TERRE HAUTE Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Terre Haute averaged 5.63% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.68% and one month ago for the week of 2022-04-14, the average rate was 5.48%.

Terre Haute's average rate one year ago was 3.17%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.76%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Terre Haute 30 Year Fixed Rate 2022-05-19 5.63%
Terre Haute 30 Year Fixed Rate Refi 2022-05-19 5.76%
Terre Haute 15 Year Fixed Rate 2022-05-19 5.07%
Terre Haute 15 Year Fixed Rate Refi 2022-05-19 5.03%
Terre Haute 30 Year FHA 2022-05-19 5.88%
Terre Haute 30 Year FHA Refi 2022-05-19 5.4%
Terre Haute 30 Year USDA 2022-05-19 5.8%
Terre Haute 30 Year USDA Refi 2022-05-19 5.18%
Terre Haute 30 Year VA 2022-05-19 5.55%
Terre Haute 30 Year VA Refi 2022-05-19 4.99%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within TERRE HAUTE, IN.

TERRE HAUTE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the TERRE HAUTE, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
RUOFF MORTGAGE COMPANY, INC. 407 3.23% $1,835
First Financial Bank 314 3.63% $2,683
The Riddell National Bank 214 3.12% $2,346
QUICKEN LOANS, LLC 107 3.19% $4,414
Fifth Third Bank 101 3.32% $2,839
Old National Bank 82 3.31% $1,603
First Farmers Bank and Trust Company 46 3.40% $1,940
The Huntington National Bank 28 3.03% $2,511
PRIMELENDING, A PLAINSCAPITAL COMPANY 26 3.50% $2,767
Wells Fargo Bank 23 3.45% $2,510
Regions Bank 22 3.52% $1,647
JPMorgan Chase Bank 19 3.11% $2,945
CRANE 18 3.42% $1,578
ROYAL UNITED MORTGAGE LLC 18 3.44% $4,076
CALIBER HOME LOANS, INC. 16 3.30% $2,748
Farm Credit Mid-America, ACA 16 3.42% $4,852
GVC MORTGAGE, INC. 15 3.38% $3,179
LOANDEPOT.COM, LLC 14 3.30% $4,043
AMERISAVE MORTGAGE CORPORATION 13 2.97% $4,219
Longview Bank & Trust 12 3.03% $3,960
Mr. Cooper ( Nationstar Mortgage ) 11 3.70% $4,042
BETTER MORTGAGE CORPORATION 11 3.07% $2,715
The Fountain Trust Company 10 3.46% $1,668
First Mid Bank & Trust 9 3.65% $1,987
TEACHERS CREDIT UNION 9 3.11% $2,411
First Financial Bank 8 3.48% $3,433
FREEDOM MORTGAGE CORPORATION 8 3.13% $1,870
NEWREZ LLC 8 3.00% $3,024
Wolfe Financial, Inc 7 3.16% $2,899
Northwest Bank 7 3.11% $2,224
EVANSVILLE TEACHERS 7 2.95% $2,171
Carrington Mortgage Services, LLC 6 3.08% $4,024
Blue Ridge Bank 6 3.58% $3,089
FINANCE OF AMERICA MORTGAGE LLC 6 4.35% $4,114
Elements Financial Federal Credit Union 6 3.31% $2,490
NAVY FEDERAL CREDIT UNION 5 3.73% $4,273
UNITED WHOLESALE MORTGAGE, LLC 5 3.09% $2,760
PENNYMAC LOAN SERVICES, LLC 5 3.42% $4,897
Northpointe Bank 5 3.40% $3,014
HOMESIDE FINANCIAL, LLC 4 2.87% $3,168
CROSSCOUNTRY MORTGAGE, LLC 4 3.12% $4,127
MJW Financial LLC 4 3.50% $3,224
Discover Bank 4 5.62% $0
First Merchants Bank 4 3.22% $2,317
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 3.56% $2,308
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 3.09% $3,772
Bank of America 4 2.94% $2,863
GUARANTEED RATE, INC. 4 3.22% $2,967
ENDEAVOR CAPITAL, LLC. 3 3.08% $3,983
ACADEMY MORTGAGE CORPORATION 3 3.42% $3,279
AMERIFIRST FINANCIAL CORPORATION 3 3.04% $2,663
Centier Bank 3 3.00% $3,978
1ST SIGNATURE LENDING, LLC 3 3.21% $4,641
FAIR WAY LENDING LLC 3 3.29% $3,072
HALLMARK HOME MORTGAGE, LLC 3 3.96% $3,078
Home Bank SB 3 3.63% $2,004
INDIANA UNIVERSITY CREDIT UNION 3 3.25% $1,685
Mortgage Research Center, LLC 3 2.71% $3,818
Nations Lending Corporation 3 2.92% $5,908
PNC Bank 3 3.38% $3,353
