Mortgage lending in Boone County
2,802 mortgages were originated in Boone County, Indiana, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,802
- Median rate
- 6.500%
- Median lender fees
- $3,754
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $295,000
- Above the going rate (spread over APOR)
- 0.172
- Paid discount points
- 35.4%
- Received lender credits
- 23.1%
- Purchases / refinances
- 55.6% / 28.6%
- Conventional / FHA / VA
- 84.1% / 10.9% / 4.7%
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 70.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $455,000
- That home, 20% down
- $364,000
A median-priced home with 20% down leaves $468,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Boone County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Pulte Mortgage LLC | 169 | $1,023 | 5.500% |
| Rocket Mortgage, LLC | 117 | $4,331 | 6.625% |
| The Huntington National Bank | 109 | — | 7.890% |
| United Shore Financial Services, LLC | 108 | $6,937 | 6.124% |
| NVR Mortgage Finance, Inc. | 107 | $5,114 | 6.250% |
| PNC Bank, National Association | 84 | — | 7.815% |
| DHI Mortgage Company, Ltd. | 81 | $5,126 | 5.125% |
| Indiana Members Credit Union | 79 | — | 5.875% |
| Lennar Mortgage, LLC | 75 | $3,874 | 4.500% |
| Gvc Mortgage, Inc. | 72 | $3,888 | 6.688% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Boone County — not a rule of thumb.
From 1,979 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers