Mortgage lending in Morgan County
2,461 mortgages were originated in Morgan 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
- 2,461
- Median rate
- 6.625%
- Median lender fees
- $5,151
- Median loan amount
- $215,000
- Median spread over APOR
- 0.393
- Paid discount points
- 41%
- Received lender credits
- 20.4%
- Purchases / refinances
- 50.5% / 33%
- Conventional / FHA / VA
- 68% / 21% / 9.1%
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 71.9% 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 Morgan County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GVC MORTGAGE, INC. | 134 | $5,281 | 6.750% |
| Rocket Mortgage, LLC | 130 | $5,148 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 121 | $8,935 | 5.999% |
| BMO Bank National Association | 96 | — | 8.880% |
| Fairway Independent Mortgage Corporation | 91 | $3,859 | 6.750% |
| Home Bank SB | 83 | — | — |
| INDIANA MEMBERS CREDIT UNION | 73 | — | 6.500% |
| Loandepot.Com, LLC | 61 | $6,844 | 6.990% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 60 | $7,850 | 5.490% |
| RUOFF MORTGAGE COMPANY, INC. | 59 | $3,505 | 6.750% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Morgan County — not a rule of thumb.
From 1,769 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