Uniondale, Indiana Refinance Rates Today for October 2026
Brian McKay
Brian McKay
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Current refinance rates for Uniondale, Indiana borrowers from lenders serving Indiana today start at 5.625% for a 30 year fixed and 6.375% for a 15 year fixed, compared with Indiana averages of 7.413% and 7.02%. Uniondale, Indiana mortgage refinance rates from lenders serving Indiana range from 5.62% to 8.75%, verified by MonitorBankRates as of October 31, 2026. Current mortgage refinance rates for Uniondale, Indiana borrowers from lenders serving Indiana include Elements Financial Federal Credit UnionElements Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.46%Rate verified Oct 29, 2026 at 7.00%, Old National BankOld National BankA+5.0 ★Texas Ratio: 4.98%Rate verified Oct 31, 2026 at 7.25%, Advance Financial Federal Credit UnionAdvance Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.82%Rate verified Oct 29, 2026 at 5.625%, Thrive Federal Credit UnionThrive Federal Credit UnionA+5.0 ★Texas Ratio: 5.88%Rate verified Oct 28, 2026 at 5.75%, and GenFed Financial Credit UnionGenFed Financial Credit UnionA+5.0 ★Texas Ratio: 4.88%Rate verified Oct 30, 2026 at 6.24%. Refinance rates as of October 31, 2026 according to verified data from MonitorBankRates.
Uniondale homeowners can compare 136 refinance rates from 34 lenders serving the Indiana area, with refinance rates as low as 5.625% from Advance Financial Federal Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Indiana homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Refinance Rates Today in Uniondale, Indiana & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Uniondale, IN lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Uniondale 30 Year Fixed Refinance Rates
No additional details available.
- Oct 29, 20267.23%▼ from 7.62%
- Oct 9, 20267.62%▼ from 7.74%
- Oct 5, 20267.74%▲ from 7.11%
- Sep 17, 20267.11%first recorded
Refinance; Indiana properties; credit score 780+; 75% LTV
No additional details available.
- Oct 31, 20267.30%▼ from 7.43%
- Oct 26, 20267.43%▼ from 7.55%
- Oct 20, 20267.55%first recorded
As Low As; Competitive 30-Year Fixed Mortgage Rates starting at 5.625%
Homepage featured card; 30 Year Fixed; rate 5.75% / APR 5.848%
As Low As; Real Estate Loan Rates; Effective 10/1/2026
- Oct 10, 20266.24%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Construction Loan; one-time close; 1-year construction phase followed by 30-year permanent phase; Principal & Interest Payment $1,510.94; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $230,000; 90-day lock; Finance charges include $1,350 origination fee, $6.70 flood certification fee and $72 tax service fee
- Oct 31, 20266.94%▼ from 7.06%
- Oct 26, 20267.06%▼ from 7.19%
- Oct 20, 20267.19%▼ from 7.31%
- Sep 27, 20267.31%▲ from 7.06%
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
Purchase rates; effective October 28, 2026; available to credit scores 780+ and 75% LTV; Indiana property
- Oct 23, 20267.04%▼ from 7.29%
- Oct 13, 20267.29%first recorded
Homepage banner: 'Our 30 year fixed rate loans are currently 7.043% APR.' No interest rate stated separately.
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
Effective: October 30, 2026
Conventional Loan; Credit score 780 or higher; LTV 80% (20% down payment); Loan amount $230,000; Purchase, owner occupied single family; 45-day lock; Principal & Interest Payment $1,549.55
- Oct 31, 20267.18%▼ from 7.30%
- Oct 26, 20267.30%first recorded
Purchase; advertised rates effective as of 10/30/2026
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
Effective: October 30, 2026
Available to borrowers with credit scores 780 or greater, 100% LTV, loans secured by property in Indiana
- Oct 29, 20267.23%▼ from 7.61%
- Oct 9, 20267.61%▼ from 7.74%
- Oct 5, 20267.74%▲ from 7.11%
- Sep 21, 20267.11%first recorded
As Low As; Mortgage Rates: purchase of primary residence, $150,000 loan amount, LTV 60% or less, DTI under 40%, credit score 780 or above
- Oct 28, 20267.24%▼ from 7.50%
- Oct 15, 20267.50%▼ from 7.62%
- Oct 2, 20267.62%first recorded
No additional details available.
- Oct 20, 20267.29%▼ from 7.66%
- Oct 1, 20267.66%▲ from 7.02%
- Sep 24, 20267.02%▲ from 6.13%
- Sep 15, 20266.13%first recorded
1-Point option; APR assumes 20% down on $200,000 loan; PMI required for LTV 80.01% or higher
No additional details available.
- Oct 31, 20267.32%▼ from 7.44%
- Oct 14, 20267.44%▼ from 7.57%
- Oct 7, 20267.57%first recorded
PSB Mortgage Rates; Current posted rates as of 10/27/2026
As Low As; Fixed Rate; Purchase; Rate and APR as low as shown
Mercer Savings Bank Mortgage Rates; Interest Rates and APR as of 10/26/2026; Assumes loan amount of $100,000 and estimated property value of $125,000; No escrow account for taxes and insurance
Principal & Interest Payment: $1,171.66; Rate example assumes credit score 680 or higher, LTV 100%, owner-occupied single family purchase, 45-day lock; subject to credit approval
Effective: October 30, 2026
20% Down; Main Street Mortgage; Speak to a loan officer today to apply
0-Point option; APR assumes 20% down on $200,000 loan; PMI required for LTV 80.01% or higher
No additional details available.
No additional details available.
Rates available to borrowers with credit scores 780 or greater and 100% LTV, on loans secured by Indiana property
Mortgage Rates; Interest rate; APR effective 07/06/2026 (advertised APR is lowest rate available, assumes no discount points and excellent credit)
APR based on $60,000.00 loan; maximum loan amount $832,750; PMI required over 80% LTV
No additional details available.
- Oct 20, 20267.55%▼ from 7.80%
- Oct 1, 20267.80%▲ from 7.19%
- Sep 24, 20267.19%▲ from 6.39%
- Sep 15, 20266.39%first recorded
Interest Rate as low as; APR as low as; Discount: 0.00%; No discount points; Mortgage loan assumes $150,000 inclusive of loan fees
- Oct 26, 20267.58%▲ from 6.58%
- Oct 19, 20266.58%first recorded
No additional details available.
- Oct 31, 20267.61%▼ from 7.73%
- Oct 20, 20267.73%▼ from 7.99%
- Oct 1, 20267.99%▲ from 7.73%
- Sep 27, 20267.73%▲ from 7.61%
Mortgage; average rates for customers with credit scores above 760; APR assumes $100,000 purchase of primary residence at 60% LTV
- Oct 26, 20267.66%▼ from 8.04%
- Oct 22, 20268.04%first recorded
No additional details available.
- Oct 20, 20267.66%▼ from 7.92%
- Oct 1, 20267.92%▲ from 7.40%
- Sep 27, 20267.40%▲ from 7.28%
- Sep 24, 20267.28%▲ from 6.39%
No additional details available.
- Oct 20, 20267.69%▼ from 8.07%
- Oct 1, 20268.07%▲ from 7.42%
- Sep 27, 20267.42%▲ from 6.78%
- Sep 15, 20266.78%first recorded
Conforming and Government fixed rate loan
No additional details available.
No additional details available.
- Oct 20, 20268.06%▼ from 8.33%
- Oct 1, 20268.33%▲ from 7.81%
- Sep 27, 20267.81%▲ from 7.04%
- Sep 15, 20267.04%first recorded
APR based on $60,000.00 loan; minimum loan $30,000.00, maximum $832,750; maximum purchase transaction 97% LTV; PMI not required
- Oct 23, 20268.66%▼ from 8.91%
- Oct 12, 20268.91%first recorded
Maximum Term: 30 Years; Payment: $1169.20; Maximum LTV 90%; LTVs above 80% require PMI
- Oct 1, 20268.67%▲ from 8.29%
- Sep 24, 20268.29%▲ from 8.12%
- Sep 16, 20268.12%first recorded
Purchase; Principal & Interest Payment: $1,165.36; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount $170,000
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%▲ from 9.57%
- Sep 27, 20269.57%▲ from 9.26%
- Sep 24, 20269.26%▲ from 8.96%
Uniondale 15 Year Fixed Refinance Rates
Refinance; Indiana properties; credit score 780+; 75% LTV
- Oct 23, 20266.82%▼ from 7.19%
- Oct 15, 20267.19%▲ from 6.94%
- Oct 13, 20266.94%first recorded
No additional details available.
- Oct 31, 20266.83%▼ from 6.96%
- Oct 26, 20266.96%▼ from 7.08%
- Oct 20, 20267.08%first recorded
No additional details available.
- Oct 23, 20267.10%▲ from 6.72%
- Sep 21, 20266.72%first recorded
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
No additional details available.
- Oct 20, 20266.81%▼ from 7.12%
- Oct 1, 20267.12%▲ from 6.74%
- Sep 27, 20266.74%▲ from 5.73%
- Sep 15, 20265.73%first recorded
No additional details available.
- Oct 31, 20266.81%▼ from 7.06%
- Oct 14, 20267.06%▲ from 6.94%
- Oct 7, 20266.94%first recorded
Purchase rates; effective October 28, 2026; available to credit scores 780+ and 75% LTV; Indiana property
- Oct 23, 20266.82%▼ from 6.94%
- Oct 13, 20266.94%first recorded
Conventional Loan; Credit score 780 or higher; LTV 80% (20% down payment); Loan amount $230,000; Purchase, owner occupied single family; 45-day lock; Principal & Interest Payment $2,035.29
- Oct 31, 20266.83%▼ from 6.96%
- Oct 26, 20266.96%first recorded
Purchase; advertised rates effective as of 10/30/2026
Mercer Savings Bank Mortgage Rates; Interest Rates and APR as of 10/26/2026; Assumes loan amount of $100,000 and estimated property value of $125,000; No escrow account for taxes and insurance
Mortgage rates as of 10/27/2026
- Oct 27, 20266.90%▼ from 7.02%
- Oct 22, 20267.02%▼ from 7.52%
- Oct 14, 20267.52%first recorded
1-Point option; APR assumes 20% down on $200,000 loan; PMI required for LTV 80.01% or higher
No additional details available.
- Oct 31, 20266.92%▼ from 7.30%
- Oct 21, 20267.30%▲ from 7.17%
- Oct 20, 20267.17%▼ from 7.30%
- Oct 11, 20267.30%▲ from 7.17%
No additional details available.
As Low As; Fixed Rate; Purchase; Rate and APR as low as shown
0-Point option; APR assumes 20% down on $200,000 loan; PMI required for LTV 80.01% or higher
As Low As; Effective Thursday, October 29, 2026; Click to apply
As Low As; Effective Thursday, October 29, 2026; Click to apply
As Low As; Mortgage Rates: purchase of primary residence, $150,000 loan amount, LTV 60% or less, DTI under 40%, credit score 780 or above
- Oct 28, 20267.00%▼ from 7.15%
- Oct 15, 20267.15%▼ from 7.23%
- Oct 4, 20267.23%▲ from 7.15%
- Oct 2, 20267.15%first recorded
No additional details available.
Available to borrowers with credit scores 780 or greater, 100% LTV, loans secured by property in Indiana
- Oct 23, 20267.10%▲ from 6.72%
- Sep 21, 20266.72%first recorded
APR based on $60,000.00 loan; maximum loan amount $832,750; PMI required over 80% LTV
Mortgage Rates; Interest rate; APR effective 07/06/2026 (advertised APR is lowest rate available, assumes no discount points and excellent credit)
No additional details available.
