Mortgage lending in St. Joseph County
6,673 mortgages were originated in St. Joseph County, Indiana, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $145,000
- Above the going rate (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
- Median home price
- $195,000
- That home, 20% down
- $156,000
A median-priced home with 20% down leaves $676,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers