Mortgage lending in Madison County
3,599 mortgages were originated in Madison 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
- 3,599
- Median rate
- 6.795%
- Median lender fees
- $4,099
- Median loan amount
- $135,000
- Median spread over APOR
- 0.467
- Paid discount points
- 39.4%
- Received lender credits
- 19.7%
- Purchases / refinances
- 47% / 32%
- Conventional / FHA / VA
- 71.3% / 20% / 7.4%
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 69.2% 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 Madison County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Merchants Bank | 235 | $2,841 | 6.875% |
| PNC Bank, National Association | 226 | $4,218 | 7.550% |
| Rocket Mortgage, LLC | 215 | $5,121 | 6.750% |
| RUOFF MORTGAGE COMPANY, INC. | 184 | $3,074 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 115 | $6,231 | 6.250% |
| GVC MORTGAGE, INC. | 109 | $4,733 | 6.875% |
| Fairway Independent Mortgage Corporation | 106 | $3,783 | 6.875% |
| STAR Financial Bank | 104 | — | 6.688% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 90 | $8,851 | 5.490% |
| CALCON MUTUAL MORTGAGE LLC | 82 | $5,833 | 6.625% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Madison County — not a rule of thumb.
From 2,492 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