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.63% $2,855
SOFI LENDING CORP. 3 3.17% $4,072
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.94% $2,846
CHURCHILL MORTGAGE CORPORATION 2 3.50% $3,017
BROKER SOLUTIONS, INC. 2 3.38% $3,472
Republic Bank & Trust Company 2 3.38% $4,336
BMO Harris Bank 2 3.88% $2,417
First Federal Savings Bank 2 2.88% $1,827
MID AMERICA MORTGAGE, INC. 2 3.19% $3,376
LOANPAL, LLC 2 3.56% $4,928
Horizon Bank 2 3.63% $1,848
U.S. Bank 2 3.06% $2,276
UNION HOME MORTGAGE CORP. 2 3.19% $2,724
Union Savings Bank 2 3.00% $764
First Home Bank 2 3.31% $3,500
First Midwest Bank 2 3.19% $2,196
First Option Mortgage, LLC 2 3.56% $3,362
First Savings Bank 2 3.06% $2,303
LEADERONE FINANCIAL CORPORATION 2 3.50% $3,090
HOME POINT FINANCIAL CORPORATION 2 3.06% $1,992
AMERICAN FINANCING CORPORATION 2 3.19% $4,233
The Federal Savings Bank 2 3.25% $6,393
MORTGAGE MASTERS OF INDIANA, INC. 1 2.75% $3,438
Morton Community Bank 1 3.88% $1,861
Crossroads Bank 1 3.00% $1,705
UTILITIES EMPLOYEES CREDIT UNION 1 3.24% $2,729
Credit Union 1 1 2.38% $4,275
COMMONWEALTH 1 2.88% $1,711
CMG MORTGAGE, INC. 1 3.25% $2,801
Citizens Bank 1 3.00% $2,326
OCEANSIDE MORTGAGE COMPANY 1 3.63% $903
CIBM Bank 1 3.25% $2,127
Paramount Residential Mortgage Group, Inc. 1 3.13% $2,995
PENTAGON FEDERAL CREDIT UNION 1 2.88% $1,376
Peoples Bank 1 2.75% $2,280
Petefish, Skiles & Co. 1 3.25% $4,606
PHH Mortgage Corporation 1 3.50% $5,163
Plains Commerce Bank 1 3.88% $2,605
PLANET HOME LENDING, LLC 1 3.38% $1,393
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.38% $2,493
Centra Credit Union 1 3.25% $3,314
CELEBRITY HOME LOANS, LLC 1 4.00% $3,249
Baxter Credit Union 1 3.13% $2,285
Security Federal Savings Bank 1 2.50% $2,316
SIRVA MORTGAGE, INC. 1 2.75% $300
AMERICAN FINANCIAL NETWORK, INC. 1 2.75% $3,669
South State Bank 1 3.25% $2,347
SOUTHWEST FUNDING, LP 1 3.75% $3,396
STEARNS LENDING, LLC 1 4.38% $1,628
Bank of Springfield 1 3.50% $1,162
Bank of England 1 3.38% $7,536
Arvest Bank 1 3.00% $2,739
THE MORTGAGE WAREHOUSE,LLC 1 2.88% $2,430
The Peoples State Bank 1 3.13% $1,974
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $3,560
Three Rivers Federal Credit Union 1 2.88% $2,746
TJC Mortgage, Inc. 1 3.00% $2,685
Triumph Bank 1 2.50% $2,600
Truist Bank 1 3.30% $2,581
TUCKER MORTGAGE, LLC 1 3.13% $2,557
FLAT BRANCH MORTGAGE, INC. 1 3.25% $2,491
First Guaranty Mortgage Corporation 1 3.50% $3,286
Gateway First Bank 1 3.50% $2,572
German American Bank 1 2.63% $2,217
GENEVA FINANCIAL, LLC 1 3.50% $3,335
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $1,442
First Federal Bank of Kansas City 1 3.25% $2,163
AMERICAN MORTGAGE SERVICE COMPANY 1 2.75% $2,170
UNIVERSITY LENDING GROUP, LLC 1 3.38% $2,693
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.00% $10,147
First Federal Bank 1 2.88% $2,125
INDIANA MEMBERS CREDIT UNION 1 3.00% $2,251
USAA Federal Savings Bank 1 3.38% $2,875
InterContinental Capital Group, Inc 1 2.88% $3,523
JLB CORPORATION 1 3.00% $4,134
FIRST COMMUNITY MORTGAGE, INC. 1 3.00% $2,705
KeyBank 1 2.88% $2,885
EVERETT FINANCIAL, INC. 1 3.25% $1,593
LOANFLIGHT LENDING, LLC 1 2.88% $995
EMM LOANS LLC 1 3.25% $6,011
Magnolia Bank 1 3.00% $2,544
Manufacturers and Traders Trust Company 1 4.00% $3,137
Marine Bank 1 2.88% $1,774
DAS Acquisition Company, LLC 1 3.25% $2,223

TERRE HAUTE, IN's 144 lenders originated 5,612 loans during 2021. The total origination value was $780,990,000, with an average loan value of $139,164.

The top TERRE HAUTE lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with 407 loans originated. Their average total fees are $1,835, which is $848 lower than the next largest lender, First Financial Bank.

The lowest fee TERRE HAUTE lenders (with over 10 loans originated) are CRANE ($1,578), Old National Bank ($1,603), Regions Bank ($1,647), The Fountain Trust Company ($1,668) and RUOFF MORTGAGE COMPANY, INC. ($1,835).

The lowest rate TERRE HAUTE lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.97%), The Huntington National Bank (3.03%), Longview Bank & Trust (3.03%), BETTER MORTGAGE CORPORATION (3.07%) and JPMorgan Chase Bank (3.11%).

TERRE HAUTE, IN Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
RUOFF MORTGAGE COMPANY, INC. $118,350,000 $128,575,000 8.6% 16.5%
First Financial Bank $2,035,000 $87,430,000 4,196.3% 11.2%
The Riddell National Bank $88,230,000 $70,250,000 -20.4% 9.0%
QUICKEN LOANS, LLC $42,475,000 $53,870,000 26.8% 6.9%
Terre Haute Savings Bank $57,605,000 $44,845,000 -22.2% 5.7%
Old National Bank $50,795,000 $40,860,000 -19.6% 5.2%
Fifth Third Bank $26,705,000 $33,470,000 25.3% 4.3%
GREENSTATE CREDIT UNION $27,005,000 n/a 3.5%
FREEDOM MORTGAGE CORPORATION $21,205,000 $22,550,000 6.3% 2.9%
Mortgage Research Center, LLC $10,930,000 $16,600,000 51.9% 2.1%
First Merchants Bank $55,000 $15,715,000 28,472.7% 2.0%
First Farmers Bank and Trust Company $16,475,000 $14,580,000 -11.5% 1.9%
The Huntington National Bank $5,440,000 $8,870,000 63.1% 1.1%
CALIBER HOME LOANS, INC. $8,075,000 $7,275,000 -9.9% 0.9%
Wolfe Financial, Inc $5,060,000 $6,750,000 33.4% 0.9%
Prospect Bank $14,335,000 $6,690,000 -53.3% 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $7,310,000 $6,390,000 -12.6% 0.8%
LOANDEPOT.COM, LLC $3,490,000 $6,215,000 78.1% 0.8%
CRANE $3,945,000 $6,160,000 56.1% 0.8%
Wells Fargo Bank $5,075,000 $6,145,000 21.1% 0.8%
Farm Credit Mid-America, ACA $6,550,000 $5,810,000 -11.3% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $3,945,000 $5,780,000 46.5% 0.7%
Regions Bank $3,980,000 $5,670,000 42.5% 0.7%
GVC MORTGAGE, INC. $5,695,000 $5,410,000 -5.0% 0.7%
JPMorgan Chase Bank $3,655,000 $4,730,000 29.4% 0.6%
First Mid Bank & Trust $4,320,000 $4,445,000 2.9% 0.6%
Longview Bank & Trust $4,445,000 n/a 0.6%
PENNYMAC LOAN SERVICES, LLC $2,100,000 $4,270,000 103.3% 0.5%
The Fountain Trust Company $7,315,000 $3,970,000 -45.7% 0.5%
American Bank, N.A. $3,965,000 n/a 0.5%
ROYAL UNITED MORTGAGE LLC $4,245,000 $3,920,000 -7.7% 0.5%
BETTER MORTGAGE CORPORATION $530,000 $3,655,000 589.6% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,640,000 $3,100,000 89.0% 0.4%
NEWREZ LLC $1,590,000 $2,995,000 88.4% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,380,000 $2,890,000 21.4% 0.4%
EVANSVILLE TEACHERS $4,440,000 $2,860,000 -35.6% 0.4%
TEACHERS CREDIT UNION $2,430,000 $2,780,000 14.4% 0.4%
First Financial Bank $2,035,000 $2,715,000 33.4% 0.3%
NAVY FEDERAL CREDIT UNION $2,600,000 $2,445,000 -6.0% 0.3%
NEW DAY FINANCIAL, LLC $2,525,000 $2,260,000 -10.5% 0.3%
AMERIFIRST FINANCIAL CORPORATION $1,810,000 $2,205,000 21.8% 0.3%
Northwest Bank $1,110,000 $2,105,000 89.6% 0.3%
Elements Financial Federal Credit Union $2,780,000 $1,985,000 -28.6% 0.3%
UNITED WHOLESALE MORTGAGE, LLC $1,370,000 $1,910,000 39.4% 0.2%
USAA Federal Savings Bank $3,965,000 $1,895,000 -52.2% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,280,000 $1,810,000 -20.6% 0.2%
Carrington Mortgage Services, LLC $2,695,000 $1,760,000 -34.7% 0.2%
PNC Bank $720,000 $1,715,000 138.2% 0.2%
Blue Ridge Bank $520,000 $1,700,000 226.9% 0.2%
GUARANTEED RATE, INC. $515,000 $1,600,000 210.7% 0.2%
Barrington Bank & Trust Company, N.A. $1,270,000 $1,555,000 22.4% 0.2%
HOME POINT FINANCIAL CORPORATION $755,000 $1,545,000 104.6% 0.2%
Owen County State Bank $1,415,000 $1,545,000 9.2% 0.2%
The Federal Savings Bank $1,645,000 $1,485,000 -9.7% 0.2%
Catlin Bank $2,515,000 $1,450,000 -42.3% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,120,000 $1,450,000 29.5% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,290,000 $1,260,000 -2.3% 0.2%
BROKER SOLUTIONS, INC. $1,425,000 $1,250,000 -12.3% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,045,000 $1,240,000 18.7% 0.2%
HOMESIDE FINANCIAL, LLC $1,215,000 n/a 0.2%
HALLMARK HOME MORTGAGE, LLC $1,755,000 $1,180,000 -32.8% 0.2%
U.S. Bank $1,730,000 $1,125,000 -35.0% 0.1%
Northpointe Bank $810,000 $1,095,000 35.2% 0.1%
AMERICAN FINANCING CORPORATION $320,000 $920,000 187.5% 0.1%
SOFI LENDING CORP. $115,000 $910,000 691.3% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $750,000 $890,000 18.7% 0.1%
FAIR WAY LENDING LLC $640,000 $885,000 38.3% 0.1%
Bank of America $140,000 $865,000 517.9% 0.1%
CLEARPATH LENDING $1,420,000 $860,000 -39.4% 0.1%
INDIANA UNIVERSITY CREDIT UNION $715,000 $860,000 20.3% 0.1%
UNION HOME MORTGAGE CORP. $300,000 $850,000 183.3% 0.1%
1ST SIGNATURE LENDING, LLC $845,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $575,000 $845,000 47.0% 0.1%
First Federal Bank of the Midwest $840,000 n/a 0.1%
The Farmers and Merchants Bank $310,000 $840,000 171.0% 0.1%
First Federal Bank of Kansas City $990,000 $835,000 -15.7% 0.1%
MID AMERICA MORTGAGE, INC. $460,000 $830,000 80.4% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,730,000 $820,000 -52.6% 0.1%
First Federal Savings Bank $65,000 $815,000 1,153.8% 0.1%
First Savings Bank $775,000 n/a 0.1%
Nations Lending Corporation $200,000 $770,000 285.0% 0.1%
FLAT BRANCH MORTGAGE, INC. $140,000 $755,000 439.3% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $785,000 $705,000 -10.2% 0.1%
Baxter Credit Union $395,000 $705,000 78.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $850,000 $690,000 -18.8% 0.1%
LOANFLIGHT LENDING, LLC $670,000 n/a 0.1%
MJW Financial LLC $325,000 $670,000 106.2% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $195,000 $655,000 235.9% 0.1%
Magnolia Bank $305,000 $655,000 114.8% 0.1%
UNIVERSITY LENDING GROUP, LLC $370,000 $655,000 77.0% 0.1%
German American Bank $530,000 $650,000 22.6% 0.1%
Home Bank SB $750,000 $640,000 -14.7% 0.1%
Bank of England $220,000 $635,000 188.6% 0.1%
Flagstar Bank, FSB $170,000 $625,000 267.6% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $760,000 $590,000 -22.4% 0.1%
SOUTHWEST FUNDING, LP $590,000 n/a 0.1%
Three Rivers Federal Credit Union $585,000 n/a 0.1%
PURDUE FEDERAL CREDIT UNION $1,380,000 $565,000 -59.1% 0.1%
ENDEAVOR CAPITAL, LLC. $195,000 $560,000 187.2% 0.1%
Discover Bank $245,000 $535,000 118.4% 0.1%
Gateway First Bank $535,000 n/a 0.1%
INDIANA MEMBERS CREDIT UNION $715,000 $535,000 -25.2% 0.1%
BMO Harris Bank $430,000 $520,000 20.9% 0.1%
OPEN MORTGAGE, LLC $55,000 $510,000 827.3% 0.1%
The North Salem State Bank $1,475,000 $510,000 -65.4% 0.1%
Triumph Bank $585,000 $505,000 -13.7% 0.1%
21ST MORTGAGE CORPORATION $355,000 $495,000 39.4% 0.1%
Hoosier Heartland State Bank $815,000 $480,000 -41.1% 0.1%
PENTAGON FEDERAL CREDIT UNION $510,000 $475,000 -6.9% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $1,405,000 $470,000 -66.5% 0.1%
LOANPAL, LLC $260,000 $455,000 75.0% 0.1%
NATIONS RELIABLE LENDING, LLC $450,000 n/a 0.1%
InterContinental Capital Group, Inc $400,000 $440,000 10.0% 0.1%
Citizens Bank $280,000 $435,000 55.4% 0.1%
Union Savings Bank $800,000 $410,000 -48.8% 0.1%
AMCAP MORTGAGE, LTD. $385,000 n/a 0.0%
Centier Bank $485,000 $380,000 -21.6% 0.0%
First National Bank $495,000 $380,000 -23.2% 0.0%
ZILLOW HOME LOANS, LLC $135,000 $380,000 181.5% 0.0%
Paramount Residential Mortgage Group, Inc. $380,000 $370,000 -2.6% 0.0%
Wyndham Capital Mortgage, Inc. $340,000 $365,000 7.4% 0.0%
Low VA Rates, LLC $885,000 $355,000 -59.9% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $345,000 n/a 0.0%
Citizens Bank $280,000 $335,000 19.6% 0.0%
DAS Acquisition Company, LLC $235,000 $335,000 42.6% 0.0%
Peoples Bank $335,000 n/a 0.0%
JLB CORPORATION $330,000 n/a 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $310,000 n/a 0.0%
Flanagan State Bank $310,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $105,000 $310,000 195.2% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $305,000 n/a 0.0%
Arvest Bank $300,000 n/a 0.0%
AURGROUP FINANCIAL CREDIT UNION, INC. $285,000 n/a 0.0%
The Peoples State Bank $395,000 $285,000 -27.8% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $275,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $390,000 $275,000 -29.5% 0.0%
South State Bank $275,000 n/a 0.0%
Colten Mortgage, LLC $125,000 $270,000 116.0% 0.0%
First Option Mortgage, LLC $520,000 $265,000 -49.0% 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $265,000 n/a 0.0%
SIRVA MORTGAGE, INC. $265,000 n/a 0.0%
THE MORTGAGE WAREHOUSE,LLC $265,000 n/a 0.0%
First Midwest Bank $205,000 $260,000 26.8% 0.0%
ACADEMY MORTGAGE CORPORATION $470,000 $255,000 -45.7% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $155,000 $255,000 64.5% 0.0%
TJC Mortgage, Inc. $255,000 n/a 0.0%
Plains Commerce Bank $165,000 $250,000 51.5% 0.0%
Centra Credit Union $175,000 $245,000 40.0% 0.0%
NBKC BANK $710,000 $245,000 -65.5% 0.0%
Advisors Mortgage Group, L.L.C. $235,000 n/a 0.0%
CMG MORTGAGE, INC. $360,000 $235,000 -34.7% 0.0%
GSF Mortgage Corporation $235,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $145,000 $230,000 58.6% 0.0%
OCEANSIDE MORTGAGE COMPANY $460,000 $230,000 -50.0% 0.0%
PHH Mortgage Corporation $85,000 $230,000 170.6% 0.0%
RELIANCE FIRST CAPITAL, LLC $145,000 $230,000 58.6% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $375,000 $225,000 -40.0% 0.0%
LEADERONE FINANCIAL CORPORATION $200,000 $220,000 10.0% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,075,000 $220,000 -79.5% 0.0%
TRIAD FINANCIAL SERVICES, INC. $15,000 $220,000 1,366.7% 0.0%
MILESTONE HOME LENDING, LLC $350,000 $215,000 -38.6% 0.0%
NP, Inc. $225,000 $215,000 -4.4% 0.0%
First Guaranty Mortgage Corporation $1,110,000 $210,000 -81.1% 0.0%
American Community Bank of Indiana $1,170,000 $205,000 -82.5% 0.0%
EMM LOANS LLC $205,000 $205,000 0.0% 0.0%
GENEVA FINANCIAL, LLC $125,000 $205,000 64.0% 0.0%
Security Federal Savings Bank $205,000 n/a 0.0%
MORTGAGE MASTERS OF INDIANA, INC. $795,000 $200,000 -74.8% 0.0%
CELEBRITY HOME LOANS, LLC $205,000 $195,000 -4.9% 0.0%
PLANET HOME LENDING, LLC $285,000 $195,000 -31.6% 0.0%
SOUTHWEST STAGE FUNDING, LLC $195,000 n/a 0.0%
STEARNS LENDING, LLC $85,000 $195,000 129.4% 0.0%
THRIVENT Federal Credit Union $195,000 n/a 0.0%
TUCKER MORTGAGE, LLC $270,000 $195,000 -27.8% 0.0%
USAlliance Federal Credit Union $195,000 n/a 0.0%
Stifel Bank and Trust $755,000 $190,000 -74.8% 0.0%
Bankers' Bank $185,000 n/a 0.0%
UIF CORPORATION $185,000 n/a 0.0%
Figure Lending LLC $75,000 $180,000 140.0% 0.0%
Horizon Bank $110,000 $180,000 63.6% 0.0%
Bank of Springfield $175,000 n/a 0.0%
Manufacturers and Traders Trust Company $85,000 $175,000 105.9% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $520,000 $175,000 -66.3% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $170,000 n/a 0.0%
EVERETT FINANCIAL, INC. $135,000 $165,000 22.2% 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $125,000 $165,000 32.0% 0.0%
The Farmers Bank, Frankfort, Indiana $160,000 n/a 0.0%
Crossroads Bank $155,000 n/a 0.0%
Mid-Continent Funding, Inc. $155,000 n/a 0.0%
TOGETHER CREDIT UNION $155,000 $155,000 0.0% 0.0%
First Internet Bank of Indiana $145,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $145,000 n/a 0.0%
Petefish, Skiles & Co. $145,000 n/a 0.0%
The Home Loan Expert LLC $145,000 n/a 0.0%
First Home Bank $55,000 $140,000 154.5% 0.0%
MORIA DEVELOPMENT, INC. $135,000 n/a 0.0%
Republic Bank & Trust Company $895,000 $130,000 -85.5% 0.0%
Credit Union 1 $285,000 $125,000 -56.1% 0.0%
Marine Bank $310,000 $125,000 -59.7% 0.0%
Peoples Bank $125,000 n/a 0.0%
UNITED $60,000 $125,000 108.3% 0.0%
TrustBank $115,000 n/a 0.0%
UTILITIES EMPLOYEES CREDIT UNION $115,000 n/a 0.0%
ASSEMBLIES OF GOD Credit Union $105,000 n/a 0.0%
CITIZENS EQUITY FIRST $105,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $105,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $310,000 $95,000 -69.4% 0.0%
Morton Community Bank $95,000 n/a 0.0%
Truist Bank $95,000 n/a 0.0%
AMERICAN ADVISORS GROUP $265,000 $90,000 -66.0% 0.0%
Chickasaw Community Bank $85,000 n/a 0.0%
CIBM Bank $65,000 $85,000 30.8% 0.0%
Industrial Federal Credit Union $85,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $75,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $75,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $155,000 $75,000 -51.6% 0.0%
1st Source Bank $285,000 $65,000 -77.2% 0.0%
KeyBank $70,000 $65,000 -7.1% 0.0%
PANORAMA MORTGAGE GROUP, LLC $65,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $75,000 $55,000 -26.7% 0.0%
First Federal Bank $55,000 n/a 0.0%
Regional Federal Credit Union $55,000 n/a 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $55,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
DeMotte State Bank $45,000 n/a 0.0%
Iroquois Federal Savings and Loan Association $710,000 $35,000 -95.1% 0.0%
COMMONWEALTH $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $75,000 $25,000 -66.7% 0.0%
MEMBERS HERITAGE Credit Union $25,000 n/a 0.0%

