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Jackson County Bank
Bank|Seymour, IN|Single State
Loans Originated
272
Applications
369
Volume
$97 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.082%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$954
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Report Card
Jackson County Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Single State · 4 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$358,272
Average Borrower Income
$159,599
Average Property Value
$474,963
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 252 | 92.6% | +0.075% | $956 |
Jumbo Loans | Strong | Strong | N/A | Strong | 18 | 6.6% | +0.109% | $882 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 244 | 89.7% | +0.107% | $955 |
Refinance | Strong | Sound | Exceptional | Strong | 28 | 10.3% | -0.089% | $952 |
Geographic Coverage
Metro Areas
3
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
IN
Top Metro Areas by Place Specialization Score
1
Columbus, IN, INMSA
Volume: 55Mix: 20.22%
Place Specialization
Exceptional
2
Indianapolis, INMSA
Volume: 80Mix: 29.41%
Place Specialization
Strong
3
Bloomington, IN, INMSA
Volume: 16Mix: 5.88%
Place Specialization
Sound
Top States by Place Specialization Score
1
INState
Volume: 272Mix: 100.00%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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