Mortgage lending in Delaware County
2,659 mortgages were originated in Delaware 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
- 2,659
- Median rate
- 6.875%
- Median lender fees
- $3,189
- Median loan amount
- $115,000
- Median spread over APOR
- 0.516
- Paid discount points
- 32%
- Received lender credits
- 15.4%
- Purchases / refinances
- 48.3% / 31.6%
- Conventional / FHA / VA
- 77.8% / 15.1% / 6.5%
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 69.8% 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 Delaware County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Merchants Bank | 286 | $2,666 | 7.000% |
| RUOFF MORTGAGE COMPANY, INC. | 229 | $3,040 | 6.875% |
| Rocket Mortgage, LLC | 141 | $4,753 | 6.990% |
| Northwest Bank | 124 | $600 | 6.000% |
| Old National Bank | 89 | — | 6.375% |
| UNION HOME MORTGAGE CORP. | 82 | $4,139 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 79 | $5,846 | 6.625% |
| STAR Financial Bank | 75 | — | 5.490% |
| GVC MORTGAGE, INC. | 74 | $4,830 | 6.875% |
| NEWREZ LLC | 66 | $2,576 | 6.625% |
What lenders charged here
Lender fees on a $115,000 loan, based on what was actually charged in Delaware County — not a rule of thumb.
From 1,856 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