MUNCIE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Muncie averaged
7.35%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7.1% and
one month ago for the week of 2025-04-17, the
average rate was 7.02%.
Muncie's average rate one year ago was 7.41%.
For refis of the same type during the week of 2025-05-22, the average rate
was 8.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Muncie 30 Year Fixed Rate | 2025-05-22 | 7.35% |
| Muncie 30 Year Fixed Rate Refi | 2025-05-22 | 8.08% |
| Muncie 15 Year Fixed Rate | 2025-05-22 | 6.11% |
| Muncie 15 Year Fixed Rate Refi | 2025-05-22 | 6.01% |
| Muncie 30 Year FHA | 2025-05-22 | 6.78% |
| Muncie 30 Year FHA Refi | 2025-05-22 | 6.41% |
| Muncie 30 Year USDA | 2025-05-22 | 6.53% |
| Muncie 30 Year USDA Refi | 2025-05-22 | 6.23% |
| Muncie 30 Year VA | 2025-05-22 | 7.08% |
| Muncie 30 Year VA Refi | 2025-05-22 | 6.52% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MUNCIE, IN.
MUNCIE 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 MUNCIE, 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.).
MUNCIE Average Closing Costs & Other Stats
MUNCIE, IN's 121 lenders originated 2,437
loans during 2024. The total origination value was $331,815,000, with an average loan value of
$136,157.
MUNCIE's average closing costs are $3,590.
The top MUNCIE lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with
171 loans originated. Their average total fees are
$2,736, which is $192
lower than the next largest lender,
First Merchants Bank.
The lowest fee MUNCIE lenders (with over 10 loans originated) are
JPMorgan Chase Bank ($2,423), Old National Bank ($2,639), NEWREZ LLC ($2,711), RUOFF MORTGAGE COMPANY, INC. ($2,736) and Northwest Bank ($2,891).
The lowest rate MUNCIE lenders (with over 10 loans originated) are
Old National Bank (6.54%), Northwest Bank (6.77%), JPMorgan Chase Bank (6.83%), First Merchants Bank (6.83%) and UNION HOME MORTGAGE CORP. (6.83%).
MUNCIE, 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 |
|---|---|---|---|---|
| RUOFF MORTGAGE COMPANY, INC. | $32,660,000 | $46,830,000 | 43.4% | 14.1% |
| First Merchants Bank | $33,205,000 | $32,395,000 | -2.4% | 9.8% |
| QUICKEN LOANS, LLC | $13,700,000 | $17,915,000 | 30.8% | 5.4% |
| GVC MORTGAGE, INC. | $12,635,000 | $14,740,000 | 16.7% | 4.4% |
| Old National Bank | $9,650,000 | $13,435,000 | 39.2% | 4.0% |
| NEWREZ LLC | $12,780,000 | $10,670,000 | -16.5% | 3.2% |
| UNION HOME MORTGAGE CORP. | $3,005,000 | $10,230,000 | 240.4% | 3.1% |
| Northwest Bank | $12,825,000 | $9,395,000 | -26.7% | 2.8% |
| Mortgage Research Center, LLC | $5,030,000 | $8,345,000 | 65.9% | 2.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,490,000 | $8,180,000 | 228.5% | 2.5% |
| STAR Financial Bank | $8,850,000 | $6,900,000 | -22.0% | 2.1% |
| JPMorgan Chase Bank | $4,580,000 | $5,885,000 | 28.5% | 1.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,125,000 | $4,825,000 | 54.4% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $1,980,000 | $4,790,000 | 141.9% | 1.4% |
| Three Rivers Federal Credit Union | $975,000 | $4,405,000 | 351.8% | 1.3% |
| BROKER SOLUTIONS, INC. | $2,610,000 | $4,365,000 | 67.2% | 1.3% |
| Merchants Bank of Indiana | $18,110,000 | $4,325,000 | -76.1% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,235,000 | $4,285,000 | 32.5% | 1.3% |
| Thrive FCU | $2,795,000 | $4,060,000 | 45.3% | 1.2% |
| First Financial Bank | $375,000 | $3,750,000 | 900.0% | 1.1% |
| FORUM Credit Union | $1,535,000 | $3,020,000 | 96.7% | 0.9% |
| MJW Financial LLC | $3,025,000 | $2,985,000 | -1.3% | 0.9% |
| CRANE | $1,525,000 | $2,875,000 | 88.5% | 0.9% |
| CALCON MUTUAL MORTGAGE LLC | $2,865,000 | n/a | 0.9% | |
| USAA Federal Savings Bank | $245,000 | $2,845,000 | 1,061.2% | 0.9% |
| Cedar Rapids Bank and Trust Company | $2,795,000 | n/a | 0.8% | |
| AMERICAN HERITAGE LENDING, INC. | $2,695,000 | n/a | 0.8% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $745,000 | $2,675,000 | 259.1% | 0.8% |
| INDIANA MEMBERS CREDIT UNION | $1,960,000 | $2,470,000 | 26.0% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $785,000 | $2,200,000 | 180.3% | 0.7% |
| MEMBER FIRST MORTGAGE, LLC | $205,000 | $2,140,000 | 943.9% | 0.6% |
| FINANCIAL CENTER FIRST CREDIT UNION | $2,665,000 | $2,125,000 | -20.3% | 0.6% |
| PrimeTrust Financial Federal Credit Union | $2,620,000 | $2,100,000 | -19.8% | 0.6% |
| The Farmers & Merchants State Bank | $3,935,000 | $2,100,000 | -46.6% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $1,550,000 | $1,910,000 | 23.2% | 0.6% |
| The Huntington National Bank | $5,340,000 | $1,860,000 | -65.2% | 0.6% |
| HOMESIDE FINANCIAL, LLC | $95,000 | $1,695,000 | 1,684.2% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $2,185,000 | $1,615,000 | -26.1% | 0.5% |
| PNC Bank | $1,310,000 | $1,585,000 | 21.0% | 0.5% |
| Wells Fargo Bank | $840,000 | $1,455,000 | 73.2% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $1,325,000 | $1,445,000 | 9.1% | 0.4% |
| Fifth Third Bank | $1,200,000 | $1,435,000 | 19.6% | 0.4% |
| Union Savings And Loan Association | $1,350,000 | n/a | 0.4% | |
| LOANDEPOT.COM, LLC | $920,000 | $1,340,000 | 45.7% | 0.4% |
| NEW DAY FINANCIAL, LLC | $745,000 | $1,210,000 | 62.4% | 0.4% |
| GUARANTEED RATE, INC. | $220,000 | $1,160,000 | 427.3% | 0.3% |
| Farm Credit Mid-America, ACA | $680,000 | $1,145,000 | 68.4% | 0.3% |
| Citizens State Bank of New Castle | $865,000 | $1,090,000 | 26.0% | 0.3% |
| Carrington Mortgage Services, LLC | $1,470,000 | $1,050,000 | -28.6% | 0.3% |
| Discover Bank | $585,000 | $1,040,000 | 77.8% | 0.3% |
| Union Savings Bank | $1,545,000 | $1,020,000 | -34.0% | 0.3% |
| ASSEMBLIES OF GOD Credit Union | $980,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $600,000 | $965,000 | 60.8% | 0.3% |
| MILESTONE HOME LENDING, LLC | $1,050,000 | $960,000 | -8.6% | 0.3% |
| Madison County Federal Credit Union | $390,000 | $900,000 | 130.8% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $460,000 | $885,000 | 92.4% | 0.3% |
| Crossroads Bank | $2,540,000 | $885,000 | -65.2% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $885,000 | n/a | 0.3% | |
| HALLMARK HOME MORTGAGE, LLC | $1,320,000 | $865,000 | -34.5% | 0.3% |
| Ixonia Bank | $825,000 | n/a | 0.2% | |
| Prosperity Home Mortgage, LLC | $1,205,000 | $815,000 | -32.4% | 0.2% |
| ZILLOW HOME LOANS, LLC | $1,110,000 | $800,000 | -27.9% | 0.2% |
| First Bank Richmond | $735,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $2,145,000 | $685,000 | -68.1% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $2,405,000 | $680,000 | -71.7% | 0.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $660,000 | n/a | 0.2% | |
| Figure Lending LLC | $245,000 | $650,000 | 165.3% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $670,000 | $650,000 | -3.0% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $245,000 | $645,000 | 163.3% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $545,000 | $605,000 | 11.0% | 0.2% |
| INDIANA UNIVERSITY CREDIT UNION | $695,000 | $605,000 | -12.9% | 0.2% |
| U.S. Bank | $820,000 | $600,000 | -26.8% | 0.2% |
| TEACHERS CREDIT UNION | $485,000 | $585,000 | 20.6% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $165,000 | $575,000 | 248.5% | 0.2% |
| Servion, Inc. | $545,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $225,000 | $540,000 | 140.0% | 0.2% |
| GUILD MORTGAGE COMPANY | $115,000 | $535,000 | 365.2% | 0.2% |
| DAS Acquisition Company, LLC | $530,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $525,000 | n/a | 0.2% | |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $510,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $935,000 | $510,000 | -45.5% | 0.2% |
