Mortgage lending in Muncie, IN

2,659 mortgages were originated in the Muncie, IN area in 2025, and here is what they cost.

Loans originated

2,659

Median rate

6.875%

Median lender fees

$3,189

Median loan amount

$115,000

Median spread over APOR

0.516

Paid discount points

32%

Received lender credits

15.4%

Purchases / refinances

48.3% / 31.6%

Conventional / FHA / VA

77.8% / 15.1% / 6.5%

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 69.8% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Muncie, IN area, ranked by volume.