo CharacteristicAll Appraisals622.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals185,000.0
2016PurchaseNo CharacteristicAll Appraisals1,094.0
2016RefinanceNo CharacteristicAll Appraisals200,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals173,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals185,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals1,854.0
2016RefinanceNo CharacteristicAll Appraisals760.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals170,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals185,000.0
2015BothNo CharacteristicAll Appraisals1,652.0
2015RefinanceNo CharacteristicAll Appraisals614.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,038.0
2015BothNo CharacteristicAll Appraisals175,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals168,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Wood County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0568,13966,1511,9882.9%
2026-0468,48466,3772,1073.1%
2026-0368,40065,8112,5893.8%
2026-0268,52665,5392,9874.4%
2026-0167,64964,5483,1014.6%
2025-1268,81166,1142,6973.9%
2025-1169,19866,4972,7013.9%
2025-0969,44266,6612,7814.0%
2025-0869,49666,4313,0654.4%
2025-0769,53466,1033,4314.9%
2025-0670,08666,8183,2684.7%
2025-0570,53167,5223,0094.3%
2025-0470,65467,5573,0974.4%
2025-0370,88367,4293,4544.9%
2025-0270,56666,8563,7105.3%
2025-0169,83266,0893,7435.4%
2024-1270,84767,5863,2614.6%
2024-1171,63067,9963,6345.1%
2024-1070,52567,0563,4694.9%
2024-0970,54767,5792,9684.2%
2024-0870,34167,1413,2004.5%
2024-0770,52167,0773,4444.9%
2024-0670,92267,6703,2524.6%
2024-0570,43767,6972,7403.9%
2024-0470,19267,7222,4703.5%
2024-0370,51967,7092,8104.0%
2024-0270,10967,2122,8974.1%
2024-0169,32466,3742,9504.3%
2023-1269,89567,6672,2283.2%
2023-1170,14267,8992,2433.2%
2023-1069,04466,5852,4593.6%
2023-0969,86267,4632,3993.4%
2023-0869,98967,5002,4893.6%
2023-0769,92367,5402,3833.4%
2023-0669,97067,5152,4553.5%
2023-0569,85867,6472,2113.2%
2023-0469,52567,5521,9732.8%
2023-0369,61667,1812,4353.5%
2023-0269,28666,7102,5763.7%
2023-0168,66666,0202,6463.9%
2022-1268,48566,3192,1663.2%
2022-1168,32966,2392,0903.1%
2022-1068,76766,3902,3773.5%
2022-0968,13965,6912,4483.6%
2022-0868,20565,5402,6653.9%
2022-0768,42565,8152,6103.8%
2022-0668,34965,6092,7404.0%
2022-0568,38466,2082,1763.2%
2022-0468,06165,9662,0953.1%
2022-0368,33965,8792,4603.6%
2022-0268,01465,3522,6623.9%
2022-0167,04864,3452,7034.0%
2021-1266,99564,9842,0113.0%
2021-1167,07464,9752,0993.1%
2021-1066,99864,6652,3333.5%
2021-0966,70164,1722,5293.8%
2021-0866,98464,0842,9004.3%
2021-0767,17663,7583,4185.1%
2021-0667,33863,6563,6825.5%
2021-0566,63863,5713,0674.6%
2021-0467,10163,8613,2404.8%
2021-0367,52863,9053,6235.4%
2021-0267,32563,5383,7875.6%
2021-0166,67262,8323,8405.8%
2020-1267,97664,6973,2794.8%
2020-1168,14965,1712,9784.4%
2020-1068,80565,4713,3344.8%
2020-0968,04064,0603,9805.8%
2020-0867,50763,2034,3046.4%
2020-0766,65761,0455,6128.4%
2020-0666,69560,0306,66510.0%
2020-0564,20555,2378,96814.0%
2020-0463,34653,28410,06215.9%
2020-0370,45867,2383,2204.6%
2020-0270,99868,2522,7463.9%
2020-0170,48767,3183,1694.5%
2019-1270,71268,2802,4323.4%
2019-1171,39469,0162,3783.3%
2019-1071,57269,0842,4883.5%
2019-0970,63668,0632,5733.6%
2019-0870,46167,7972,6643.8%
2019-0770,97768,0002,9774.2%
2019-0670,98268,1272,8554.0%
2019-0570,60268,0842,5183.6%
2019-0470,19267,9602,2323.2%
2019-0369,93967,3212,6183.7%
2019-0269,95967,1702,7894.0%
2019-0169,46166,2863,1754.6%
2018-1269,95667,1372,8194.0%
2018-1170,18767,6102,5773.7%
2018-1070,15967,5172,6423.8%
2018-0969,21266,6002,6123.8%
2018-0868,99266,2142,7784.0%
2018-0769,59666,5953,0014.3%
2018-0669,88066,5833,2974.7%
2018-0569,54566,9282,6173.8%
2018-0469,48666,8762,6103.8%
2018-0369,36966,6092,7604.0%
2018-0269,42966,4233,0064.3%
2018-0168,68765,5893,0984.5%