| Home Mortgage Alliance Corp | $505,000 | n/a | 0.2% | |
| Farmers Bank & Trust | $495,000 | n/a | 0.1% | |
| First Option Mortgage, LLC | $485,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $485,000 | n/a | 0.1% | |
| First Bank of Berne | $2,255,000 | $480,000 | -78.7% | 0.1% |
| Flagstar Bank, FSB | $385,000 | $470,000 | 22.1% | 0.1% |
| Regions Bank | $600,000 | $450,000 | -25.0% | 0.1% |
| LOANPAL, LLC | $520,000 | $440,000 | -15.4% | 0.1% |
| BETTER MORTGAGE CORPORATION | $780,000 | $435,000 | -44.2% | 0.1% |
| NBKC BANK | $520,000 | $435,000 | -16.3% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $415,000 | n/a | 0.1% | |
| Elements Financial Federal Credit Union | $710,000 | $405,000 | -43.0% | 0.1% |
| Northpointe Bank | $415,000 | $395,000 | -4.8% | 0.1% |
| PHH Mortgage Corporation | $195,000 | $395,000 | 102.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $290,000 | $390,000 | 34.5% | 0.1% |
| The Federal Savings Bank | $185,000 | $385,000 | 108.1% | 0.1% |
| V.I.P. MORTGAGE, INC. | $385,000 | $385,000 | 0.0% | 0.1% |
| KeyBank | $900,000 | $380,000 | -57.8% | 0.1% |
| MYCUMORTGAGE, LLC | $475,000 | $380,000 | -20.0% | 0.1% |
| The State Bank and Trust Company | $320,000 | $380,000 | 18.8% | 0.1% |
| OPEN MORTGAGE, LLC | $1,880,000 | $370,000 | -80.3% | 0.1% |
| The Farmers State Bank | $205,000 | $370,000 | 80.5% | 0.1% |
| 21ST MORTGAGE CORPORATION | $830,000 | $365,000 | -56.0% | 0.1% |
| CARDINAL FINANCIAL | $250,000 | $365,000 | 46.0% | 0.1% |
| CMG MORTGAGE, INC. | $360,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $355,000 | n/a | 0.1% | |
| Peoples Bank | $105,000 | $355,000 | 238.1% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $345,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $275,000 | $345,000 | 25.5% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $105,000 | $340,000 | 223.8% | 0.1% |
| AMWEST FUNDING CORP. | $335,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $430,000 | $330,000 | -23.3% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $335,000 | $330,000 | -1.5% | 0.1% |
| Equity Prime Mortgage LLC | $155,000 | $320,000 | 106.5% | 0.1% |
| THE MORTGAGE LINK, INC. | $310,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $180,000 | $305,000 | 69.4% | 0.1% |
| TOWNE MORTGAGE COMPANY | $305,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $185,000 | $285,000 | 54.1% | 0.1% |
| Community First Bank of Indiana | $285,000 | n/a | 0.1% | |
| Fire Police City County Federal Credit Union | $285,000 | n/a | 0.1% | |
| American Mortgage Bank, LLC | $280,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $270,000 | n/a | 0.1% | |
| First Financial Bank | $375,000 | $270,000 | -28.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $360,000 | $270,000 | -25.0% | 0.1% |
| Bank of America | $380,000 | $255,000 | -32.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $415,000 | $245,000 | -41.0% | 0.1% |
| Raymond James Bank | $245,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $135,000 | $240,000 | 77.8% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $240,000 | n/a | 0.1% | |
| Warsaw Federal Savings and Loan Association | $255,000 | $240,000 | -5.9% | 0.1% |
| Wolfe Financial, Inc | $195,000 | $240,000 | 23.1% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $235,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $230,000 | n/a | 0.1% | |
| FORT FINANCIAL Federal Credit Union | $2,395,000 | $225,000 | -90.6% | 0.1% |
| LOANFLIGHT LENDING, LLC | $225,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $225,000 | n/a | 0.1% | |
| WRIGHT-PATT CREDIT UNION, INC. | $225,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $220,000 | $220,000 | 0.0% | 0.1% |
| Bath State Bank | $215,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $1,025,000 | $215,000 | -79.0% | 0.1% |
| Hometown Equity Mortgage, LLC | $215,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $205,000 | $215,000 | 4.9% | 0.1% |
| A&D Mortgage LLC | $105,000 | $210,000 | 100.0% | 0.1% |
| First Farmers Bank and Trust Company | $805,000 | $205,000 | -74.5% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $205,000 | n/a | 0.1% | |
| MORTGAGE MASTERS OF INDIANA, INC. | $205,000 | n/a | 0.1% | |
| Toyota Financial Savings Bank | $205,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $105,000 | $200,000 | 90.5% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $105,000 | $195,000 | 85.7% | 0.1% |
| Gateway First Bank | $180,000 | n/a | 0.1% | |
| Plains Commerce Bank | $230,000 | $180,000 | -21.7% | 0.1% |
| Centra Credit Union | $175,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $95,000 | $175,000 | 84.2% | 0.1% |
| Goldwater Bank, N.A. | $175,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $185,000 | $175,000 | -5.4% | 0.1% |
| NFM, INC. | $200,000 | $170,000 | -15.0% | 0.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $470,000 | $165,000 | -64.9% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $155,000 | n/a | 0.0% | |
| Bank of England | $405,000 | $145,000 | -64.2% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $115,000 | $145,000 | 26.1% | 0.0% |
| First Federal Savings Bank | $145,000 | n/a | 0.0% | |
| Greenville National Bank | $35,000 | $145,000 | 314.3% | 0.0% |
| Horizon Bank | $165,000 | $145,000 | -12.1% | 0.0% |
| EVERETT FINANCIAL, INC. | $100,000 | $140,000 | 40.0% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $155,000 | $135,000 | -12.9% | 0.0% |
| First Federal Savings Bank | $135,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $95,000 | $125,000 | 31.6% | 0.0% |
| Stifel Bank and Trust | $315,000 | $125,000 | -60.3% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | $120,000 | 118.2% | 0.0% |
| T2 FINANCIAL LLC | $115,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
| First National Bank of America | $55,000 | $105,000 | 90.9% | 0.0% |
| GSF Mortgage Corporation | $105,000 | n/a | 0.0% | |
| INTERRA CREDIT UNION | $105,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $675,000 | $95,000 | -85.9% | 0.0% |
| The Fountain Trust Company | $70,000 | $90,000 | 28.6% | 0.0% |
| Kentland Bank | $85,000 | n/a | 0.0% | |
| The North Salem State Bank | $85,000 | n/a | 0.0% | |
| 1st Source Bank | $75,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $75,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $435,000 | $75,000 | -82.8% | 0.0% |
| Magnolia Bank | $75,000 | n/a | 0.0% | |
| MIDWEST AMERICA | $240,000 | $75,000 | -68.8% | 0.0% |
| Citizens Bank | $65,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $55,000 | $55,000 | 0.0% | 0.0% |
| BMO Harris Bank | $45,000 | $55,000 | 22.2% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $115,000 | $55,000 | -52.2% | 0.0% |
| ML Mortgage Corp. | $55,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $625,000 | $55,000 | -91.2% | 0.0% |
| ProFed Federal Credit Union | $190,000 | $55,000 | -71.1% | 0.0% |
| Greenfield Banking Company | $75,000 | $45,000 | -40.0% | 0.0% |
| Centier Bank | $155,000 | $35,000 | -77.4% | 0.0% |
| Secured Investment Corp. | $35,000 | n/a | 0.0% |
MUNCIE's top lender by overall market share is RUOFF MORTGAGE COMPANY, INC., with 14.1% market share. In second place, with 9.8%, is First Merchants Bank, having originated $32,395,000 in loans. In third place, with 5.4%, is QUICKEN LOANS, LLC, having originated $17,915,000 in loans. In fourth place, with 4.4%, is GVC MORTGAGE, INC., having originated $14,740,000 in loans. In fifth place, with 4.0%, is Old National Bank, having originated $13,435,000 in loans.
MUNCIE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - MUNCIE (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 | $74,900 (1.0%) | $112,806 (-1.1%) | 0.00 | 363 |
| 2018-02-01 | $74,900 (7.2%) | $117,880 (1.5%) | 0.00 | 348 |
| 2018-03-01 | $74,900 (4.7%) | $126,601 (8.0%) | 0.00 | 330 |
| 2018-04-01 | $77,444 (6.2%) | $142,299 (22.0%) | 0.00 | 313 |
| 2018-05-01 | $89,925 (23.3%) | $146,861 (23.3%) | 0.00 | 346 |
| 2018-06-01 | $88,194 (11.7%) | $143,176 (12.7%) | 0.00 | 369 |
| 2018-07-01 | $89,900 (11.1%) | $141,504 (8.4%) | 0.00 | 387 |
| 2018-08-01 | $87,322 (4.5%) | $142,802 (-1.8%) | 0.00 | 405 |
| 2018-09-01 | $85,000 (-0.5%) | $138,709 (-12.3%) | 0.00 | 435 |
| 2018-10-01 | $87,925 (4.6%) | $140,051 (-11.2%) | 0.00 | 416 |
| 2018-11-01 | $85,175 (5.7%) | $140,101 (-11.1%) | 0.00 | 405 |
| 2018-12-01 | $79,900 (6.7%) | $136,042 (13.8%) | 0.00 | 387 |
| 2019-01-01 | $79,900 (6.7%) | $133,094 (18.0%) | 0.00 | 368 |
| 2019-02-01 | $79,900 (6.7%) | $127,795 (8.4%) | 0.00 | 352 |
| 2019-03-01 | $82,686 (10.4%) | $134,346 (6.1%) | 0.00 | 345 |
| 2019-04-01 | $87,150 (12.5%) | $142,940 (0.5%) | 0.00 | 345 |
| 2019-05-01 | $98,675 (9.7%) | $149,283 (1.7%) | 0.00 | 343 |
| 2019-06-01 | $105,000 (19.1%) | $153,534 (7.2%) | 0.00 | 350 |
| 2019-07-01 | $107,400 (19.5%) | $163,182 (15.3%) | 0.00 | 355 |
| 2019-08-01 | $118,536 (35.8%) | $162,873 (14.1%) | 0.00 | 371 |
| 2019-09-01 | $116,491 (37.1%) | $158,220 (14.1%) | 0.00 | 379 |
| 2019-10-01 | $113,450 (29.0%) | $152,810 (9.1%) | 0.00 | 378 |
| 2019-11-01 | $109,900 (29.0%) | $144,891 (3.4%) | 0.00 | 375 |
| 2019-12-01 | $99,900 (25.0%) | $140,825 (3.5%) | 0.00 | 336 |
| 2020-01-01 | $100,723 (26.1%) | $141,730 (6.5%) | 0.00 | 302 |
| 2020-02-01 | $94,400 (18.2%) | $140,808 (10.2%) | 0.00 | 267 |
| 2020-03-01 | $90,438 (9.4%) | $140,663 (4.7%) | 0.00 | 246 |
| 2020-04-01 | $81,400 (-6.6%) | $137,777 (-3.6%) | 0.00 | 237 |
| 2020-05-01 | $88,000 (-10.8%) | $159,458 (6.8%) | 0.00 | 193 |
| 2020-06-01 | $81,175 (-22.7%) | $159,972 (4.2%) | 0.00 | 161 |
| 2020-07-01 | $111,425 (3.8%) | $178,876 (9.6%) | 0.00 | 146 |
| 2020-08-01 | $110,000 (-7.2%) | $175,809 (7.9%) | 0.00 | 158 |
| 2020-09-01 | $112,400 (-3.5%) | $166,349 (5.1%) | 0.00 | 200 |
| 2020-10-01 | $103,900 (-8.4%) | $157,104 (2.8%) | 0.00 | 236 |
| 2020-11-01 | $95,525 (-13.1%) | $153,051 (5.6%) | 0.00 | 237 |
| 2020-12-01 | $78,838 (-21.1%) | $140,566 (-0.2%) | 0.00 | 205 |
| 2021-01-01 | $68,950 (-31.5%) | $136,035 (-4.0%) | 0.00 | 187 |
| 2021-02-01 | $63,900 (-32.3%) | $139,396 (-1.0%) | 0.00 | 139 |
| 2021-03-01 | $59,900 (-33.8%) | $137,791 (-2.0%) | 0.00 | 115 |
| 2021-04-01 | $63,475 (-22.0%) | $127,887 (-7.2%) | 0.00 | 108 |
| 2021-05-01 | $67,000 (-23.9%) | $132,118 (-17.2%) | 0.00 | 116 |
| 2021-06-01 | $89,150 (9.8%) | $158,170 (-1.1%) | 0.00 | 134 |
| 2021-07-01 | $115,900 (4.0%) | $173,918 (-2.8%) | 0.00 | 169 |
| 2021-08-01 | $122,450 (11.3%) | $172,663 (-1.8%) | 0.00 | 168 |
