Residential Mortgage Rates

All interest rates are for owner-occupied, single-family residences & subject to change daily. Interest rates and/or closing costs subject to credit score & loan-to-value.
For more information, please call and ask to speak with our residential mortgage department at 765-732-3022. Call for quotes on non-conforming properties (which is property normally more than 5 acres), commercial and agriculture properties.

Effective: January 26, 2023

Years
Interest Rate
Point
Out of Pocket Cost
APR
**Max Loan-to-Value
30 year fixed   

5.750%

 1 

 

+
5.885%
95%
30 year fixed
6.000%
0.5
+

6.089%

95%
30 year fixed

6.125% 

 
 0
+
6.167%
95%
20 year fixed

5.500%

 1
+
5.679%
95%
20 year fixed

 5.750%

 0.5

+
5.868%
95%
20 year fixed

5.875%

 0 
+

5.931%

95%
15 year fixed  4.875%
 1
+

 5.097%

95%
15 year fixed

 5.125%

 0.5 +  5.271%
95%
15 year fixed

5.250%

  0
+

5.319%

95%
10 year fixed

 4.875%

  1 +  5.192%
95%
10 year fixed

 5.125%

 0.5 +  5.333%
95%
10 year fixed

 5.250%

 0

 +  5.348% 95%

 

 

All interest rates subject to change daily
A "Point" is 1% of the Loan Amount as a loan closing fee charged to obtain a loan

APR = Annual Percentage Rate

**Loan-to-Value = Pending usage of loan