Mortgage lending in Bartholomew County
2,320 mortgages were originated in Bartholomew County, Indiana, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,320
- Median rate
- 6.500%
- Median lender fees
- $3,373
- Median loan amount
- $185,000
- Median spread over APOR
- 0.171
- Paid discount points
- 27.2%
- Received lender credits
- 17.5%
- Purchases / refinances
- 48.7% / 28.7%
- Conventional / FHA / VA
- 81.8% / 11.3% / 6.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Bartholomew County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Centra Credit Union | 512 | $2,577 | 6.000% |
| First Financial Bank | 228 | $3,149 | 6.250% |
| German American Bank | 142 | — | 6.875% |
| Jackson County Bank | 122 | $2,971 | 6.623% |
| Rocket Mortgage, LLC | 106 | $5,318 | 6.500% |
| GVC MORTGAGE, INC. | 86 | $4,069 | 6.875% |
| RUOFF MORTGAGE COMPANY, INC. | 84 | $3,099 | 6.625% |
| Fairway Independent Mortgage Corporation | 83 | $3,759 | 6.490% |
| Fifth Third Bank, National Association | 77 | — | 6.990% |
| CMG MORTGAGE, INC. | 63 | $6,608 | 6.813% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Bartholomew County — not a rule of thumb.
From 1,528 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers