Gaining in Bloomington
In Bloomington, its largest market, its share rose to 2.7% from 1.9%. Indiana University Credit Union led. In Terre Haute its share rose to 0.5% from 0.2%.
Applications / Mortgage Analytics / Lenders / Indiana / Owen County State Bank
Owen County State Bank
Spencer, IN · State non-member bank · FDIC · $389 million assets · 151 loans in 2025
Owen County State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
151
loans originated, 2025
240
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Owen County State Bank, an Indiana community bank, ranks 10 of 229 lenders in Bloomington, IN, where its share rose to 2.7% in 2025.
A lender for manufactured homes
Manufactured homes made up 11.9% of its loans, against 2.8% at similar lenders (state non-member banks making between half and twice as many loans), higher than about four in five of them. Purchases were 60.3% of its loans and refinances 25.2%. All were conventional. Its typical loan, $175,000, matched that of similar lenders.
Back to growth
Its loans rose 20% to 151, against 10% at similar lenders and 10% for the whole market. That followed 158 loans in 2023 and 126 in 2024. In 2021 it made 227.
More lower-income borrowers
Borrowers with low or moderate incomes (LMI) took 34.6% of its loans, against 28.1% at similar lenders, higher than about seven in ten. It made no loans in majority-minority neighborhoods, against 5.1% at similar lenders; the Indiana counties it serves may have few such neighborhoods.
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
151 loans in 2025, against a peak of 227 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Owen County State Bank took 240 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 60.3% · Refinance 25.2% · Home improvement 11.9% · Other 2.6%
Conventional 100.0% · of 151 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
2 states, 6 metros, 22 counties
| State | Loans | Share |
|---|---|---|
| Indiana | 150 | 99.3% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Bloomington | 68 |
| Terre Haute | 11 |
| Indianapolis-Carmel-Greenwood | 6 |
| Louisville/Jefferson County | 2 |
| Cape Coral-Fort Myers | 1 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930004Z0FN1LYUET14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 38740 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313112 | 2004–2017 |
Established 1 January 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Owen County State Bank's data.
The data and the software behind these pages
Owen County State Bank's data
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