What people paid for mortgages in Warrick County, IN (2025)
Across 815 closed home-purchase loans in 2025, the median interest rate in Warrick was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,425 on a median loan of $255,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $3,425
- Median loan amount
- $255,000
815 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $3,802
- Median loan amount
- $195,000
383 loans, 2025.
Lowest median rates in Warrick (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.FBC MORTGAGE, LLC4.99%37 loans, median costs $8,766
- 2.Old National Bank6.375%37 loans, median costs $3,310
- 3.MORTGAGE MASTERS OF INDIANA, INC.6.5%156 loans, median costs $3,773
- 4.Liberty6.5%140 loans, median costs $2,873
- 5.Heritage Federal Credit Union6.625%53 loans, median costs $2,691
Among lenders with at least 30 closed purchase loans in Warrick County in 2025.
Refinance
- 1.PENNYMAC LOAN SERVICES, LLC5.625%10 loans, median costs $8,768
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.798%24 loans, median costs $5,267
- 3.Old National Bank5.85%15 loans, median costs $3,173
- 4.German American Bank5.99%11 loans, median costs $3,119
- 5.MORTGAGE MASTERS OF INDIANA, INC.6.062%28 loans, median costs $3,637
Among lenders with at least 10 closed refinance loans in Warrick County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Warrick
Every lender that closed at least 5 qualifying loans in Warrick 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 | MORTGAGE MASTERS OF INDIANA, INC. | 156 | 6.5% | $3,773 | $1,595 | n/a |
| 2 | Liberty | 140 | 6.5% | $2,873 | $849 | $456 |
| 3 | Heritage Federal Credit Union | 53 | 6.625% | $2,691 | $649 | $313 |
| 4 | LNB COMMUNITY BANK | 46 | n/a | n/a | n/a | n/a |
| 5 | FBC MORTGAGE, LLC | 37 | 4.99% | $8,766 | $1,395 | $7,441 |
| 6 | Old National Bank | 37 | 6.375% | $3,310 | $1,100 | $839 |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 24 | 6.544% | $3,566 | $1,404 | $1,026 |
| 8 | INDIANA MEMBERS CREDIT UNION | 20 | 5.875% | $3,192 | $995 | $1,823 |
| 9 | First Federal Savings Bank | 18 | n/a | n/a | n/a | n/a |
| 10 | German American Bank | 17 | 6.625% | $2,846 | $1,023 | $1,300 |
| 11 | Rocket Mortgage, LLC | 17 | 6.75% | $5,564 | $2,380 | $2,744 |
| 12 | Luminate Bank | 17 | 6.875% | $7,054 | $1,690 | $1,285 |
| 13 | Mortgage Research Center, LLC | 16 | 6.375% | $1,505 | $0 | $580 |
| 14 | Fifth Third Bank, National Association | 16 | 5.99% | $3,567 | $1,295 | $844 |
| 15 | PLAZA HOME MORTGAGE, INC.broker only | 12 | 6.625% | $5,573 | $606 | $308 |
| 16 | GVC MORTGAGE, INC. | 8 | 6.938% | $6,220 | $2,900 | $686 |
| 17 | BOONVILLE FEDERAL SAVINGS BANK | 7 | 7.5% | $2,989 | $1,775 | n/a |
| 18 | Equity Prime Mortgage LLC | 7 | 6.625% | $6,998 | $3,143 | $1,510 |
| 19 | AMERICAN FINANCIAL RESOURCES, INC. | 6 | 6.625% | $3,422 | $1,304 | $1,025 |
| 20 | ENVOY MORTGAGE, LTD | 6 | 6.688% | $8,291 | $2,331 | $3,395 |
| 21 | Peoples Trust and Savings Bank | 6 | n/a | n/a | n/a | n/a |
| 22 | 21st Mortgage Corporation | 6 | 10.79% | $6,891 | $4,045 | n/a |
| 23 | Fairway Independent Mortgage Corporation | 5 | 6.75% | $3,008 | $0 | $1,687 |
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 Warrick figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Warrick County in 2025?
The median interest rate on closed home-purchase loans in Warrick County, Indiana in 2025 was 6.5%, across 815 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.