Mortgage lending in Bloomington, IN
3,253 mortgages were originated in the Bloomington, IN area in 2025, and here is what they cost.
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
- 3,253
- Median rate
- 6.750%
- Median lender fees
- $3,262
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
- $195,000
- Above the going rate (spread over APOR)
- 0.276
- Paid discount points
- 26.7%
- Received lender credits
- 22.1%
- Purchases / refinances
- 48.1% / 36.8%
- Conventional / FHA / VA
- 83.7% / 9.3% / 6.6%
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.
Who lent here
Lenders with at least 50 loans in the Bloomington, IN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Indiana University Credit Union | 628 | $1,799 | 6.875% |
| Ruoff Mortgage Company, Inc. | 284 | $3,270 | 6.625% |
| CMG Mortgage, Inc. | 160 | $3,424 | 6.875% |
| Rocket Mortgage, LLC | 146 | $5,321 | 6.500% |
| Old National Bank | 122 | — | 6.000% |
| The Peoples State Bank | 106 | — | — |
| German American Bank | 95 | — | — |
| Fifth Third Bank, National Association | 78 | — | 8.000% |
| Owen County State Bank | 68 | — | — |
| JPMorgan Chase Bank, National Association | 65 | $3,314 | 6.490% |