Owen County State Bank in Indiana vs the state
19.7%Denial rate+3.10 pts vs state
19.8%Decision denial rate-0.39 pts vs state
62.8%Origination rate+0.51 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
150Loans originated
47Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 231 | 156 | 12.6% | — | #160 |
| 2024 | 208 | 125 | 17.8% | — | #187 |
| 2025 | 239 | 150 | 19.7% | — | #178 |
What Owen County State Bank lends in Indiana
By loan purpose
By loan type
Where in Indiana
Counties with the most Owen County State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Owen County | 71 | 39 | 16 | 22.5% |
| Greene County | 69 | 45 | 13 | 18.8% |
| Monroe County | 38 | 29 | 4 | 10.5% |
| Lawrence County | 14 | 5 | 6 | 42.9% |
| Knox County | 9 | 4 | 4 | 44.4% |
| Sullivan County | 8 | 7 | 1 | 12.5% |
| Daviess County | 3 | 1 | 1 | 33.3% |
| Clay County | 3 | 2 | 0 | 0.0% |
| Jackson County | 3 | 3 | 0 | 0.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 239 applications in 2025, of which 150 were originated and 47 denied.
19.7% of all applications, or 19.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Owen County State Bank's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology