Lowest closing cost mortgage lenders in Spencer County County, Indiana
In Spencer County, Indiana, homebuyers paid a median of $3,808 in closing costs in 2024 — below the Indiana median of $3,958. The county saw 175 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Liberty Credit Union offered the lowest median costs at $2,592, which is $501 less than the county median.
Homebuyers in Spencer County County who chose Liberty Credit Union paid $1,216 less in closing costs than the county median.
County Median Costs
$3,808
−3.8% vs Indiana ($3,958)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,343
Purchase Originations
175
vs Indiana Median
3.8% below
$-150
vs National Median
43.5% below
$-2,933
Lender rankings in Spencer County County
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,592 | 6.625% | $849 | 18 | −$501 | |
| 2 | $2,896 | 6.688% | $995 | 10 | −$197 | |
| 3 | $3,473 | 6.625% | $1,595 | 12 | +$380 |
Includes lenders with 10+ purchase originations in Spencer County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Indiana → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.