BEA Personal Income

2024$8.33B133,077$63K
2023$7.99B132,813$60K
2022$7.51B131,821$57K
2021$7.26B130,340$56K
2020$6.70B132,267$51K
2019$6.28B132,143$47K
2018$6.13B131,567$47K
2017$5.87B131,419$45K
2016$5.72B130,600$44K
2015$5.60B129,973$43K
2014$5.39B129,894$41K
2013$5.18B129,443$40K
2012$5.08B128,727$39K
2011$4.95B127,292$39K
2010$4.79B125,984$38K
2009$4.65B125,384$37K
2008$4.84B125,275$39K
2007$4.57B125,285$36K
2006$4.28B125,027$34K
2005$3.99B124,698$32K
2004$3.83B124,149$31K
2003$3.61B122,826$29K
2002$3.49B122,206$29K
2001$3.45B122,013$28K
2000$3.34B121,199$28K
1999$3.22B120,869$27K
1998$3.16B120,081$26K
1997$3.01B118,827$25K
1996$2.83B117,474$24K
1995$2.66B116,887$23K
1994$2.54B115,415$22K
1993$2.40B114,490$21K
1992$2.30B113,618$20K
1991——$19K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Wood County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-04-03$2K$2K$0Yes
2026-04-03$8K$8K$0No
2026-04-02$12K$12K$0Yes
2026-04-02$23K$23K$0Yes
2026-04-02$29K$27K$2KYes
2026-04-02$526.02$526.02$0Yes
2026-04-02$4K$4K$0Yes
2026-04-01$0——Yes
2025-04-03$16K$16K$0Yes
2021-09-22$5K$5K$0Yes
2020-05-20$2K$2K$0Yes
2019-06-02$1K$1K$0Yes
2017-07-13$0——Yes
2015-08-18$2K$2K$0Yes
2015-06-29$918.74$918.74$0Yes
2015-06-28$0——No
2015-06-28$2K$2K$0No
2015-06-28$3K$3K$0Yes
2015-06-28$3K$3K$0Yes
2015-06-28$4K$4K$0Yes
2015-06-27$0——Yes
2015-06-27$44K$29K$15KYes
2015-06-27$0——Yes
2015-06-27$5K$5K$0Yes
2015-06-27$1K$1K$0Yes
2015-06-27$14K$14K$0Yes
2015-06-27$44K$22K$22KYes
2015-06-27$436.04$436.04$0No
2015-06-27$16K$16K$0No
2015-06-27$2K$4K$0Yes
2015-06-27$34K$34K$0No
2015-06-27$9K$9K$0Yes
2015-06-27$0——Yes
2015-06-27$11K$11K$0Yes
2015-06-27$36K$35K$429.81Yes
2015-06-27$8K$8K$0Yes
2015-06-27$12K$12K$0Yes
2015-06-27$0——Yes
2015-06-26$0——Yes
2014-05-22$0——Yes
2013-12-23$3K$3K$0Yes
2013-12-23$3K$3K$0No
2013-12-23$357.82$357.82$0No
2013-12-23$1K$1K$0Yes
2013-12-22$6K$6K$0Yes
2013-12-22$9K$9K$0No
2013-12-22$2K$2K$0Yes
2013-12-22$37K$37K$0No
2013-12-22$9K$9K$0Yes
2013-12-22$0——Yes
2013-12-22$24K$15K$8KYes
2013-01-12$0——Yes
2009-03-12$4K$4K$0Yes
2009-03-11$5K$5K$0No
2009-03-11$34K$34K$0No
2009-03-11$4K$0$4KNo
2009-03-09$11K$11K$0No
2009-03-09$2K$2K$0Yes
2009-03-08$7K$1K$6KYes
2009-02-11$9K$5K$4KYes
2008-07-03$7K$7K$0Yes
2008-07-03$12K$10K$2KYes
2008-07-02$2K$2K$0Yes
2008-03-20$37K$37K$0No
2008-02-08$8K$8K$0No
2008-02-07$29K$29K$0Yes
2008-02-07$6K$6K$0No
2008-02-07$12K$12K$0Yes
2008-02-07$18K$9K$8KYes
2008-02-07$34K$28K$6KYes
2008-02-06$32K$32K$0No
2008-02-06$4K$0$4KNo
2008-02-06$6K$6K$77.5Yes
2008-02-06$14K$14K$0Yes
2008-02-06$35K$25K$10KYes
2008-02-06$15K$13K$1KNo
2008-02-05$16K$15K$991.84Yes
2008-02-05$12K$12K$0Yes
2008-01-17$0——Yes
2007-08-20$25K$25K$0Yes
2006-06-22$5K$5K$0No
2006-06-21$243.45$243.45$0Yes
2006-06-21$534.44$534.44$0Yes
2006-06-21$0——Yes
2006-06-21$5K$3K$2KYes
2006-06-21$0——No
2006-06-21$0——No
2006-06-21$0——No
2005-10-15$0——Yes
2005-02-11$211.39$211.39$0No
2005-01-15$39K$39K$0No
2005-01-14$55K$25K$0No
2005-01-14$0——No
2005-01-13$32K$26K$6KYes
2005-01-13$80K$80K$0Yes
2005-01-13$2K$2K$0No
2005-01-13$4K$4K$0No
2005-01-13$1K$1K$156Yes
2005-01-13$0——No
2005-01-13$8K$5K$3KNo

ALSO CHECKED

18 more data areas were checked for Wood County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the OH state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN WOOD COUNTY →Opens the loan explorer already filtered to county FIPS 39173.

See the Ohio state market profile for the statewide picture, the Ohio state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.