Mortgage lending in Indianapolis-Carmel-Greenwood, IN
61,100 mortgages were originated in the Indianapolis-Carmel-Greenwood, 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
- 61,100
- Median rate
- 6.625%
- Median lender fees
- $3,901
- Median loan amount
- $215,000
- Median spread over APOR
- 0.287
- Paid discount points
- 37.9%
- Received lender credits
- 22.1%
- Purchases / refinances
- 52.2% / 30%
- Conventional / FHA / VA
- 78.9% / 14.5% / 6.4%
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 71.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Indianapolis-Carmel-Greenwood, IN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 3,400 | $4,587 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,930 | $6,756 | 6.375% |
| INDIANA MEMBERS CREDIT UNION | 1,989 | — | 6.375% |
| The Huntington National Bank | 1,904 | $3,245 | 7.910% |
| Fairway Independent Mortgage Corporation | 1,835 | $3,730 | 6.625% |
| GVC MORTGAGE, INC. | 1,712 | $4,416 | 6.625% |
| LENNAR MORTGAGE, LLC | 1,588 | $3,947 | 4.990% |
| Fifth Third Bank, National Association | 1,561 | $2,985 | 7.750% |
| PNC Bank, National Association | 1,452 | $3,088 | 7.800% |
| RUOFF MORTGAGE COMPANY, INC. | 1,413 | $3,441 | 6.750% |