| 2021-09-01 | $124,900 (11.1%) | $166,224 (-0.1%) | 0.00 | 170 |
| 2021-10-01 | $119,900 (15.4%) | $154,827 (-1.5%) | 0.00 | 162 |
| 2021-11-01 | $123,700 (29.5%) | $153,934 (0.6%) | 0.00 | 144 |
| 2021-12-01 | $129,900 (64.8%) | $163,246 (16.1%) | 0.00 | 135 |
| 2022-01-01 | $132,900 (92.8%) | $153,079 (12.5%) | 0.00 | 115 |
| 2022-02-01 | $107,500 (68.2%) | $145,211 (4.2%) | 0.00 | 74 |
| 2022-03-01 | $119,450 (99.4%) | $161,852 (17.5%) | 0.00 | 82 |
| 2022-04-01 | $111,250 (75.3%) | $163,836 (28.1%) | 0.00 | 91 |
| 2022-05-01 | $131,250 (95.9%) | $180,972 (37.0%) | 0.00 | 108 |
| 2022-06-01 | $128,900 (44.6%) | $192,920 (22.0%) | 0.00 | 133 |
| 2022-07-01 | $130,000 (12.2%) | $202,990 (16.7%) | 0.00 | 148 |
| 2022-08-01 | $135,000 (10.3%) | $198,691 (15.1%) | 0.00 | 156 |
| 2022-09-01 | $134,975 (8.1%) | $188,366 (13.3%) | 0.00 | 169 |
| 2022-10-01 | $164,900 (37.5%) | $191,702 (23.8%) | 0.00 | 181 |
| 2022-11-01 | $172,425 (39.4%) | $196,495 (27.7%) | 0.00 | 185 |
| 2022-12-01 | $170,000 (30.9%) | $196,398 (20.3%) | 0.00 | 151 |
| 2023-01-01 | $167,400 (26.0%) | $188,741 (23.3%) | 0.00 | 122 |
| 2023-02-01 | $149,500 (39.1%) | $191,549 (31.9%) | 0.00 | 103 |
| 2023-03-01 | $139,975 (17.2%) | $196,106 (21.2%) | 0.00 | 89 |
| 2023-04-01 | $134,950 (21.3%) | $196,927 (20.2%) | 0.00 | 91 |
| 2023-05-01 | $125,950 (-4.0%) | $192,490 (6.4%) | 0.00 | 94 |
| 2023-06-01 | $128,675 (-0.2%) | $194,018 (0.6%) | 0.00 | 111 |
| 2023-07-01 | $134,900 (3.8%) | $186,569 (-8.1%) | 0.00 | 138 |
| 2023-08-01 | $152,500 (13.0%) | $200,226 (0.8%) | 0.00 | 151 |
| 2023-09-01 | $154,950 (14.8%) | $189,193 (0.4%) | 0.00 | 171 |
| 2023-10-01 | $152,450 (-7.6%) | $187,034 (-2.4%) | 0.00 | 182 |
| 2023-11-01 | $158,975 (-7.8%) | $188,300 (-4.2%) | 0.00 | 201 |
| 2023-12-01 | $152,450 (-10.3%) | $189,758 (-3.4%) | 0.00 | 218 |
| 2024-01-01 | $163,450 (-2.4%) | $199,008 (5.4%) | 0.00 | 200 |
| 2024-02-01 | $161,200 (7.8%) | $195,946 (2.3%) | 0.00 | 185 |
| 2024-03-01 | $163,450 (16.8%) | $193,472 (-1.3%) | 0.00 | 168 |
| 2024-04-01 | $148,550 (10.1%) | $187,516 (-4.8%) | 0.00 | 151 |
| 2024-05-01 | $154,075 (22.3%) | $196,427 (2.1%) | 0.00 | 141 |
| 2024-06-01 | $169,900 (32.0%) | $207,731 (7.1%) | 0.00 | 150 |
| 2024-07-01 | $180,700 (34.0%) | $224,673 (20.4%) | 0.00 | 165 |
| 2024-08-01 | $177,000 (16.1%) | $230,829 (15.3%) | 0.00 | 174 |
| 2024-09-01 | $184,900 (19.3%) | $237,498 (25.5%) | 0.00 | 185 |
| 2024-10-01 | $160,375 (5.2%) | $207,655 (11.0%) | 0.00 | 217 |
| 2024-11-01 | $163,950 (3.1%) | $206,413 (9.6%) | 0.00 | 222 |
| 2024-12-01 | $169,900 (11.5%) | $215,869 (13.8%) | 0.00 | 206 |
| 2025-01-01 | $152,925 (-6.4%) | $211,934 (6.5%) | 0.00 | 195 |
| 2025-02-01 | $159,950 (-0.8%) | $218,431 (11.5%) | 0.00 | 174 |
| 2025-03-01 | $155,000 (-5.2%) | $222,604 (15.1%) | 0.00 | 169 |
| 2025-04-01 | $157,450 (6.0%) | $214,006 (14.1%) | 0.00 | 174 |
MUNCIE's median listing price for 2025-04-01 was $157,450, a difference of
$8,900
(6.0%) versus the prior year and
$2,450 versus the prior month.
