Mortgage lending in Monroe County
2,741 mortgages were originated in Monroe 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
- 2,741
- Median rate
- 6.700%
- Median lender fees
- $3,135
- Median loan amount
- $205,000
- Median spread over APOR
- 0.260
- Paid discount points
- 25.6%
- Received lender credits
- 22.4%
- Purchases / refinances
- 48.7% / 36.7%
- Conventional / FHA / VA
- 85.8% / 7.9% / 5.8%
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 66.5% 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 Monroe County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| INDIANA UNIVERSITY CREDIT UNION | 603 | $1,813 | 6.875% |
| RUOFF MORTGAGE COMPANY, INC. | 248 | $3,221 | 6.625% |
| CMG MORTGAGE, INC. | 154 | $3,419 | 6.875% |
| Old National Bank | 113 | — | 6.000% |
| Rocket Mortgage, LLC | 112 | $4,837 | 6.500% |
| The Peoples State Bank | 89 | — | — |
| German American Bank | 87 | — | — |
| Fifth Third Bank, National Association | 72 | — | 7.995% |
| JPMorgan Chase Bank, National Association | 63 | $3,314 | 6.490% |
| Jackson County Bank | 55 | — | 6.490% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Monroe County — not a rule of thumb.
From 1,824 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