BLOOMINGTON Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Bloomington averaged
6.73%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.74% and
one month ago for the week of 2025-02-27, the
average rate was 6.95%.
Bloomington's average rate one year ago was 7.08%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Bloomington 30 Year Fixed Rate | 2025-04-03 | 6.73% |
| Bloomington 30 Year Fixed Rate Refi | 2025-04-03 | 6.98% |
| Bloomington 15 Year Fixed Rate | 2025-04-03 | 6.81% |
| Bloomington 15 Year Fixed Rate Refi | 2025-04-03 | 6.12% |
| Bloomington 30 Year FHA | 2025-04-03 | 6.71% |
| Bloomington 30 Year FHA Refi | 2025-04-03 | 6.16% |
| Bloomington 30 Year USDA | 2025-04-03 | 6.32% |
| Bloomington 30 Year USDA Refi | 2025-04-03 | 6.42% |
| Bloomington 30 Year VA | 2025-04-03 | 6.2% |
| Bloomington 30 Year VA Refi | 2025-04-03 | 5.86% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BLOOMINGTON, IN.
BLOOMINGTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BLOOMINGTON, IN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BLOOMINGTON Average Closing Costs & Other Stats
BLOOMINGTON, IN's 122 lenders originated 2,866
loans during 2024. The total origination value was $785,510,000, with an average loan value of
$274,079.
BLOOMINGTON's average closing costs are $3,712.
The top BLOOMINGTON lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with
186 loans originated. Their average total fees are
$2,592, which is $498
higher than the next largest lender,
INDIANA UNIVERSITY CREDIT UNION.
The lowest fee BLOOMINGTON lenders (with over 10 loans originated) are
CRANE ($2,076), INDIANA UNIVERSITY CREDIT UNION ($2,094), RUOFF MORTGAGE COMPANY, INC. ($2,592), JPMorgan Chase Bank ($2,877) and German American Bank ($2,907).
The lowest rate BLOOMINGTON lenders (with over 10 loans originated) are
Jackson County Bank (6.46%), Old National Bank (6.51%), INDIANA UNIVERSITY CREDIT UNION (6.51%), CRANE (6.53%) and Fifth Third Bank (6.58%).
BLOOMINGTON, IN Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| INDIANA UNIVERSITY CREDIT UNION | $110,355,000 | $119,680,000 | 8.5% | 15.2% |
| RUOFF MORTGAGE COMPANY, INC. | $71,835,000 | $73,980,000 | 3.0% | 9.4% |
| Jackson County Bank | $10,065,000 | $49,565,000 | 392.4% | 6.3% |
| German American Bank | $42,310,000 | $45,500,000 | 7.5% | 5.8% |
| CMG MORTGAGE, INC. | $880,000 | $34,375,000 | 3,806.3% | 4.4% |
| Stock Yards Bank & Trust Company | $585,000 | $29,515,000 | 4,945.3% | 3.8% |
| QUICKEN LOANS, LLC | $20,625,000 | $29,190,000 | 41.5% | 3.7% |
| Old National Bank | $30,995,000 | $25,105,000 | -19.0% | 3.2% |
| The Peoples State Bank | $23,775,000 | $18,710,000 | -21.3% | 2.4% |
| Customers Bank | $17,645,000 | n/a | 2.2% | |
| Merchants Bank of Indiana | $20,220,000 | $15,400,000 | -23.8% | 2.0% |
| Owen County State Bank | $14,445,000 | $14,995,000 | 3.8% | 1.9% |
| FAIR WAY LENDING LLC | $11,925,000 | $12,485,000 | 4.7% | 1.6% |
| JPMorgan Chase Bank | $11,890,000 | $11,390,000 | -4.2% | 1.5% |
| GVC MORTGAGE, INC. | $5,790,000 | $10,980,000 | 89.6% | 1.4% |
| Fifth Third Bank | $8,555,000 | $10,135,000 | 18.5% | 1.3% |
| Mortgage Research Center, LLC | $7,550,000 | $9,530,000 | 26.2% | 1.2% |
| Merchants Capital Corp. | $13,600,000 | $8,965,000 | -34.1% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $3,440,000 | $8,340,000 | 142.4% | 1.1% |
| CRANE | $6,635,000 | $7,505,000 | 13.1% | 1.0% |
| USAA Federal Savings Bank | $2,470,000 | $7,335,000 | 197.0% | 0.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $12,065,000 | $7,125,000 | -40.9% | 0.9% |
| First Financial Bank | $6,830,000 | $6,915,000 | 1.2% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $6,675,000 | $6,135,000 | -8.1% | 0.8% |
| INDIANA MEMBERS CREDIT UNION | $2,325,000 | $5,905,000 | 154.0% | 0.8% |
| STOCKTON MORTGAGE CORPORATION | $2,665,000 | $5,860,000 | 119.9% | 0.7% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,575,000 | $5,840,000 | 126.8% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $2,235,000 | $5,225,000 | 133.8% | 0.7% |
| Elements Financial Federal Credit Union | $5,350,000 | $5,165,000 | -3.5% | 0.7% |
| First Financial Bank | $6,830,000 | $5,085,000 | -25.5% | 0.6% |
| Farmers and Mechanics Federal Savings Bank | $485,000 | $4,900,000 | 910.3% | 0.6% |
| The Greenwood's State Bank | $4,235,000 | n/a | 0.5% | |
| The Federal Savings Bank | $6,260,000 | $4,160,000 | -33.5% | 0.5% |
| Union Savings Bank | $6,560,000 | $4,060,000 | -38.1% | 0.5% |
| Greenfield Banking Company | $3,985,000 | n/a | 0.5% | |
| MOVEMENT MORTGAGE, LLC | $3,030,000 | $3,965,000 | 30.9% | 0.5% |
| HALLMARK HOME MORTGAGE, LLC | $3,350,000 | $3,950,000 | 17.9% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,355,000 | $3,785,000 | -40.4% | 0.5% |
| NEWREZ LLC | $2,000,000 | $3,710,000 | 85.5% | 0.5% |
| MILESTONE HOME LENDING, LLC | $8,315,000 | $3,605,000 | -56.6% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,080,000 | $3,445,000 | 65.6% | 0.4% |
| Farm Credit Mid-America, ACA | $4,430,000 | $3,330,000 | -24.8% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,900,000 | $3,310,000 | 74.2% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,320,000 | $3,240,000 | -2.4% | 0.4% |
| Baxter Credit Union | $3,790,000 | $3,165,000 | -16.5% | 0.4% |
| Citizens Bank | $750,000 | $2,580,000 | 244.0% | 0.3% |
| AmeriHome Mortgage Company, LLC | $365,000 | $2,530,000 | 593.2% | 0.3% |
| Carrington Mortgage Services, LLC | $875,000 | $2,415,000 | 176.0% | 0.3% |
| Home Bank SB | $1,955,000 | $2,415,000 | 23.5% | 0.3% |
| CIBC Bank USA | $2,405,000 | n/a | 0.3% | |
| LOANDEPOT.COM, LLC | $1,650,000 | $2,390,000 | 44.8% | 0.3% |
| TEACHERS CREDIT UNION | $2,295,000 | $2,245,000 | -2.2% | 0.3% |
| GUARANTEED RATE, INC. | $1,155,000 | $2,205,000 | 90.9% | 0.3% |
| Morgan Stanley Private Bank | $2,075,000 | $1,985,000 | -4.3% | 0.3% |
| Regions Bank | $4,815,000 | $1,975,000 | -59.0% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $215,000 | $1,770,000 | 723.3% | 0.2% |
| First National Bank | $1,180,000 | $1,765,000 | 49.6% | 0.2% |
| Horizon Bank | $1,545,000 | $1,705,000 | 10.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $595,000 | $1,655,000 | 178.2% | 0.2% |
| MORTGAGE MASTERS OF INDIANA, INC. | $3,255,000 | $1,655,000 | -49.2% | 0.2% |
| Bank of America | $2,110,000 | $1,645,000 | -22.0% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $665,000 | $1,510,000 | 127.1% | 0.2% |
| Advisors Mortgage Group, L.L.C. | $265,000 | $1,465,000 | 452.8% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $665,000 | $1,380,000 | 107.5% | 0.2% |
| PNC Bank | $1,695,000 | $1,315,000 | -22.4% | 0.2% |
| Flagstar Bank, FSB | $1,435,000 | $1,310,000 | -8.7% | 0.2% |
| MJW Financial LLC | $2,245,000 | $1,300,000 | -42.1% | 0.2% |
| U.S. Bank | $2,145,000 | $1,280,000 | -40.3% | 0.2% |
| Wolfe Financial, Inc | $1,845,000 | $1,280,000 | -30.6% | 0.2% |
| UNION HOME MORTGAGE CORP. | $655,000 | $1,260,000 | 92.4% | 0.2% |
| First Federal Bank | $1,255,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $1,225,000 | n/a | 0.2% | |
| The Huntington National Bank | $3,965,000 | $1,225,000 | -69.1% | 0.2% |
| STAR Financial Bank | $1,210,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $1,070,000 | $1,205,000 | 12.6% | 0.2% |
| LOANPAL, LLC | $470,000 | $1,200,000 | 155.3% | 0.2% |
| Northpointe Bank | $3,040,000 | $1,190,000 | -60.9% | 0.2% |
| Discover Bank | $760,000 | $1,140,000 | 50.0% | 0.1% |
| NBKC BANK | $285,000 | $1,135,000 | 298.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,110,000 | $1,115,000 | 0.5% | 0.1% |
| First Federal Savings Bank | $350,000 | $1,110,000 | 217.1% | 0.1% |
| FORUM Credit Union | $685,000 | $1,110,000 | 62.0% | 0.1% |
| BETTER MORTGAGE CORPORATION | $275,000 | $1,080,000 | 292.7% | 0.1% |
| Citizens Bank | $750,000 | $1,025,000 | 36.7% | 0.1% |
| Florida Capital Bank | $1,005,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | $1,005,000 | 857.1% | 0.1% |
| First Option Mortgage, LLC | $1,000,000 | n/a | 0.1% | |
| BMO Harris Bank | $330,000 | $990,000 | 200.0% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $255,000 | $985,000 | 286.3% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,585,000 | $980,000 | -38.2% | 0.1% |
| 1st Source Bank | $390,000 | $915,000 | 134.6% | 0.1% |
| Ally Bank | $470,000 | $875,000 | 86.2% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $720,000 | $870,000 | 20.8% | 0.1% |
| KeyBank | $2,635,000 | $845,000 | -67.9% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $495,000 | $815,000 | 64.6% | 0.1% |
| INTERCAP LENDING INC. | $800,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $2,030,000 | $795,000 | -60.8% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $790,000 | n/a | 0.1% | |
| First Farmers Bank and Trust Company | $240,000 | $770,000 | 220.8% | 0.1% |
| Flanagan State Bank | $145,000 | $725,000 | 400.0% | 0.1% |
| PLANET HOME LENDING, LLC | $710,000 | n/a | 0.1% | |
| Centra Credit Union | $1,220,000 | $700,000 | -42.6% | 0.1% |
| Figure Lending LLC | $805,000 | $695,000 | -13.7% | 0.1% |
| 21ST MORTGAGE CORPORATION | $265,000 | $670,000 | 152.8% | 0.1% |
| Texana Bank | $660,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,055,000 | $635,000 | -39.8% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $625,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $700,000 | $625,000 | -10.7% | 0.1% |
| The Riddell National Bank | $270,000 | $625,000 | 131.5% | 0.1% |
| Nations Lending Corporation | $235,000 | $610,000 | 159.6% | 0.1% |
| First Merchants Bank | $380,000 | $605,000 | 59.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $580,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $570,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $670,000 | $565,000 | -15.7% | 0.1% |
| NP, Inc. | $565,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $225,000 | $500,000 | 122.2% | 0.1% |
| Stifel Bank and Trust | $495,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $465,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $460,000 | n/a | 0.1% | |
| Northwest Bank | $285,000 | $445,000 | 56.1% | 0.1% |
| Wells Fargo Bank | $4,575,000 | $445,000 | -90.3% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $5,000 | $435,000 | 8,600.0% | 0.1% |
| Arvest Bank | $430,000 | n/a | 0.1% | |
| Armed Forces Bank | $425,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $560,000 | $425,000 | -24.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $465,000 | $405,000 | -12.9% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $790,000 | $405,000 | -48.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $585,000 | $385,000 | -34.2% | 0.0% |
| Three Rivers Federal Credit Union | $335,000 | $375,000 | 11.9% | 0.0% |
| Countybank | $365,000 | n/a | 0.0% | |
| NFM, INC. | $365,000 | n/a | 0.0% | |
| OCMBC, INC. | $360,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $205,000 | $355,000 | 73.2% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $305,000 | $355,000 | 16.4% | 0.0% |
| Magnolia Bank | $670,000 | $355,000 | -47.0% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $645,000 | $345,000 | -46.5% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $430,000 | $340,000 | -20.9% | 0.0% |
| The North Salem State Bank | $310,000 | $330,000 | 6.5% | 0.0% |
| Ameris Bank | $315,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $305,000 | n/a | 0.0% | |
| M&T Bank | $305,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $625,000 | $300,000 | -52.0% | 0.0% |
| GUILD MORTGAGE COMPANY | $115,000 | $300,000 | 160.9% | 0.0% |
| AMWEST FUNDING CORP. | $430,000 | $295,000 | -31.4% | 0.0% |
| First Mid Bank & Trust | $285,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $285,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $95,000 | $265,000 | 178.9% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $265,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $255,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $85,000 | $255,000 | 200.0% | 0.0% |
| UNITED | $45,000 | $255,000 | 466.7% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $250,000 | n/a | 0.0% | |
| American Community Bank of Indiana | $245,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $245,000 | n/a | 0.0% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $205,000 | $245,000 | 19.5% | 0.0% |
| LENDSURE MORTGAGE CORP. | $245,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $245,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $750,000 | $245,000 | -67.3% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $340,000 | $240,000 | -29.4% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $245,000 | $225,000 | -8.2% | 0.0% |
| BAY EQUITY LLC | $225,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $225,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $225,000 | n/a | 0.0% | |
| Civista Bank | $215,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $215,000 | n/a | 0.0% | |
| Bank of England | $790,000 | $205,000 | -74.1% | 0.0% |
| IncredibleBank | $205,000 | n/a | 0.0% | |
| Bell Bank | $195,000 | n/a | 0.0% | |
| Blue Ridge Bank | $1,165,000 | $195,000 | -83.3% | 0.0% |
| Leader Bank | $185,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $195,000 | $185,000 | -5.1% | 0.0% |
| Centier Bank | $425,000 | $175,000 | -58.8% | 0.0% |
| Devon Bank | $175,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $175,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $405,000 | $170,000 | -58.0% | 0.0% |
| Ixonia Bank | $165,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $1,100,000 | $155,000 | -85.9% | 0.0% |
| FORT FINANCIAL Federal Credit Union | $155,000 | n/a | 0.0% | |
| Guardian Savings Bank, A Federal Savings Bank | $155,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $155,000 | $145,000 | -6.5% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $125,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $125,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $125,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $310,000 | $115,000 | -62.9% | 0.0% |
| Chartwell Financial, LLC | $65,000 | $110,000 | 69.2% | 0.0% |
| FINANCIAL CENTER FIRST CREDIT UNION | $80,000 | $110,000 | 37.5% | 0.0% |
| GREENSTATE CREDIT UNION | $110,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| Connexus Credit Union | $65,000 | $85,000 | 30.8% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $70,000 | n/a | 0.0% | |
| Gateway First Bank | $600,000 | $65,000 | -89.2% | 0.0% |
| Chicago Patrolmen's Federal Credit Union | $55,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $130,000 | $55,000 | -57.7% | 0.0% |
BLOOMINGTON's top lender by overall market share is INDIANA UNIVERSITY CREDIT UNION, with 15.2% market share. In second place, with 9.4%, is RUOFF MORTGAGE COMPANY, INC., having originated $73,980,000 in loans. In third place, with 6.3%, is Jackson County Bank, having originated $49,565,000 in loans. In fourth place, with 5.8%, is German American Bank, having originated $45,500,000 in loans. In fifth place, with 4.4%, is CMG MORTGAGE, INC., having originated $34,375,000 in loans.
