Mortgage lending in Howard County
2,430 mortgages were originated in Howard 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
- 2,430
- Median rate
- 6.875%
- Median lender fees
- $3,526
- Median loan amount
- $135,000
- Median spread over APOR
- 0.471
- Paid discount points
- 37.8%
- Received lender credits
- 21.8%
- Purchases / refinances
- 54% / 27.3%
- Conventional / FHA / VA
- 71.4% / 19.6% / 8.5%
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 73.7% 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 Howard County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Farmers Bank & Trust Co. | 169 | $2,375 | 7.125% |
| RUOFF MORTGAGE COMPANY, INC. | 166 | $3,189 | 6.875% |
| SOLIDARITY COMMUNITY Federal Credit Union | 149 | — | 7.500% |
| Rocket Mortgage, LLC | 137 | $5,075 | 6.875% |
| PLAZA HOME MORTGAGE, INC. | 123 | $4,511 | 6.500% |
| GVC MORTGAGE, INC. | 113 | $5,162 | 6.750% |
| Community First Bank of Indiana | 85 | $2,304 | 6.875% |
| MJW FINANCIAL LLC | 80 | $3,576 | 6.750% |
| FINANCIAL BUILDERS Federal Credit Union | 71 | $412 | 7.750% |
| Luminate Bank | 63 | $3,992 | 6.995% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Howard County — not a rule of thumb.
From 1,791 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