THE FRIENDSHIP STATE BANK
THE FRIENDSHIP STATE BANK received 282 applications in 2025 and made 210 mortgages, in 18 counties across 4 states. The median rate its borrowers got was 6.750% on a median loan of $135,000. Of 278 decisions, 40 were denials — 14.4%, most often for credit history.
| Legal Entity Identifier | 254900803AYZRNV49618 |
|---|---|
| Applications received | 282 |
| Mortgages made | 210 |
| Denied | 40 |
| Approved, not taken up | 28 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.418 points |
| FDIC-insured bank | Yes: The Friendship State Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 91 | 6.750% | $225,000 | 10.3% |
| Refinancing | 69 | 6.750% | $115,000 | 16.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 48 | 8.000% | $55,000 | 16.9% |
Where THE FRIENDSHIP STATE BANK lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ripley County, IN | 56 | 6.750% | 18.1% |
| Switzerland County, IN | 46 | 6.750% | 5.4% |
| Dearborn County, IN | 42 | 6.750% | 15.3% |
| Jefferson County, IN | 19 | 7.000% | 25.0% |
| Ohio County, IN | 19 | 7.500% | 0.0% |
| Franklin County, IN | 6 | Under 10 loans | 22.2% |
| Decatur County, IN | 5 | Under 10 loans | 14.3% |
| Trimble County, KY | 5 | Under 10 loans | 0.0% |
| Jennings County, IN | 3 | Under 10 loans | 0.0% |
| Hamilton County, OH | 3 | Under 10 loans | 25.0% |
| Clark County, IN | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Rush County, IN | 1 | Under 10 loans | 0.0% |
| Scott County, IN | 1 | Under 10 loans | 50.0% |
| Carroll County, KY | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 0 | Under 10 loans | 100.0% |
| Sandusky County, OH | 0 | Under 10 loans | 100.0% |
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When THE FRIENDSHIP STATE BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.