BLOOMINGTON Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - BLOOMINGTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $239,168 (11.1%) | $310,126 (2.2%) | 0.89 | 595 |
| 2018-02-01 | $254,950 (23.8%) | $318,348 (4.7%) | 0.93 | 620 |
| 2018-03-01 | $265,000 (17.9%) | $325,850 (4.2%) | 0.93 | 672 |
| 2018-04-01 | $266,725 (2.6%) | $324,947 (-7.5%) | 0.90 | 781 |
| 2018-05-01 | $268,225 (7.3%) | $331,483 (-3.2%) | 0.90 | 792 |
| 2018-06-01 | $266,350 (10.4%) | $332,862 (2.2%) | 0.89 | 775 |
| 2018-07-01 | $267,475 (19.1%) | $336,712 (11.0%) | 0.89 | 732 |
| 2018-08-01 | $257,700 (14.6%) | $327,499 (4.5%) | 0.86 | 702 |
| 2018-09-01 | $255,000 (11.2%) | $328,311 (1.3%) | 0.86 | 686 |
| 2018-10-01 | $262,400 (11.7%) | $332,706 (1.4%) | 0.89 | 704 |
| 2018-11-01 | $259,900 (13.1%) | $327,518 (1.4%) | 0.88 | 655 |
| 2018-12-01 | $259,900 (13.1%) | $329,729 (8.6%) | 0.90 | 582 |
| 2019-01-01 | $259,675 (8.6%) | $341,550 (10.1%) | 0.90 | 558 |
| 2019-02-01 | $261,000 (2.4%) | $330,850 (3.9%) | 0.88 | 599 |
| 2019-03-01 | $286,229 (8.0%) | $354,941 (8.9%) | 0.94 | 535 |
| 2019-04-01 | $308,500 (15.7%) | $386,455 (18.9%) | 0.98 | 430 |
| 2019-05-01 | $299,800 (11.8%) | $377,331 (13.8%) | 0.94 | 453 |
| 2019-06-01 | $300,000 (12.6%) | $372,759 (12.0%) | 0.94 | 453 |
| 2019-07-01 | $289,925 (8.4%) | $363,036 (7.8%) | 0.91 | 483 |
| 2019-08-01 | $284,255 (10.3%) | $359,158 (9.7%) | 0.90 | 486 |
| 2019-09-01 | $275,786 (8.2%) | $352,646 (7.4%) | 0.88 | 490 |
| 2019-10-01 | $273,041 (4.1%) | $353,782 (6.3%) | 0.88 | 473 |
| 2019-11-01 | $277,000 (6.6%) | $366,484 (11.9%) | 0.91 | 401 |
| 2019-12-01 | $291,000 (12.0%) | $383,855 (16.4%) | 0.97 | 338 |
| 2020-01-01 | $295,950 (14.0%) | $389,472 (14.0%) | 0.99 | 308 |
| 2020-02-01 | $309,000 (18.4%) | $392,178 (18.5%) | 1.01 | 322 |
| 2020-03-01 | $330,000 (15.3%) | $411,374 (15.9%) | 1.03 | 341 |
| 2020-04-01 | $324,975 (5.3%) | $396,452 (2.6%) | 1.02 | 367 |
| 2020-05-01 | $344,000 (14.7%) | $405,108 (7.4%) | 1.05 | 351 |
| 2020-06-01 | $339,350 (13.1%) | $407,644 (9.4%) | 1.00 | 342 |
| 2020-07-01 | $359,700 (24.1%) | $422,895 (16.5%) | 1.04 | 332 |
| 2020-08-01 | $359,700 (26.5%) | $420,606 (17.1%) | 1.03 | 318 |
| 2020-09-01 | $357,300 (29.6%) | $409,844 (16.2%) | 1.02 | 319 |
| 2020-10-01 | $320,000 (17.2%) | $391,814 (10.8%) | 0.92 | 316 |
| 2020-11-01 | $304,950 (10.1%) | $393,800 (7.5%) | 0.89 | 294 |
| 2020-12-01 | $299,950 (3.1%) | $392,612 (2.3%) | 0.89 | 236 |
| 2021-01-01 | $340,000 (14.9%) | $420,459 (8.0%) | 1.01 | 193 |
| 2021-02-01 | $367,000 (18.8%) | $453,243 (15.6%) | 1.07 | 157 |
| 2021-03-01 | $362,000 (9.7%) | $445,688 (8.3%) | 1.03 | 159 |
| 2021-04-01 | $345,250 (6.2%) | $427,176 (7.8%) | 0.93 | 168 |
| 2021-05-01 | $339,700 (-1.3%) | $440,408 (8.7%) | 0.90 | 158 |
| 2021-06-01 | $312,500 (-7.9%) | $424,563 (4.2%) | 0.82 | 210 |
| 2021-07-01 | $309,000 (-14.1%) | $409,355 (-3.2%) | 0.82 | 254 |
| 2021-08-01 | $307,975 (-14.4%) | $413,600 (-1.7%) | 0.82 | 270 |
