Owen County State Bank: 2025 mortgage rates, costs & approvals
How Owen County State Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Owen County State Bank · LEI 54930004Z0FN1LYUET14
In 2025, Owen County State Bank originated 64 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 2004th by volume among the 2,017 lenders profiled here.
It denied 21.7% of completed home-purchase applications (all lenders: 8.5%).
How Owen County State Bank priced home-purchase loans
| Purchase loans, 2025 | Owen County State Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Owen County State Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Indiana | 64 | 113 | 21.7% | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Owen County State Bank's page for that state.
Counties where Owen County State Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Owen County, IN | 3 | 18 | 6.4% |
| Greene County, IN | 4 | 24 | 5.2% |
| Sullivan County, IN | 11 | 4 | 1.8% |
| Monroe County, IN | 24 | 11 | 0.7% |
Check Owen County State Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930004Z0FN1LYUET14.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Owen County State Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology