Mortgage lending in Wells County
797 mortgages were originated in Wells 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
- 797
- Median rate
- 6.999%
- Median lender fees
- $3,200
- Median loan amount
- $145,000
- Median spread over APOR
- 0.426
- Paid discount points
- 26.1%
- Received lender credits
- 11%
- Purchases / refinances
- 46.2% / 28.1%
- Conventional / FHA / VA
- 82.3% / 10.5% / 5.6%
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 66.6% 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 Wells County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Three Rivers Federal Credit Union | 104 | $1,715 | 7.500% |
| RUOFF MORTGAGE COMPANY, INC. | 73 | $3,318 | 6.750% |
| PROFED CREDIT UNION | 66 | — | 7.490% |
| STOCKTON MORTGAGE CORPORATION | 63 | $3,650 | 6.875% |
| First Bank of Berne | 53 | — | — |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Wells County — not a rule of thumb.
From 531 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