| 2021-09-01 | $316,000 (-11.6%) | $413,265 (0.8%) | 0.84 | 253 |
| 2021-10-01 | $335,000 (4.7%) | $424,000 (8.2%) | 0.89 | 269 |
| 2021-11-01 | $334,900 (9.8%) | $431,701 (9.6%) | 0.90 | 236 |
| 2021-12-01 | $344,950 (15.0%) | $447,330 (13.9%) | 0.93 | 214 |
| 2022-01-01 | $352,450 (3.7%) | $463,108 (10.1%) | 0.95 | 186 |
| 2022-02-01 | $352,400 (-4.0%) | $476,896 (5.2%) | 0.92 | 170 |
| 2022-03-01 | $362,450 (0.1%) | $478,585 (7.4%) | 0.91 | 183 |
| 2022-04-01 | $365,000 (5.7%) | $481,704 (12.8%) | 0.87 | 195 |
| 2022-05-01 | $352,000 (3.6%) | $466,817 (6.0%) | 0.80 | 233 |
| 2022-06-01 | $354,175 (13.3%) | $452,596 (6.6%) | 0.79 | 291 |
| 2022-07-01 | $339,450 (9.9%) | $429,546 (4.9%) | 0.76 | 342 |
| 2022-08-01 | $349,950 (13.6%) | $434,338 (5.0%) | 0.81 | 347 |
| 2022-09-01 | $357,450 (13.1%) | $436,886 (5.7%) | 0.84 | 360 |
| 2022-10-01 | $334,500 (-0.2%) | $418,987 (-1.2%) | 0.79 | 389 |
| 2022-11-01 | $319,950 (-4.5%) | $388,607 (-10.0%) | 0.77 | 369 |
| 2022-12-01 | $315,000 (-8.7%) | $382,617 (-14.5%) | 0.78 | 288 |
| 2023-01-01 | $319,900 (-9.2%) | $385,712 (-16.7%) | 0.79 | 230 |
| 2023-02-01 | $332,950 (-5.5%) | $400,809 (-16.0%) | 0.80 | 226 |
| 2023-03-01 | $344,700 (-4.9%) | $406,799 (-15.0%) | 0.81 | 231 |
| 2023-04-01 | $369,900 (1.3%) | $433,778 (-10.0%) | 0.86 | 237 |
| 2023-05-01 | $391,200 (11.1%) | $459,773 (-1.5%) | 0.89 | 286 |
| 2023-06-01 | $391,975 (10.7%) | $466,628 (3.1%) | 0.88 | 302 |
| 2023-07-01 | $399,000 (17.5%) | $477,342 (11.1%) | 0.91 | 298 |
| 2023-08-01 | $392,450 (12.1%) | $475,571 (9.5%) | 0.90 | 301 |
| 2023-09-01 | $389,900 (9.1%) | $473,591 (8.4%) | 0.91 | 321 |
| 2023-10-01 | $394,000 (17.8%) | $460,899 (10.0%) | 0.93 | 336 |
| 2023-11-01 | $396,000 (23.8%) | $457,696 (17.8%) | 0.94 | 337 |
| 2023-12-01 | $395,000 (25.4%) | $445,946 (16.6%) | 0.96 | 311 |
| 2024-01-01 | $389,900 (21.9%) | $441,125 (14.4%) | 0.95 | 263 |
| 2024-02-01 | $414,700 (24.6%) | $482,590 (20.4%) | 1.00 | 233 |
| 2024-03-01 | $424,900 (23.3%) | $510,369 (25.5%) | 1.00 | 243 |
| 2024-04-01 | $400,950 (8.4%) | $496,911 (14.6%) | 0.93 | 295 |
| 2024-05-01 | $398,450 (1.9%) | $486,222 (5.8%) | 0.91 | 330 |
| 2024-06-01 | $399,900 (2.0%) | $483,329 (3.6%) | 0.91 | 386 |
| 2024-07-01 | $389,950 (-2.3%) | $474,079 (-0.7%) | 0.89 | 425 |
| 2024-08-01 | $365,000 (-7.0%) | $451,204 (-5.1%) | 0.85 | 451 |
| 2024-09-01 | $362,225 (-7.1%) | $435,982 (-7.9%) | 0.85 | 459 |
| 2024-10-01 | $347,450 (-11.8%) | $421,811 (-8.5%) | 0.82 | 475 |
| 2024-11-01 | $339,950 (-14.2%) | $419,204 (-8.4%) | 0.82 | 464 |
| 2024-12-01 | $329,000 (-16.7%) | $415,731 (-6.8%) | 0.82 | 405 |
| 2025-01-01 | $337,450 (-13.5%) | $417,584 (-5.3%) | 0.84 | 348 |
| 2025-02-01 | $358,975 (-13.4%) | $418,652 (-13.3%) | 0.87 | 355 |
| 2025-03-01 | $391,400 (-7.9%) | $446,569 (-12.5%) | 0.00 | 406 |
BLOOMINGTON's median listing price for 2025-03-01 was $391,400, a difference of
$-33,500
(-7.9%) versus the prior year and
$32,425 versus the prior month.
