What people paid for mortgages in Hamilton County, IN (2025)
Across 5,822 closed home-purchase loans in 2025, the median interest rate in Hamilton was 6.5%, and the middle half of borrowers got between 5.99% and 6.875%. Median total loan costs ran $3,799 on a median loan of $375,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $3,799
- Median loan amount
- $375,000
5,822 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $4,100
- Median loan amount
- $335,000
2,339 loans, 2025.
Lowest median rates in Hamilton (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.LENNAR MORTGAGE, LLC4.99%372 loans, median costs $3,902
- 2.DHI MORTGAGE COMPANY, LTD.4.99%37 loans, median costs $7,496
- 3.M/I FINANCIAL, LLC5.375%113 loans, median costs $13,360
- 4.PULTE MORTGAGE LLC5.5%249 loans, median costs $917
- 5.INDIANA MEMBERS CREDIT UNION6%67 loans, median costs $3,186
Among lenders with at least 30 closed purchase loans in Hamilton County in 2025.
Refinance
- 1.PENNYMAC LOAN SERVICES, LLC5.875%54 loans, median costs $8,610
- 2.NEWREZ LLC5.99%57 loans, median costs $5,253
- 3.Loandepot.Com, LLC5.99%34 loans, median costs $8,121
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%223 loans, median costs $6,046
- 5.Rocket Mortgage, LLC6.125%242 loans, median costs $6,635
Among lenders with at least 30 closed refinance loans in Hamilton County in 2025.
Lender by lender in Hamilton
Every lender that closed at least 5 qualifying loans in Hamilton 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 | LENNAR MORTGAGE, LLC | 372 | 4.99% | $3,902 | $1,395 | $8,779 |
| 2 | Fairway Independent Mortgage Corporation | 334 | 6.49% | $3,335 | $1,565 | $2,791 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 267 | 6.599% | $4,920 | $2,098 | $2,088 |
| 4 | PULTE MORTGAGE LLC | 249 | 5.5% | $917 | $0 | $5,451 |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 234 | 6.062% | $7,902 | $2,763 | $5,015 |
| 6 | GVC MORTGAGE, INC. | 220 | 6.625% | $3,752 | $1,659 | $2,031 |
| 7 | RUOFF MORTGAGE COMPANY, INC. | 201 | 6.625% | $3,539 | $1,585 | $1,637 |
| 8 | Rocket Mortgage, LLC | 194 | 6.5% | $3,970 | $2,084 | $2,531 |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 192 | 6.625% | $4,053 | $1,698 | $3,295 |
| 10 | MJW FINANCIAL LLC | 175 | 6.624% | $3,588 | $1,295 | $1,521 |
| 11 | UNION HOME MORTGAGE CORP. | 147 | 6.875% | $4,182 | $1,805 | $878 |
| 12 | Elements Financial Federal Credit Union | 143 | 6.5% | $3,209 | $995 | $902 |
| 13 | JPMorgan Chase Bank, National Association | 137 | 6.49% | $3,021 | $1,288 | $1,966 |
| 14 | GUILD MORTGAGE COMPANY | 118 | 6.625% | $3,656 | $1,543 | $1,184 |
| 15 | M/I FINANCIAL, LLC | 113 | 5.375% | $13,360 | $8,489 | $8,447 |
| 16 | Union Savings Bank | 108 | 6.625% | $2,251 | $500 | $1,000 |
| 17 | FORUM | 93 | 6.625% | $1,981 | $0 | $795 |
| 18 | GUARANTEED RATE, INC. | 93 | 6.625% | $4,134 | $1,640 | $1,964 |
| 19 | The Huntington National Bank | 84 | 6.625% | $3,737 | $1,500 | $1,828 |
| 20 | HOWARD HANNA FINANCIAL SERVICES, INC. | 80 | 6.607% | $4,846 | $3,104 | $1,600 |
| 21 | VICTORY MORTGAGE, L.L.C. | 70 | 6.5% | $2,358 | $850 | $7,205 |
| 22 | INDIANA MEMBERS CREDIT UNION | 67 | 6% | $3,186 | $995 | $4,970 |
| 23 | FLAT BRANCH MORTGAGE, INC. | 65 | 6.625% | $3,347 | $1,230 | $1,008 |
| 24 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 58 | 6.688% | $4,513 | $2,211 | $1,048 |
| 25 | The State Bank and Trust Company | 58 | 6.5% | $3,290 | $1,158 | $1,330 |
| 26 | Fifth Third Bank, National Association | 57 | 6.35% | $3,585 | $1,295 | $2,250 |
| 27 | FIRST EQUITY MORTGAGE INCORPORATED | 56 | 6.5% | $4,078 | $1,095 | $5,607 |
| 28 | MILESTONE HOME LENDING, LLC | 50 | 6.933% | $3,812 | $2,205 | $1,343 |
| 29 | Mortgage Research Center, LLC | 47 | 6.125% | $4,640 | $1,377 | $959 |
| 30 | First Merchants Bank | 47 | 6.5% | $3,437 | $1,300 | $451 |
| 31 | NEWREZ LLC | 43 | 6.375% | $5,974 | $1,643 | $1,501 |
| 32 | U.S. Bank National Association | 43 | 6.49% | $2,730 | $1,245 | $975 |
| 33 | Merchants Bank of Indiana | 40 | 6.188% | $2,935 | $500 | $966 |
| 34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 39 | 6.375% | $4,291 | $1,570 | $5,382 |
| 35 | DHI MORTGAGE COMPANY, LTD. | 37 | 4.99% | $7,496 | $0 | $2,658 |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.5% | $3,386 | $1,295 | $1,373 |
| 37 | PENNYMAC LOAN SERVICES, LLC | 35 | 6.25% | $6,320 | $1,695 | $1,920 |
| 38 | PROVIDENT FUNDING ASSOCIATES, L.P. | 33 | 6.375% | $2,762 | $1,125 | $904 |
| 39 | Old National Bank | 33 | 6% | $3,421 | $1,100 | $908 |
| 40 | FIRST COMMUNITY MORTGAGE, INC. | 33 | 6.75% | $4,688 | $2,860 | $1,953 |
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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Hamilton figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Hamilton County in 2025?
The median interest rate on closed home-purchase loans in Hamilton County, Indiana in 2025 was 6.5%, across 5,822 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% 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.