Purchase Originations
294
Median Total Costs
$3,380
−49.4% vs national ($6,680)
↑ $350 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,075
Median Lender Credits
$22
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 291 | 6.250% | $3,375 | $1,075 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 294 | 6.250% | $3,380 | #60 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,799 | 6.625% | — | 37 | −$581 | |
| 2 | $2,926 | 6.500% | — | 22 | −$454 | |
| 3 | $2,971 | 6.500% | — | 43 | −$409 | |
| 4 | $3,039 | 6.375% | — | 33 | −$341 | |
| 5 | $3,047 | 6.500% | — | 3 | −$333 | |
| 6 | $3,106 | 6.500% | — | 21 | −$274 | |
| 7 | $3,192 | 6.125% | — | 3 | −$188 | |
| 8 | $3,287 | 6.188% | — | 14 | −$93 | |
| 9 | $3,416 | 6.125% | — | 3 | +$36 | |
| 10 | $3,936 | 6.188% | — | 2 | +$556 | |
| 11 | $4,106 | 6.125% | — | 35 | +$726 | |
| 12 | $4,951 | 6.125% | — | 13 | +$1,571 | |
| 13 | $5,288 | 6.375% | — | 4 | +$1,908 | |
| 14 | $5,569 | 6.000% | — | 3 | +$2,189 | |
| 15 | $5,848 | 6.250% | — | 3 | +$2,468 | |
| 16 | $6,051 | 6.000% | — | 14 | +$2,671 | |
| 17 | $6,068 | 6.062% | — | 6 | +$2,688 | |
| 18 | $6,582 | 6.000% | — | 11 | +$3,202 | |
| 19 | $6,711 | 5.500% | — | 2 | +$3,331 | |
| 20 | $7,351 | 6.250% | — | 7 | +$3,971 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Jackson County Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $3,380 | $7,127 | −$3,747 (−52.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.