BLOOMINGTON's median listing price comes in at 0% of the national average.
BLOOMINGTON's average listing price for 2025-03-01 was $446,569, a difference of $-63,800 (-12.5%) versus the prior year and $27,917 versus the prior month.
For the 2025-03-01 period, BLOOMINGTON had 406 MLS listings, a difference of 51 listings (14%) versus the prior month and 163 listings (67%) versus the prior year.
BLOOMINGTON's median listing price comes in at 0% of the national average.
BLOOMINGTON's average listing price for 2025-03-01 was $446,569, a difference of $-63,800 (-12.5%) versus the prior year and $27,917 versus the prior month.
For the 2025-03-01 period, BLOOMINGTON had 406 MLS listings, a difference of 51 listings (14%) versus the prior month and 163 listings (67%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - BLOOMINGTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 75 days | 1,958 sqft |
| 2018-02-01 | 70 days | 2,021 sqft |
| 2018-03-01 | 55 days | 2,104 sqft |
| 2018-04-01 | 47 days | 2,088 sqft |
| 2018-05-01 | 49 days | 2,073 sqft |
| 2018-06-01 | 50 days | 2,113 sqft |
| 2018-07-01 | 52 days | 2,138 sqft |
| 2018-08-01 | 57 days | 2,078 sqft |
| 2018-09-01 | 65 days | 2,034 sqft |
| 2018-10-01 | 65 days | 2,045 sqft |
| 2018-11-01 | 70 days | 2,041 sqft |
| 2018-12-01 | 78 days | 2,032 sqft |
| 2019-01-01 | 84 days | 2,016 sqft |
| 2019-02-01 | 68 days | 2,016 sqft |
| 2019-03-01 | 57 days | 2,105 sqft |
| 2019-04-01 | 51 days | 2,210 sqft |
| 2019-05-01 | 47 days | 2,121 sqft |
| 2019-06-01 | 51 days | 2,106 sqft |
| 2019-07-01 | 56 days | 2,095 sqft |
| 2019-08-01 | 58 days | 2,097 sqft |
| 2019-09-01 | 56 days | 2,052 sqft |
| 2019-10-01 | 55 days | 2,023 sqft |
| 2019-11-01 | 64 days | 1,954 sqft |
| 2019-12-01 | 83 days | 1,970 sqft |
| 2020-01-01 | 94 days | 1,893 sqft |
| 2020-02-01 | 43 days | 1,917 sqft |
| 2020-03-01 | 48 days | 2,064 sqft |
| 2020-04-01 | 54 days | 2,025 sqft |
| 2020-05-01 | 66 days | 2,187 sqft |
| 2020-06-01 | 62 days | 2,170 sqft |
| 2020-07-01 | 59 days | 2,190 sqft |
| 2020-08-01 | 66 days | 2,235 sqft |
| 2020-09-01 | 63 days | 2,181 sqft |
| 2020-10-01 | 54 days | 2,061 sqft |
| 2020-11-01 | 61 days | 2,010 sqft |
| 2020-12-01 | 71 days | 1,909 sqft |
| 2021-01-01 | 73 days | 2,010 sqft |
| 2021-02-01 | 66 days | 2,028 sqft |
| 2021-03-01 | 51 days | 1,956 sqft |
| 2021-04-01 | 38 days | 1,909 sqft |
| 2021-05-01 | 37 days | 1,886 sqft |
| 2021-06-01 | 29 days | 1,844 sqft |
| 2021-07-01 | 33 days | 1,880 sqft |
| 2021-08-01 | 39 days | 1,830 sqft |
| 2021-09-01 | 38 days | 1,886 sqft |
| 2021-10-01 | 45 days | 1,918 sqft |
| 2021-11-01 | 55 days | 1,873 sqft |
| 2021-12-01 | 60 days | 1,890 sqft |
| 2022-01-01 | 63 days | 1,900 sqft |
| 2022-02-01 | 46 days | 1,925 sqft |
| 2022-03-01 | 38 days | 1,920 sqft |
| 2022-04-01 | 34 days | 1,940 sqft |
| 2022-05-01 | 31 days | 1,829 sqft |
| 2022-06-01 | 32 days | 1,888 sqft |
| 2022-07-01 | 36 days | 1,840 sqft |
| 2022-08-01 | 44 days | 1,879 sqft |
| 2022-09-01 | 47 days | 1,951 sqft |
| 2022-10-01 | 50 days | 1,924 sqft |
| 2022-11-01 | 60 days | 1,837 sqft |
| 2022-12-01 | 74 days | 1,798 sqft |
| 2023-01-01 | 80 days | 1,787 sqft |