TERRE HAUTE's top lender by overall market share is RUOFF MORTGAGE COMPANY, INC., with 16.5% market share. In second place, with 11.2%, is First Financial Bank, having originated $87,430,000 in loans. In third place, with 9.0%, is The Riddell National Bank, having originated $70,250,000 in loans. In third place, with 6.9%, is QUICKEN LOANS, LLC, having originated $53,870,000 in loans. In third place, with 5.7%, is Terre Haute Savings Bank, having originated $44,845,000 in loans.


TERRE HAUTE, IN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,445 $369,205,000 $151,004
Refi 1,798 $257,590,000 $143,265
Cash Out Refi 986 $130,540,000 $132,394
Home Improvement 225 $12,495,000 $55,533
Other 158 $11,160,000 $70,633

Terre Haute's most frequently cited loan purpose was Home Purchase, with 2,445 originations. The 2nd most popular reason was Refi, with 1,798 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,527 $355,595,000 $140,718
2.5-3% 1,511 $200,825,000 $132,909
<2.5% 670 $114,790,000 $171,328
4-5% 427 $40,495,000 $94,836
5-6% 71 $4,875,000 $68,662
6-7% 17 $1,225,000 $72,059
7-8% 11 $845,000 $76,818
Over 8% 10 $660,000 $66,000

During 2021, Terre Haute's most frequently originated rate bucket was 3-4%, with 2,527 originations.

