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

Across 390 closed home-purchase loans in 2025, the median interest rate in Whitley was 6.625%, and the middle half of borrowers got between 6.375% and 6.875%. Median total loan costs ran $3,667 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.375%–6.875%
Median total loan costs: $3,667
Median loan amount: $225,000

390 loans, 2025.

Refinance

Median rate: 6.37%
Middle half of rates: 5.875%–7%
Median total loan costs: $4,811
Median loan amount: $165,000

237 loans, 2025.

Lowest median rates in Whitley (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.RUOFF MORTGAGE COMPANY, INC.6.562%70 loans, median costs $3,437
2.GVC MORTGAGE, INC.6.625%36 loans, median costs $5,350
3.Three Rivers Federal Credit Union6.688%42 loans, median costs $2,876

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

Refinance

1.PENNYMAC LOAN SERVICES, LLC5.933%12 loans, median costs $8,413
2.Rocket Mortgage, LLC5.99%25 loans, median costs $6,716
3.RUOFF MORTGAGE COMPANY, INC.6.062%18 loans, median costs $3,726
4.FREEDOM MORTGAGE CORPORATION6.25%10 loans, median costs $4,837
5.MidWest America Federal Credit Union6.49%10 loans, median costs n/a

Among lenders with at least 10 closed refinance loans in Whitley County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Whitley

Every lender that closed at least 5 qualifying loans in Whitley 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.	70	6.562%	$3,437	$1,649	$953
2	Three Rivers Federal Credit Union	42	6.688%	$2,876	$1,154	$606
3	GVC MORTGAGE, INC.	36	6.625%	$5,350	$2,255	$1,254
4	JPMorgan Chase Bank, National Association	13	6.125%	$2,634	$955	$2,674
5	Fairway Independent Mortgage Corporation	12	6.438%	$5,725	$2,245	$2,126
6	Fifth Third Bank, National Association	12	6.562%	$3,585	$1,295	$374
7	PROFED CREDIT UNION	11	6.125%	$2,746	$950	n/a
8	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	11	6.375%	$3,217	$1,801	$1,496
9	V.I.P. MORTGAGE, INC.	8	6.75%	$4,263	$1,620	$546
10	STAR Financial Bank	8	6.125%	$2,872	$1,450	n/a
11	Nations Lending Corporation	7	6.75%	$6,738	$2,159	$2,311
12	Crossroads Bank	7	n/a	n/a	n/a	n/a
13	UNION HOME MORTGAGE CORP.	7	6.75%	$3,361	$1,918	$459
14	VAN DYK MORTGAGE CORPORATION	7	6.625%	$4,938	$2,696	$900
15	Navy Federal Credit Union	6	5.875%	$3,177	$0	n/a
16	Farm Credit Mid-America	6	6.625%	$7,228	$6,460	n/a
17	Mortgage Research Center, LLC	6	6.188%	$3,554	$1,053	$1,395
18	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	6	6.688%	$4,989	$2,336	$1,794
19	Union Savings Bank	6	6.5%	$2,204	$250	n/a
20	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	6	6.688%	$4,213	$2,388	$1,906
21	FORT FINANCIAL Federal Credit Union	5	6.625%	$2,860	$1,385	n/a
22	STOCKTON MORTGAGE CORPORATION	5	6.625%	$4,543	$1,880	$289
23	EVERWISE CREDIT UNION	5	6.25%	$3,059	$1,130	$650

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.

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What happens after you submit

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Common questions

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

The median interest rate on closed home-purchase loans in Whitley County, Indiana in 2025 was 6.625%, across 390 first-lien, owner-occupied loans. The middle half of borrowers got between 6.375% 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.