Mortgage lending in Hamilton County
12,814 mortgages were originated in Hamilton 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
- 12,814
- Median rate
- 6.625%
- Median lender fees
- $3,677
- Median loan amount
- $295,000
- Median spread over APOR
- 0.183
- Paid discount points
- 33.2%
- Received lender credits
- 22.7%
- Purchases / refinances
- 50.9% / 29.6%
- Conventional / FHA / VA
- 88.9% / 6.9% / 4.2%
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 70.1% 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 Hamilton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 653 | $3,637 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 540 | $5,418 | 6.496% |
| The Huntington National Bank | 516 | $3,210 | 7.990% |
| LENNAR MORTGAGE, LLC | 469 | $3,949 | 5.250% |
| INDIANA MEMBERS CREDIT UNION | 437 | $550 | 5.875% |
| Fairway Independent Mortgage Corporation | 414 | $3,284 | 6.490% |
| FORUM | 354 | $1,571 | 7.500% |
| Fifth Third Bank, National Association | 346 | $3,154 | 7.620% |
| Elements Financial Federal Credit Union | 308 | $3,154 | 6.125% |
| JPMorgan Chase Bank, National Association | 293 | $3,128 | 6.500% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Hamilton County — not a rule of thumb.
From 8,977 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