Indiana Mortgage Rate Trends
Track current and weekly average mortgage rates across all loan products in Indiana, view interactive rate trend charts, and compare IN borrowing costs against the national average.
Current Indiana Mortgage Rate Trends
Mortgage rates in Indiana held steady this week at a 30-year fixed average of 6.536%. IN rates are unchanged from the prior week, reflecting a period of stability in local lending conditions.
At 6.536%, Indiana's 30-year fixed rate sits +0.216 above the current national average of 6.320%. This above-average spread may reflect local market conditions, lender competition levels, or regional risk factors specific to IN.
The 15-year fixed rate in Indiana currently averages 6.185%, compared to 6.205% last week. Homeowners considering a refinance into a shorter term should weigh this rate against their current loan conditions and remaining balance. Shorter-term loans typically carry lower rates but require higher monthly payments.
The Indiana mortgage rate averages displayed on this page are calculated from 445 verified mortgage rate quotes collected across 98 lenders actively operating in Indiana. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates.
Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across Indiana. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like in IN.
Data reflects average rates offered by licensed institutions operating in IN. Last Updated: April 19, 2026
Indiana Mortgage Rate Trends
Daily average rates across all loan products. Hover over the chart to see exact rates for each day.
Indiana mortgage rate averages compiled from 445 current mortgage rates across 98 lenders operating in IN — updated daily.
As of Apr 19, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Indiana housing markets, real estate professionals advising clients on timing, and academic researchers studying regional lending patterns are welcome to cite and reference this data. All historical IN rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/indiana/trends. For custom data pulls, contact us here.