| 2023-02-01 | 43 days | 1,799 sqft |
| 2023-03-01 | 42 days | 1,833 sqft |
| 2023-04-01 | 40 days | 1,902 sqft |
| 2023-05-01 | 38 days | 1,947 sqft |
| 2023-06-01 | 44 days | 2,014 sqft |
| 2023-07-01 | 51 days | 2,097 sqft |
| 2023-08-01 | 54 days | 2,074 sqft |
| 2023-09-01 | 47 days | 2,046 sqft |
| 2023-10-01 | 51 days | 2,050 sqft |
| 2023-11-01 | 59 days | 2,069 sqft |
| 2023-12-01 | 72 days | 2,052 sqft |
| 2024-01-01 | 78 days | 2,052 sqft |
| 2024-02-01 | 56 days | 2,077 sqft |
| 2024-03-01 | 40 days | 2,107 sqft |
| 2024-04-01 | 37 days | 1,995 sqft |
| 2024-05-01 | 36 days | 1,946 sqft |
| 2024-06-01 | 41 days | 1,936 sqft |
| 2024-07-01 | 47 days | 1,913 sqft |
| 2024-08-01 | 56 days | 1,859 sqft |
| 2024-09-01 | 59 days | 1,833 sqft |
| 2024-10-01 | 58 days | 1,822 sqft |
| 2024-11-01 | 66 days | 1,793 sqft |
| 2024-12-01 | 77 days | 1,737 sqft |
| 2025-01-01 | 87 days | 1,774 sqft |
| 2025-02-01 | 73 days | 1,863 sqft |
| 2025-03-01 | 0 days | 1,882 sqft |
BLOOMINGTON's median listing age (time on market) for 2025-03-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
BLOOMINGTON's median square footage for active listings during the 2025-03-01 period was 1,882 sqft. One year prior, the average listing was 2,107 sqft.
BLOOMINGTON's median square footage for active listings during the 2025-03-01 period was 1,882 sqft. One year prior, the average listing was 2,107 sqft.
BLOOMINGTON, IN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,517 | $519,115,000 | $342,198 |
| Cash Out Refi | 576 | $108,980,000 | $189,201 |
| Refi | 320 | $110,550,000 | $345,469 |
| Home Improvement | 263 | $28,115,000 | $106,901 |
| Other | 190 | $18,750,000 | $98,684 |
Bloomington's most frequently cited loan purpose was Home Purchase, with 1,517 originations. The 2nd most popular reason was Cash Out Refi, with 576 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,202 | $402,130,000 | $334,551 |
| 7-8% | 591 | $149,745,000 | $253,376 |
| Over 8% | 502 | $81,500,000 | $162,351 |
| 5-6% | 291 | $80,615,000 | $277,027 |
| <2.5% | 61 | $8,765,000 | $143,689 |
| 3-4% | 22 | $2,220,000 | $100,909 |
| 4-5% | 19 | $4,685,000 | $246,579 |
| 2.5-3% | 3 | $1,175,000 | $391,667 |
During 2024, Bloomington's most frequently originated rate bucket was 6-7%, with 1,202 originations.
Loan Sizing (BLOOMINGTON, IN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,058 | $295,110,000 | $278,932 |
| $100k-200k | 762 | $114,900,000 | $150,787 |
| $100,000 or less | 713 | $37,435,000 | $52,504 |
| $400k-600k | 215 | $102,215,000 | $475,419 |
| $600k-1000k | 77 | $54,215,000 | $704,091 |
| $Over $1MM | 41 | $181,635,000 | $4,430,122 |
BLOOMINGTON's loan sizing saw the bucket of loans from $200k-400k with 1,058 originations, totaling $295,110,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 896 | $270,170,000 | $301,529 |
| 60-80% | 633 | $278,675,000 | $440,245 |
| Under 20% | 423 | $22,675,000 | $53,605 |
| 20-40% | 396 | $46,940,000 | $118,535 |
| 40-60% | 289 | $98,225,000 | $339,879 |
| Over 100% | 19 | $6,715,000 | $353,421 |
BLOOMINGTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 896 originations, totaling $270,170,000 in origination value.