Mortgage lending in St. Joseph County
6,673 mortgages were originated in St. Joseph 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
- 6,673
- Median rate
- 7.000%
- Median lender fees
- $3,693
- Median loan amount
- $145,000
- Median spread over APOR
- 0.422
- Paid discount points
- 29.3%
- Received lender credits
- 23.6%
- Purchases / refinances
- 45.2% / 32%
- Conventional / FHA / VA
- 82.7% / 12.3% / 5%
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 62.2% 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 St. Joseph County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 831 | $3,600 | 7.500% |
| EVERWISE CREDIT UNION | 663 | $2,874 | 7.500% |
| 1st Source Bank | 585 | $2,656 | 7.500% |
| RUOFF MORTGAGE COMPANY, INC. | 428 | $3,370 | 6.875% |
| Rocket Mortgage, LLC | 391 | $5,033 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 236 | $5,988 | 6.499% |
| First Federal Savings Bank | 196 | $3,194 | 7.000% |
| CROSSCOUNTRY MORTGAGE, INC. | 193 | $4,460 | 6.575% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 191 | $5,194 | 7.125% |
| UNITED FEDERAL CREDIT UNION | 141 | $2,904 | 7.025% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in St. Joseph County — not a rule of thumb.
From 4,153 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