MUNCIE's median listing price comes in at 0% of the national average.
MUNCIE's average listing price for 2025-04-01 was $214,006, a difference of $26,490 (14.1%) versus the prior year and $-8,598 versus the prior month.
For the 2025-04-01 period, MUNCIE had 174 MLS listings, a difference of 5 listings (3%) versus the prior month and 23 listings (15%) versus the prior year.
MUNCIE's median listing price comes in at 0% of the national average.
MUNCIE's average listing price for 2025-04-01 was $214,006, a difference of $26,490 (14.1%) versus the prior year and $-8,598 versus the prior month.
For the 2025-04-01 period, MUNCIE had 174 MLS listings, a difference of 5 listings (3%) versus the prior month and 23 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - MUNCIE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,522 sqft |
| 2018-02-01 | 0 days | 1,525 sqft |
| 2018-03-01 | 0 days | 1,537 sqft |
| 2018-04-01 | 0 days | 1,580 sqft |
| 2018-05-01 | 0 days | 1,735 sqft |
| 2018-06-01 | 0 days | 1,735 sqft |
| 2018-07-01 | 0 days | 1,722 sqft |
| 2018-08-01 | 0 days | 1,665 sqft |
| 2018-09-01 | 0 days | 1,609 sqft |
| 2018-10-01 | 0 days | 1,612 sqft |
| 2018-11-01 | 0 days | 1,612 sqft |
| 2018-12-01 | 0 days | 1,617 sqft |
| 2019-01-01 | 0 days | 1,527 sqft |
| 2019-02-01 | 0 days | 1,497 sqft |
| 2019-03-01 | 0 days | 1,492 sqft |
| 2019-04-01 | 0 days | 1,527 sqft |
| 2019-05-01 | 0 days | 1,547 sqft |
| 2019-06-01 | 0 days | 1,579 sqft |
| 2019-07-01 | 0 days | 1,611 sqft |
| 2019-08-01 | 0 days | 1,623 sqft |
| 2019-09-01 | 0 days | 1,616 sqft |
| 2019-10-01 | 0 days | 1,610 sqft |
| 2019-11-01 | 0 days | 1,599 sqft |
| 2019-12-01 | 0 days | 1,588 sqft |
| 2020-01-01 | 0 days | 1,569 sqft |
| 2020-02-01 | 0 days | 1,560 sqft |
| 2020-03-01 | 0 days | 1,487 sqft |
| 2020-04-01 | 0 days | 1,458 sqft |
| 2020-05-01 | 0 days | 1,464 sqft |
| 2020-06-01 | 0 days | 1,464 sqft |
| 2020-07-01 | 0 days | 1,584 sqft |
| 2020-08-01 | 0 days | 1,658 sqft |
| 2020-09-01 | 0 days | 1,617 sqft |
| 2020-10-01 | 0 days | 1,567 sqft |
| 2020-11-01 | 0 days | 1,503 sqft |
| 2020-12-01 | 0 days | 1,465 sqft |
| 2021-01-01 | 0 days | 1,407 sqft |
| 2021-02-01 | 0 days | 1,400 sqft |
| 2021-03-01 | 0 days | 1,298 sqft |
| 2021-04-01 | 0 days | 1,357 sqft |
| 2021-05-01 | 0 days | 1,393 sqft |
| 2021-06-01 | 0 days | 1,551 sqft |
| 2021-07-01 | 0 days | 1,632 sqft |
| 2021-08-01 | 0 days | 1,602 sqft |
| 2021-09-01 | 0 days | 1,604 sqft |
| 2021-10-01 | 0 days | 1,594 sqft |
| 2021-11-01 | 0 days | 1,581 sqft |
| 2021-12-01 | 0 days | 1,538 sqft |
| 2022-01-01 | 0 days | 1,584 sqft |
| 2022-02-01 | 0 days | 1,576 sqft |
| 2022-03-01 | 0 days | 1,603 sqft |
| 2022-04-01 | 0 days | 1,694 sqft |
| 2022-05-01 | 0 days | 1,769 sqft |
| 2022-06-01 | 0 days | 1,721 sqft |
| 2022-07-01 | 0 days | 1,703 sqft |
| 2022-08-01 | 0 days | 1,796 sqft |
| 2022-09-01 | 0 days | 1,751 sqft |
| 2022-10-01 | 0 days | 1,728 sqft |
| 2022-11-01 | 0 days | 1,769 sqft |
| 2022-12-01 | 0 days | 1,684 sqft |
| 2023-01-01 | 0 days | 1,609 sqft |
| 2023-02-01 | 0 days | 1,642 sqft |
