Mortgage lending in Clark County
4,081 mortgages were originated in Clark 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
- 4,081
- Median rate
- 6.625%
- Median lender fees
- $4,114
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
- $195,000
- Above the going rate (spread over APOR)
- 0.262
- Paid discount points
- 36.3%
- Received lender credits
- 25.4%
- Purchases / refinances
- 52.6% / 27.2%
- Conventional / FHA / VA
- 71.6% / 18.1% / 8.6%
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 70.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $427,000
- That home, 20% down
- $341,600
A median-priced home with 20% down leaves $491,150 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 Clark County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 351 | $4,400 | 6.625% |
| United Shore Financial Services, LLC | 289 | $4,943 | 6.499% |
| Centra Credit Union | 251 | $2,285 | 5.240% |
| Stock Yards Bank & Trust Company | 135 | $2,780 | 6.625% |
| Freedom Mortgage Corporation | 127 | $5,762 | 6.250% |
| PNC Bank, National Association | 127 | — | 7.685% |
| German American Bank | 126 | — | — |
| Republic Bank & Trust Company | 105 | $2,824 | 6.125% |
| Fifth Third Bank, National Association | 88 | — | 8.058% |
| L & N Federal Credit Union | 82 | — | 7.000% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Clark County — not a rule of thumb.
From 2,888 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