Mortgage lending in Floyd County
2,456 mortgages were originated in Floyd 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
- 2,456
- Median rate
- 6.625%
- Median lender fees
- $3,803
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
- $185,000
- Above the going rate (spread over APOR)
- 0.248
- Paid discount points
- 33.8%
- Received lender credits
- 22.3%
- Purchases / refinances
- 48.2% / 29.2%
- Conventional / FHA / VA
- 77.4% / 13.9% / 8.2%
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 67.9% 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 Floyd County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 184 | $4,131 | 6.625% |
| United Shore Financial Services, LLC | 173 | $5,017 | 6.499% |
| Centra Credit Union | 117 | $1,981 | 5.750% |
| First Harrison Bank | 90 | — | 5.750% |
| Republic Bank & Trust Company | 89 | $2,764 | 5.990% |
| PNC Bank, National Association | 84 | — | 7.580% |
| German American Bank | 75 | — | — |
| Stock Yards Bank & Trust Company | 74 | — | 6.500% |
| Freedom Mortgage Corporation | 71 | $5,745 | 6.250% |
| Fifth Third Bank, National Association | 52 | — | 7.870% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Floyd County — not a rule of thumb.
From 1,667 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