Loan Sizing (TERRE HAUTE, IN MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 2,490 $156,120,000 $62,699
$100k-200k 2,202 $311,840,000 $141,617
$200k-400k 825 $215,585,000 $261,315
$400k-600k 81 $37,605,000 $464,259
$Over $1MM 8 $55,580,000 $6,947,500
$600k-1000k 6 $4,260,000 $710,000

TERRE HAUTE's loan sizing saw the bucket of loans from $100,000 or less with 2,490 originations, totaling $156,120,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,195 $325,155,000 $148,134
60-80% 1,580 $234,540,000 $148,443
40-60% 649 $94,945,000 $146,294
20-40% 353 $20,855,000 $59,079
Under 20% 218 $6,100,000 $27,982
Over 100% 48 $9,810,000 $204,375

TERRE HAUTE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,195 originations, totaling $325,155,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - TERRE HAUTE (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 $79,900 (-5.9%) $133,624 (9.1%) 0.29 553
2018-02-01 $79,900 (-1.8%) $137,929 (13.8%) 0.29 523
2018-03-01 $82,000 (-3.4%) $146,134 (18.1%) 0.28 461
2018-04-01 $89,700 (2.5%) $147,878 (16.5%) 0.30 488
2018-05-01 $91,700 (2.0%) $140,448 (3.4%) 0.31 481
2018-06-01 $99,900 (10.5%) $147,274 (6.6%) 0.33 534
2018-07-01 $109,900 (22.3%) $147,032 (4.5%) 0.37 533
2018-08-01 $113,900 (26.7%) $147,923 (3.8%) 0.38 528
2018-09-01 $109,900 (22.3%) $143,764 (-0.2%) 0.37 587
2018-10-01 $104,950 (17.3%) $142,509 (2.9%) 0.35 592
2018-11-01 $105,000 (25.1%) $140,940 (7.5%) 0.35 570
2018-12-01 $96,500 (12.2%) $136,973 (2.7%) 0.33 541
2019-01-01 $94,950 (18.8%) $133,350 (-0.2%) 0.33 531
2019-02-01 $90,500 (13.3%) $135,757 (-1.6%) 0.30 486
2019-03-01 $88,929 (8.5%) $136,519 (-6.6%) 0.29 452
2019-04-01 $88,879 (-0.9%) $142,216 (-3.8%) 0.28 422
2019-05-01 $87,400 (-4.7%) $143,807 (2.4%) 0.27 427
2019-06-01 $88,900 (-11.0%) $147,419 (0.1%) 0.27 476
2019-07-01 $95,000 (-13.6%) $149,934 (2.0%) 0.30 493
2019-08-01 $96,714 (-15.1%) $149,264 (0.9%) 0.30 507
2019-09-01 $96,664 (-12.0%) $147,501 (2.6%) 0.31 523
2019-10-01 $95,400 (-9.1%) $142,689 (0.1%) 0.30 546
2019-11-01 $89,900 (-14.4%) $138,782 (-1.5%) 0.29 515
2019-12-01 $88,000 (-8.8%) $134,097 (-2.1%) 0.29 484
2020-01-01 $90,075 (-5.1%) $139,413 (4.6%) 0.30 493
2020-02-01 $94,900 (4.9%) $138,796 (2.2%) 0.31 527
2020-03-01 $91,900 (3.3%) $141,745 (3.8%) 0.29 447
2020-04-01 $93,700 (5.4%) $143,530 (0.9%) 0.29 415
2020-05-01 $100,000 (14.4%) $161,088 (12.0%) 0.30 369
2020-06-01 $112,200 (26.2%) $164,857 (11.8%) 0.33 355
2020-07-01 $132,450 (39.4%) $180,362 (20.3%) 0.38 334
2020-08-01 $114,900 (18.8%) $180,574 (21.0%) 0.33 345
2020-09-01 $119,900 (24.0%) $173,223 (17.4%) 0.34 337
2020-10-01 $119,900 (25.7%) $175,089 (22.7%) 0.34 302
2020-11-01 $99,500 (10.7%) $170,306 (22.7%) 0.28 330
2020-12-01 $98,250 (11.7%) $168,237 (25.5%) 0.29 307
2021-01-01 $89,900 (-0.2%) $165,927 (19.0%) 0.26 267
2021-02-01 $97,500 (2.7%) $168,096 (21.1%) 0.28 218
2021-03-01 $99,250 (8.0%) $162,316 (14.5%) 0.28 212
2021-04-01 $124,200 (32.6%) $180,429 (25.7%) 0.33 187
2021-05-01 $129,900 (29.9%) $190,178 (18.1%) 0.34 199
2021-06-01 $127,400 (13.6%) $185,924 (12.8%) 0.33 245
2021-07-01 $121,500 (-8.3%) $180,005 (-0.2%) 0.32 270
2021-08-01 $134,900 (17.4%) $196,268 (8.7%) 0.35 289
2021-09-01 $127,200 (6.1%) $192,433 (11.1%) 0.33 325
2021-10-01 $129,900 (8.3%) $194,078 (10.9%) 0.34 305
2021-11-01 $127,900 (28.5%) $194,906 (14.4%) 0.34 268
2021-12-01 $117,450 (19.5%) $192,078 (14.2%) 0.31 227
2022-01-01 $109,900 (22.3%) $175,794 (6.0%) 0.29 199
2022-02-01 $104,900 (7.6%) $162,829 (-3.1%) 0.27 174
2022-03-01 $127,150 (28.1%) $156,155 (-3.8%) 0.31 172
2022-04-01 $119,000 (-4.2%) $160,723 (-10.9%) 0.28 171
TERRE HAUTE's median listing price for 2022-04-01 was $119,000, a difference of $-5,200 (-4.2%) versus the prior year and $-8,150 versus the prior month.