| 2023-03-01 | 0 days | 1,609 sqft |
| 2023-04-01 | 0 days | 1,728 sqft |
| 2023-05-01 | 0 days | 1,588 sqft |
| 2023-06-01 | 0 days | 1,658 sqft |
| 2023-07-01 | 0 days | 1,580 sqft |
| 2023-08-01 | 0 days | 1,793 sqft |
| 2023-09-01 | 0 days | 1,758 sqft |
| 2023-10-01 | 0 days | 1,798 sqft |
| 2023-11-01 | 0 days | 1,742 sqft |
| 2023-12-01 | 0 days | 1,741 sqft |
| 2024-01-01 | 0 days | 1,802 sqft |
| 2024-02-01 | 0 days | 1,750 sqft |
| 2024-03-01 | 0 days | 1,695 sqft |
| 2024-04-01 | 0 days | 1,636 sqft |
| 2024-05-01 | 0 days | 1,709 sqft |
| 2024-06-01 | 0 days | 1,686 sqft |
| 2024-07-01 | 0 days | 1,780 sqft |
| 2024-08-01 | 0 days | 1,711 sqft |
| 2024-09-01 | 0 days | 1,720 sqft |
| 2024-10-01 | 0 days | 1,638 sqft |
| 2024-11-01 | 0 days | 1,600 sqft |
| 2024-12-01 | 0 days | 1,569 sqft |
| 2025-01-01 | 0 days | 1,537 sqft |
| 2025-02-01 | 0 days | 1,640 sqft |
| 2025-03-01 | 0 days | 1,630 sqft |
| 2025-04-01 | 0 days | 1,604 sqft |
MUNCIE's median listing age (time on market) for 2025-04-01 was 0 days.
MUNCIE's median square footage for active listings during the 2025-04-01 period was 1,604 sqft. One year prior, the average listing was 1,636 sqft.
MUNCIE's median square footage for active listings during the 2025-04-01 period was 1,604 sqft. One year prior, the average listing was 1,636 sqft.
MUNCIE, IN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,326 | $214,840,000 | $162,021 |
| Cash Out Refi | 400 | $47,020,000 | $117,550 |
| Refi | 281 | $38,395,000 | $136,637 |
| Other | 226 | $16,370,000 | $72,434 |
| Home Improvement | 199 | $14,735,000 | $74,045 |
| NA | 5 | $455,000 | $91,000 |
Muncie's most frequently cited loan purpose was Home Purchase, with 1,326 originations. The 2nd most popular reason was Cash Out Refi, with 400 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 942 | $153,790,000 | $163,259 |
| 7-8% | 820 | $103,090,000 | $125,720 |
| Over 8% | 435 | $35,695,000 | $82,057 |
| 5-6% | 159 | $26,985,000 | $169,717 |
| <2.5% | 26 | $260,000 | $10,000 |
| 3-4% | 13 | $1,125,000 | $86,538 |
| 4-5% | 9 | $2,615,000 | $290,556 |
| 2.5-3% | 4 | $460,000 | $115,000 |
During 2024, Muncie's most frequently originated rate bucket was 6-7%, with 942 originations.
Loan Sizing (MUNCIE, IN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,109 | $61,835,000 | $55,757 |
| $100k-200k | 874 | $124,940,000 | $142,952 |
| $200k-400k | 390 | $102,870,000 | $263,769 |
| $400k-600k | 42 | $19,750,000 | $470,238 |
| $600k-1000k | 16 | $11,880,000 | $742,500 |
| $Over $1MM | 6 | $10,540,000 | $1,756,667 |
MUNCIE's loan sizing saw the bucket of loans from $100,000 or less with 1,109 originations, totaling $61,835,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 981 | $168,475,000 | $171,738 |
| 60-80% | 547 | $81,295,000 | $148,620 |
| 20-40% | 318 | $22,720,000 | $71,447 |
| Under 20% | 242 | $8,940,000 | $36,942 |
| 40-60% | 209 | $26,465,000 | $126,627 |
| Over 100% | 30 | $7,300,000 | $243,333 |
MUNCIE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 981 originations, totaling $168,475,000 in origination value.