Mortgage lending in Dearborn County
1,477 mortgages were originated in Dearborn 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
- 1,477
- Median rate
- 6.875%
- Median lender fees
- $3,962
- Median loan amount
- $185,000
- Median spread over APOR
- 0.398
- Paid discount points
- 33%
- Received lender credits
- 21.1%
- Purchases / refinances
- 40.8% / 33.4%
- Conventional / FHA / VA
- 79% / 13.9% / 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 64.9% 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 Dearborn County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Civista Bank | 191 | $2,819 | 7.500% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 125 | $6,060 | 6.990% |
| First Financial Bank | 115 | $3,196 | 5.990% |
| Fifth Third Bank, National Association | 99 | — | 7.750% |
| UNION HOME MORTGAGE CORP. | 71 | $5,236 | 6.625% |
| Rocket Mortgage, LLC | 69 | $4,277 | 6.881% |
| U.S. Bank National Association | 57 | — | 7.375% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Dearborn County — not a rule of thumb.
From 958 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