Mortgage lending in Elkhart-Goshen, IN
4,829 mortgages were originated in the Elkhart-Goshen, IN area in 2025, and here is what they cost.
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
- 4,829
- Median rate
- 7.000%
- Median lender fees
- $3,962
- Median loan amount
- $155,000
- Median spread over APOR
- 0.450
- Paid discount points
- 30.2%
- Received lender credits
- 18.6%
- Purchases / refinances
- 47.7% / 29.3%
- Conventional / FHA / VA
- 83.4% / 12.4% / 4%
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 58.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Elkhart-Goshen, IN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| INTERRA CREDIT UNION | 572 | $2,389 | 7.500% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 335 | $5,091 | 6.990% |
| Lake City Bank | 319 | — | 7.750% |
| RUOFF MORTGAGE COMPANY, INC. | 292 | $4,039 | 6.875% |
| Rocket Mortgage, LLC | 245 | $5,356 | 6.750% |
| EVERWISE CREDIT UNION | 208 | $3,193 | 7.500% |
| 1st Source Bank | 193 | $2,597 | 7.500% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 170 | $4,126 | 6.875% |
| First Federal Savings Bank | 165 | $3,487 | 7.125% |
| INOVA | 143 | $1,993 | 2.990% |