Mortgage lending in Johnson County
5,646 mortgages were originated in Johnson 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
- 5,646
- Median rate
- 6.625%
- Median lender fees
- $4,006
- Median loan amount
- $235,000
- Median spread over APOR
- 0.260
- Paid discount points
- 41.7%
- Received lender credits
- 21.8%
- Purchases / refinances
- 53.2% / 30.1%
- Conventional / FHA / VA
- 75.7% / 15.7% / 8.4%
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 75.2% 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 Johnson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LENNAR MORTGAGE, LLC | 281 | $3,904 | 4.990% |
| Rocket Mortgage, LLC | 276 | $3,939 | 6.875% |
| GVC MORTGAGE, INC. | 240 | $5,400 | 6.625% |
| INDIANA MEMBERS CREDIT UNION | 213 | — | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 211 | $7,468 | 6.125% |
| Fifth Third Bank, National Association | 204 | $2,821 | 7.500% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 203 | $8,213 | 5.750% |
| Fairway Independent Mortgage Corporation | 155 | $4,432 | 6.750% |
| The Huntington National Bank | 154 | $3,369 | 7.890% |
| Union Savings Bank | 124 | $1,790 | 6.750% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Johnson County — not a rule of thumb.
From 4,244 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