TERRE HAUTE's median listing price comes in at 28% of the national average.

TERRE HAUTE's average listing price for 2022-04-01 was $160,723, a difference of $-19,706 (-10.9%) versus the prior year and $4,568 versus the prior month.

For the 2022-04-01 period, TERRE HAUTE had 171 MLS listings, a difference of -1 listings (-1%) versus the prior month and -16 listings (-9%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - TERRE HAUTE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 84 days 1,542 sqft
2018-02-01 88 days 1,532 sqft
2018-03-01 86 days 1,567 sqft
2018-04-01 60 days 1,693 sqft
2018-05-01 61 days 1,672 sqft
2018-06-01 57 days 1,672 sqft
2018-07-01 58 days 1,673 sqft
2018-08-01 62 days 1,726 sqft
2018-09-01 57 days 1,726 sqft
2018-10-01 64 days 1,756 sqft
2018-11-01 69 days 1,705 sqft
2018-12-01 75 days 1,668 sqft
2019-01-01 84 days 1,653 sqft
2019-02-01 88 days 1,619 sqft
2019-03-01 69 days 1,634 sqft
2019-04-01 55 days 1,661 sqft
2019-05-01 57 days 1,624 sqft
2019-06-01 52 days 1,599 sqft
2019-07-01 56 days 1,599 sqft
2019-08-01 64 days 1,599 sqft
2019-09-01 64 days 1,599 sqft
2019-10-01 66 days 1,592 sqft
2019-11-01 71 days 1,568 sqft
2019-12-01 81 days 1,542 sqft
2020-01-01 81 days 1,554 sqft
2020-02-01 80 days 1,524 sqft
2020-03-01 60 days 1,488 sqft
2020-04-01 67 days 1,493 sqft
2020-05-01 81 days 1,562 sqft
2020-06-01 83 days 1,599 sqft
2020-07-01 64 days 1,599 sqft
2020-08-01 59 days 1,598 sqft
2020-09-01 53 days 1,578 sqft
2020-10-01 59 days 1,593 sqft
2020-11-01 55 days 1,599 sqft
2020-12-01 60 days 1,584 sqft
2021-01-01 79 days 1,512 sqft
2021-02-01 89 days 1,539 sqft
2021-03-01 78 days 1,500 sqft
2021-04-01 68 days 1,599 sqft
2021-05-01 49 days 1,599 sqft
2021-06-01 34 days 1,601 sqft
2021-07-01 38 days 1,607 sqft
2021-08-01 44 days 1,686 sqft
2021-09-01 45 days 1,664 sqft
2021-10-01 50 days 1,599 sqft
2021-11-01 52 days 1,512 sqft
2021-12-01 64 days 1,511 sqft
2022-01-01 69 days 1,488 sqft
2022-02-01 72 days 1,522 sqft
2022-03-01 44 days 1,484 sqft
2022-04-01 43 days 1,536 sqft
TERRE HAUTE's median listing age (time on market) for 2022-04-01 was 43 days. This is -37% shorter than the same period one year ago.

TERRE HAUTE's median square footage for active listings during the 2022-04-01 period was 1,536 sqft. One year prior, the average listing was 1,599 sqft.