Mortgage lending in Kosciusko County
2,357 mortgages were originated in Kosciusko 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
- 2,357
- Median rate
- 7.000%
- Median lender fees
- $3,468
- Median loan amount
- $155,000
- Median spread over APOR
- 0.432
- Paid discount points
- 27.6%
- Received lender credits
- 16%
- Purchases / refinances
- 43.6% / 32.4%
- Conventional / FHA / VA
- 85.7% / 9.9% / 3.4%
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 59.9% 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 Kosciusko County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Lake City Bank | 434 | — | 7.750% |
| RUOFF MORTGAGE COMPANY, INC. | 213 | $3,665 | 6.875% |
| First Federal Savings Bank | 168 | $2,944 | 7.000% |
| EVERWISE CREDIT UNION | 109 | $3,088 | 7.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 84 | $5,061 | 6.125% |
| INTERRA CREDIT UNION | 82 | — | 7.500% |
| Rocket Mortgage, LLC | 78 | $3,575 | 7.125% |
| Northwest Bank | 73 | — | 6.250% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 60 | $4,510 | 6.990% |
| 1st Source Bank | 59 | — | 7.500% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Kosciusko County — not a rule of thumb.
From 1,413 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