Mortgage lending in Lake County
12,066 mortgages were originated in Lake 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
- 12,066
- Median rate
- 6.750%
- Median lender fees
- $4,472
- Median loan amount
- $185,000
- Median spread over APOR
- 0.501
- Paid discount points
- 37.2%
- Received lender credits
- 21.2%
- Purchases / refinances
- 50.5% / 30.4%
- Conventional / FHA / VA
- 77% / 17.4% / 5.6%
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 64.8% 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 Lake County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 748 | $5,299 | 6.625% |
| Centier Bank | 671 | $2,715 | 8.500% |
| GUARANTEED RATE, INC. | 470 | $4,399 | 6.550% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 416 | $7,146 | 6.375% |
| JPMorgan Chase Bank, National Association | 390 | $3,126 | 6.625% |
| TECH Credit Union | 377 | $3,698 | 7.240% |
| Fairway Independent Mortgage Corporation | 329 | $3,922 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 322 | $7,453 | 6.750% |
| Peoples Bank | 295 | $2,966 | 6.990% |
| First Financial Bank | 293 | $3,343 | 5.990% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Lake County — not a rule of thumb.
From 7,813 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