# Jackson County Bank

> **Canonical URL:** https://saferate.com/lenders/jackson-county-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Jackson County Bank is a bank, headquartered in Seymour, IN, with 272 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300HIDQ8IRRU12455
- **Headquarters:** Seymour, IN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.082%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $954
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 272
- **Dollar Volume:** $97 million
- **Applications Received:** 369
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $358,272
- **Average Borrower Income:** $159,599
- **Average Property Value:** $474,963

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 252 | +0.075% | $956 | Strong 😀 |
| Jumbo | 68/100 | 18 | +0.109% | $882 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 224 loans, Score: 64/100 (Strong)
- Refinance: 28 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 244 | $91M | +0.107% | Strong 😀 |
| Refinance | 52/100 | 28 | $6M | -0.089% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 272 | 0.30% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 114 | 59/100 |
| Indianapolis | IN | 80 | 69/100 |
| Columbus, IN | IN | 55 | 80/100 |
| Bloomington, IN | IN | 16 | 52/100 |

## Where This Lender Ranks

Jackson County Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Columbus, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Columbus, IN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Columbus, IN Banks
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/banks)
- 🏆 **#4** in Columbus, IN
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders)
- 🏆 **#4** in Bloomington, IN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Indiana for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Indianapolis for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Bloomington, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Indianapolis for Jumbo Loans
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Indianapolis for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Indiana for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Indiana for Jumbo Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Indianapolis Banks
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/banks)
- 🏆 **#19** in Indiana Banks
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks)
- 🏆 **#19** in Indianapolis for Conventional Loans
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Jackson County Bank offer?

Jackson County Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Jackson County Bank offer mortgages?

Jackson County Bank offers mortgages in 1 states: IN.

### How competitive are Jackson County Bank's mortgage rates?

Jackson County Bank has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.082% above market average.

### What type of lender is Jackson County Bank?

Jackson County Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Seymour, IN.

### What is Jackson County Bank's loan approval success rate?

Jackson County Bank has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/jackson-county-bank

### How to Cite

> "Jackson County Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jackson-county-bank

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