Mortgage lending in Vanderburgh County
4,421 mortgages were originated in Vanderburgh 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
- 4,421
- Median rate
- 6.750%
- Median lender fees
- $3,250
- Median loan amount
- $145,000
- Median spread over APOR
- 0.331
- Paid discount points
- 24%
- Received lender credits
- 19%
- Purchases / refinances
- 51.4% / 33.6%
- Conventional / FHA / VA
- 77.2% / 16.5% / 6.2%
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 68.2% 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 Vanderburgh County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Liberty | 851 | $2,529 | 6.880% |
| MORTGAGE MASTERS OF INDIANA, INC. | 450 | $3,863 | 6.500% |
| Fifth Third Bank, National Association | 304 | $2,339 | 7.750% |
| Old National Bank | 279 | $2,925 | 6.125% |
| Heritage Federal Credit Union | 241 | $2,066 | 7.000% |
| German American Bank | 170 | $2,780 | 6.875% |
| Rocket Mortgage, LLC | 156 | $4,943 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 133 | $5,087 | 6.454% |
| Luminate Bank | 87 | $5,922 | 6.750% |
| INDIANA MEMBERS CREDIT UNION | 86 | $2,480 | 6.125% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Vanderburgh County — not a rule of thumb.
From 3,016 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