Owen County State Bank
Owen County State Bank received 240 applications in 2025 and made 151 mortgages, in 24 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 239 decisions, 47 were denials — 19.7%.
| Legal Entity Identifier | 54930004Z0FN1LYUET14 |
|---|---|
| Applications received | 240 |
| Mortgages made | 151 |
| Denied | 47 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Owen County State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 91 | Not published | $195,000 | 18.9% |
| Refinancing | 16 | Not published | $190,000 | 13.6% |
| Cash-out refinancing | 22 | Not published | $175,000 | 22.9% |
| Other purposes | 22 | Not published | $65,000 | 23.5% |
Where Owen County State Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greene County, IN | 45 | Not published | 18.8% |
| Owen County, IN | 39 | Not published | 22.5% |
| Monroe County, IN | 29 | Not published | 10.8% |
| Sullivan County, IN | 7 | Under 10 loans | 12.5% |
| Lawrence County, IN | 5 | Under 10 loans | 42.9% |
| Knox County, IN | 4 | Under 10 loans | 44.4% |
| Jackson County, IN | 3 | Under 10 loans | 0.0% |
| Clay County, IN | 2 | Under 10 loans | 0.0% |
| Floyd County, IN | 2 | Under 10 loans | 0.0% |
| Marion County, IN | 2 | Under 10 loans | 0.0% |
| Morgan County, IN | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Brown County, IN | 1 | Under 10 loans | 0.0% |
| Daviess County, IN | 1 | Under 10 loans | 33.3% |
| Jennings County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, IN | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Martin County, IN | 1 | Under 10 loans | 0.0% |
| Putnam County, IN | 1 | Under 10 loans | 0.0% |
| Vermillion County, IN | 1 | Under 10 loans | 0.0% |
| Vigo County, IN | 1 | Under 10 loans | 0.0% |
| Orange County, IN | 0 | Under 10 loans | 100.0% |
| Pike County, IN | 0 | Under 10 loans | 100.0% |
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When Owen County State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.