What people paid for mortgages in Allen County, IN (2025)

Across 4,804 closed home-purchase loans in 2025, the median interest rate in Allen was 6.625%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,280 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $3,280
Median loan amount: $225,000

4,804 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.875%
Median total loan costs: $4,273
Median loan amount: $185,000

2,196 loans, 2025.

Lowest median rates in Allen (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.DHI Mortgage Company, LTD.builder lender5.5%209 loans, median costs $5,714
2.PARTNERS 1ST FEDERAL CREDIT UNION6%45 loans, median costs $2,744
3.Navy Federal Credit Union6.125%33 loans, median costs $2,079
4.LOWER, LLC6.188%56 loans, median costs $6,529
5.Mortgage Research Center6.25%79 loans, median costs $5,684

Among lenders with at least 30 closed purchase loans in Allen County in 2025.

Refinance

1.United Wholesale Mortgagebroker only5.75%98 loans, median costs $9,030
2.PARTNERS 1ST FEDERAL CREDIT UNION5.75%37 loans, median costs $2,759
3.Mortgage Research Center5.75%31 loans, median costs $3,787
4.Union Savings Bank5.875%87 loans, median costs $1,070
5.GOODLEAP, LLC5.875%30 loans, median costs $9,821

Among lenders with at least 30 closed refinance loans in Allen County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Allen

Every lender that closed at least 5 qualifying loans in Allen County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Ruoff Mortgage Company	716	6.75%	$3,452	$1,585	$822
2	THREE RIVERS FEDERAL CREDIIT U	658	6.625%	$2,817	$1,154	$363
3	DHI Mortgage Company, LTD.builder lender	209	5.5%	$5,714	$0	$4,197
4	FIRST MERCHANTS BANK	209	6.375%	$2,891	$1,300	$393
5	FAIRWAY INDEPENDENT MORT CORP	206	6.75%	$4,702	$2,047	$2,328
6	GVC MORTGAGE, INC.	189	6.75%	$5,761	$2,826	$1,208
7	Fifth Third Bank, National Association	142	6.625%	$3,057	$1,295	$470
8	Union Savings Bank	128	6.625%	$1,983	$500	$352
9	JPMorgan Chase Bank, NA	106	6.375%	$2,832	$1,176	$739
10	STOCKTON MORTGAGE CORPORATION	101	6.875%	$3,758	$1,679	$406
11	PROFED FEDERAL CREDIT UNION	100	6.375%	$2,577	$950	n/a
12	V.I.P. MORTGAGE, INC.	100	6.5%	$4,468	$1,911	$1,785
13	ROCKET MORTGAGE	98	6.625%	$5,875	$3,591	$2,940
14	United Wholesale Mortgagebroker only	85	6.598%	$3,937	$1,565	$1,127
15	Geneva Financial LLC	81	6.625%	$4,037	$1,750	$700
16	EVERWISE CREDIT UNION	80	6.375%	$3,042	$1,130	$389
17	Mortgage Research Center	79	6.25%	$5,684	$867	$1,002
18	DIAMOND RESIDENTIAL MTG CORP	70	6.75%	$5,359	$2,451	$1,293
19	Flagstar Bank NA	64	6.375%	$3,849	$2,236	$1,662
20	NATIONS LENDING CORPORATION	60	6.688%	$5,193	$3,208	$2,570
21	Old National Bank	59	6.375%	$2,623	$975	$200
22	LOWER, LLC	56	6.188%	$6,529	$1,250	$482
23	PNC BANK N.A.	52	6.5%	$2,891	$1,409	$696
24	Zippy Loans, LLC	49	8%	$1,703	$1,380	n/a
25	PARTNERS 1ST FEDERAL CREDIT UNION	45	6%	$2,744	$950	$1,525
26	MidWest America Federal Credit Union	41	6.5%	$2,593	$980	n/a
27	Point Mortgage Corp	38	6.624%	$3,509	$1,395	$281
28	ENVOY MORTGAGE, LTD	38	6.625%	$6,505	$3,091	$1,828
29	1ST SOURCE BANK	37	6.5%	$2,576	$939	$828
30	Polaris Home Funding Corp.	35	6.5%	$5,645	$3,189	$2,202
31	Navy Federal Credit Union	33	6.125%	$2,079	$0	$3,461
32	LOANDEPOT.COM, LLC	30	6.75%	$5,705	$1,643	$1,007
33	Fort Financial Credit Union	28	6.625%	$3,207	$1,385	$994
34	GARRETT STATE BANK	28	n/a	n/a	n/a	n/a
35	VanDyk Mortgage Corporation	28	6.625%	$3,892	$1,890	$586
36	LAKE CITY BANK	28	6.562%	$2,263	$1,035	$2,445
37	STAR Financial Bank	28	6.25%	$2,664	$975	$893
38	WESBANCO BANK, INC.	27	6.375%	$3,022	$1,695	$78
39	Fire Police City County Federa	25	6.875%	$2,471	$1,125	n/a
40	Union Home Mortgage Corp.	25	6.75%	$3,657	$2,057	$304

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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What happens after you submit

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Common questions

What mortgage rate did people get in Allen County in 2025?

The median interest rate on closed home-purchase loans in Allen County, Indiana in 2025 was 6.625%, across 4,804 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.