Applications / Mortgage Analytics / Lenders / Indiana / Jackson County Bank
Seymour, IN · State non-member bank · FDIC · $1.1 billion assets · 685 loans in 2025
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685
loans originated, 2025
900
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jackson County Bank is an Indiana bank that ranked 4 of 174 lenders in Columbus, IN, and whose originations rose 12% in 2025, close to similar lenders.
Originations rose 12% to 685, against 9% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. That remains below the 1,061 loans of 2020. Dollar volume fell from $204.4 million to $186.6 million.
Jumbo loans (larger than the conforming limit) were 7.8% of its loans, against 1.9% at similar lenders, higher than at about nine in ten of them, and up from 1.3% five years before. Home purchases were 52.4% of its lending. Its typical rate, 6.49%, was lower than at three in four peers, and 0.0% of its loans were higher-priced (a rate well above the average for similar loans).
Its share fell 0.2 points to 5.3% in Columbus, IN, and 4.9 points to 1.4% in Bloomington, IN, where it ranked 16 of 229. The fact pack does not show why; its lower dollar volume overall is one possibility, and stronger lending by competitors there another.
LMI (low- and moderate-income) borrowers took 28.9% of its loans, against 26.4% at peers. LMI areas took 9.1%, against 15.4%, lower than at nearly nine in ten peers, and majority-minority areas 2.3%, against 8.6%. All its lending is in Indiana, so the make-up of the 36 counties it serves is a possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jackson County Bank took 900 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Other 22.2% · Refinance 20.0% · Home improvement 5.4%
Conventional 99.6% · USDA (RHS or FSA) 0.4% · of 685 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 685 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 181 |
| Columbus | 122 |
| Bloomington | 56 |
| Louisville/Jefferson County | 7 |
| Cincinnati | 3 |
| Lafayette-West Lafayette | 3 |
| Terre Haute | 2 |
| Fort Wayne | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HIDQ8IRRU12455 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 884442 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313109 | 1994–2017 |
Established 1 January 1900. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Jackson County Bank's data.
Jackson County Bank's data
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Jackson County Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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