Largest lenders in Owen County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Owen County State Bank | C | 71 | 39 | 22.5% | — |
| 2 | Ruoff Mortgage Company | A | 60 | 36 | 10.0% | 6.75% |
| 3 | Rocket Mortgage | C | 49 | 34 | 22.5% | 6.63% |
| 4 | Indiana University Credit Union | C | 43 | 25 | 18.6% | 6.90% |
| 5 | Mortgage Research Center | C | 30 | 19 | 16.7% | 6.25% |
| 6 | Crane | C | 28 | 16 | 25.0% | 6.91% |
| 7 | United Shore Financial Services | B | 24 | 15 | 8.3% | 6.00% |
| 8 | Freedom Mortgage | B | 22 | 8 | 0.0% | 6.25% |
| 9 | The Peoples State Bank | B | 20 | 17 | 5.0% | — |
| 10 | Loandepot.Com | D | 19 | 11 | 15.8% | 6.99% |
| 11 | Pennymac Loan Services | C | 18 | 12 | 11.1% | 6.00% |
| 12 | AmeriSave Mortgage | D | 17 | 4 | 58.8% | 6.93% |
| 13 | First Financial Bank | C | 17 | 8 | 41.2% | 6.25% |
| 14 | First National Bank | – | 17 | 12 | 5.9% | — |
| 15 | Old National Bank | B | 16 | 9 | 31.3% | 5.85% |
| 16 | Gvc Mortgage | B | 14 | 12 | 0.0% | 6.81% |
| 17 | German American Bank | A | 14 | 8 | 35.7% | 6.92% |
| 18 | Fifth Third Bank | D | 13 | 6 | 53.9% | 10.63% |
| 19 | Fairway Independent Mortgage | B | 13 | 12 | 7.7% | 6.88% |
| 20 | CMG Mortgage | A | 13 | 6 | 15.4% | 7.38% |
| 21 | Regions Bank | C | 11 | 4 | 63.6% | 6.69% |
| 22 | Baxter Credit Union | B | 11 | 9 | 9.1% | 8.38% |
| 23 | Farmers and Mechanics Federal Savings Bank | C | 10 | 5 | 20.0% | — |
| 24 | Nationstar Mortgage | C | 10 | 7 | 30.0% | 8.63% |
| 25 | Newrez | D | 10 | 5 | 20.0% | 6.50% |
Best approval odds in Owen County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Ruoff Mortgage Company | 51 | 11.8% |
| 2 | Owen County State Bank | 71 | 22.5% |
What Owen County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Owen County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 787 | 470 | 19.3% | 6.99% | $145,000 |
| 2024 | 794 | 490 | 17.3% | 6.88% | $155,000 |
| 2025 | 896 | 511 | 19.8% | 6.75% | $155,000 |
Frequently asked questions
19.8% of applications in Owen County were denied in 2025, against 16.6% statewide in Indiana.
Owen County State Bank, with 71 applications in 2025 and a denial rate of 22.5%.
The median mortgage application in Owen County in 2025 was for $155,000; the median property value on originated loans was $265,000.