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

Across 1,134 closed home-purchase loans in 2025, the median interest rate in Monroe was 6.588%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,306 on a median loan of $265,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.588%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $3,306
Median loan amount: $265,000

1,134 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.85%–6.75%
Median total loan costs: $3,868
Median loan amount: $215,000

571 loans, 2025.

Lowest median rates in Monroe (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.INDIANA UNIVERSITY CREDIT UNION6.25%147 loans, median costs $1,938
2.Jackson County Bank6.375%34 loans, median costs $3,039
3.PREMIER MORTGAGE RESOURCES, L.L.C.6.375%31 loans, median costs $7,903
4.JPMorgan Chase Bank, National Association6.375%31 loans, median costs $3,017
5.Rocket Mortgage, LLC6.5%30 loans, median costs $5,697

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

Refinance

1.Rocket Mortgage, LLC5.99%50 loans, median costs $6,758
2.RUOFF MORTGAGE COMPANY, INC.6.125%33 loans, median costs $4,201
3.INDIANA UNIVERSITY CREDIT UNION6.375%135 loans, median costs $1,941

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

Lender by lender in Monroe

Every lender that closed at least 5 qualifying loans in Monroe 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, INC.	200	6.625%	$3,059	$261	$2,090
2	INDIANA UNIVERSITY CREDIT UNION	147	6.25%	$1,938	$430	$250
3	CMG MORTGAGE, INC.	106	6.875%	$3,419	$1,595	$1,095
4	The Peoples State Bank	44	n/a	n/a	n/a	n/a
5	FAIR WAY LENDING LLC	37	6.625%	$3,365	$1,415	$1,833
6	Jackson County Bank	34	6.375%	$3,039	$825	$2,879
7	PREMIER MORTGAGE RESOURCES, L.L.C.	31	6.375%	$7,903	$4,200	$3,019
8	STOCKTON MORTGAGE CORPORATION	31	6.875%	$4,259	$2,168	$577
9	JPMorgan Chase Bank, National Association	31	6.375%	$3,017	$1,663	$1,855
10	Rocket Mortgage, LLC	30	6.5%	$5,697	$4,270	$3,411
11	German American Bank	22	6.557%	$3,109	$1,195	$4,856
12	Fairway Independent Mortgage Corporation	20	6.49%	$4,233	$1,595	$4,986
13	Mortgage Research Center, LLC	19	6.25%	$6,211	$0	$1,278
14	Old National Bank	18	6.625%	$3,387	$1,567	$1,234
15	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	17	6.625%	$4,499	$2,282	$1,507
16	GVC MORTGAGE, INC.	14	6.875%	$4,503	$1,790	$842
17	Navy Federal Credit Union	11	6%	$1,971	$0	n/a
18	Fifth Third Bank, National Association	11	6.375%	$3,112	$1,295	$750
19	HOOSIER HILLS CREDIT UNION	10	6.312%	$2,986	$1,195	n/a
20	Owen County State Bank	10	n/a	n/a	n/a	n/a
21	TRIAD FINANCIAL SERVICES, INC.	10	10.225%	n/a	n/a	n/a
22	Paramount Residential Mortgage Group, Inc.	9	6.99%	$5,060	$3,221	$2,273
23	Elements Financial Federal Credit Union	9	6.625%	$2,940	$995	n/a
24	CROSSCOUNTRY MORTGAGE, INC.	9	6.875%	$9,807	$7,232	$5,242
25	USAA Federal Savings Bank	8	6.5%	$6,492	$971	$2,156
26	Luminate Bank	7	7.124%	$5,345	$1,690	$737
27	Farmers and Mechanics Federal Savings Bank	7	n/a	n/a	n/a	n/a
28	MORTGAGE MASTERS OF INDIANA, INC.	6	6.562%	$3,563	$1,595	n/a
29	Baxter Credit Union	6	5.562%	$2,788	$1,050	n/a
30	Regions Bank	6	6.625%	$2,975	$1,070	$215
31	Centra Credit Union	5	6.625%	$2,529	$795	n/a
32	Union Savings Bank	5	6.875%	$1,960	$916	n/a
33	LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation	5	6.375%	$3,244	$1,494	$1,794
34	MILESTONE HOME LENDING, LLC	5	7.125%	$2,966	$1,295	$774
35	UNION HOME MORTGAGE CORP.	5	6.875%	$4,668	$2,893	$787
36	21st Mortgage Corporation	5	9.31%	$4,947	$4,045	n/a
37	Northwest Bank	5	6.375%	$1,843	$595	$473
38	First Financial Bank	5	6.5%	$3,309	$1,435	$830
39	PENNYMAC LOAN SERVICES, LLC	5	6.25%	$10,297	$1,800	$816

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, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Monroe figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Monroe County, Indiana in 2025 was 6.588%, across 1,134 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.