Owen County State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
20th19.7% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 234 | 158 | 12.4% | 12.5% | — | $32M |
| 2024 | 209 | 126 | 17.7% | 17.8% | — | $29M |
| 2025 | 240 | 151 | 19.6% | 19.7% | — | $43M |
What Owen County State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 50 manufactured homes, 54 investment properties.
Who gets approved at Owen County State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 49 | 15 | 46.9% |
| $50k – $100k | 73 | 45 | 20.8% |
| $100k – $150k | 46 | 28 | 15.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 13 | 20.8% |
| 25–34 | 48 | 30 | 20.8% |
| 35–44 | 34 | 18 | 20.6% |
| 45–54 | 31 | 9 | 53.3% |
| 55–64 | 33 | 23 | 15.2% |
Where Owen County State Bank lends
2 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 239 | 150 | 19.7% | — | #178 |
Frequently asked questions
Owen County State Bank denied 19.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 24% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 95% conventional, 5% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.