- Oct 20, 20267.18%▼ from 7.32%
- Oct 1, 20267.32%▲ from 7.12%
- Sep 27, 20267.12%▲ from 5.98%
- Sep 15, 20265.98%first recorded
Conforming and Government fixed rate loan
Private Banking Professional Mortgage Rate; rates calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score
- Oct 23, 20267.32%▼ from 7.80%
- Oct 12, 20267.80%first recorded
No additional details available.
- Oct 20, 20267.34%▼ from 7.65%
- Oct 1, 20267.65%▲ from 7.27%
- Sep 27, 20267.27%▲ from 6.38%
- Sep 15, 20266.38%first recorded
No additional details available.
Mortgage; average rates for customers with credit scores above 760; APR assumes $100,000 purchase of primary residence at 60% LTV
Interest Rate as low as; APR as low as; Discount: 0.00%; No discount points; Mortgage loan assumes $150,000 inclusive of loan fees
- Oct 26, 20267.51%▲ from 6.51%
- Oct 19, 20266.51%first recorded
No additional details available.
- Oct 20, 20267.71%▼ from 7.85%
- Oct 1, 20267.85%▲ from 7.65%
- Sep 27, 20267.65%▲ from 6.63%
- Sep 15, 20266.63%first recorded
Maximum Term: 15 Years; Payment: $1430.91; Maximum LTV 90%; LTVs above 80% require PMI
- Oct 1, 20268.01%▲ from 7.63%
- Sep 24, 20267.63%▲ from 7.51%
- Sep 16, 20267.51%first recorded
Fixed Rate; Loan to Value (LTV) Ratio of 80% or less; APR based on a typical $80,000 loan with standard loan fees
Uniondale 5/1 ARM Refinance Rates
As Low As; Adjustable Rate Loan Terms; Refinance
- Oct 31, 20267.36%▼ from 7.51%
- Oct 26, 20267.51%▼ from 7.62%
- Oct 20, 20267.62%first recorded
Initial Monthly Payment: Months 1-60 $1,970.79; Maximum Monthly Payment: Months 61-360 $2,272.00; Requires credit score 780+ and 75% LTV
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Rate may be increased after closing
- Oct 20, 20266.54%▼ from 6.54%
- Oct 14, 20266.54%first recorded
No additional details available.
- Oct 31, 20266.60%▼ from 6.73%
- Oct 20, 20266.73%first recorded
Maximum Loan to Value: 80%; Est.; Rates effective as of: 10/30/2026
- Oct 31, 20266.60%▼ from 6.62%
- Oct 26, 20266.62%▼ from 6.95%
- Oct 7, 20266.95%▲ from 6.83%
- Oct 1, 20266.83%▲ from 6.60%
Minimum loan amount $20,000.00; maximum $832,750; APR based on $60,000.00 loan; rate adjusts after 5 years, then every 5th year, max 2% per adjustment, 6% loan maximum
Owner Occupied Residential Real Estate; Maximum Term: 30 years; Loan to Value Ratio: <=95%; 2% Annual Cap, 5% Lifetime Cap; Effective November 2, 2026
- Oct 31, 20266.65%▼ from 6.80%
- Oct 14, 20266.80%first recorded
Rate may be increased after closing
- Oct 20, 20266.69%▼ from 6.69%
- Oct 14, 20266.69%first recorded
As Low As; Introductory rate for 5/5 ARM; purchase or refinance; APR assumes $160,000 loan on $200,000 property, 780 credit score, 60-day rate lock; escrow required
Initial fixed period: Months 1-60; Initial; Maximum; Rates for credit scores 780+, 75% LTV, Indiana properties; Source table headed 'Adjustable Rate Mortgage Refinance', page tab shows Purchase Rates
Initial Monthly Payment: Months 1-60 $1,970.79; Maximum Monthly Payment: Months 61-360 $2,337.00; Requires credit score 780+ and 75% LTV
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Effective Date: Thursday, October 22nd, 2026
Adjustable rate mortgage; rate may increase after consummation; ARM programs based on 30-year term; average rates for customers with credit scores above 760; APR assumes $100,000 purchase of primary residence at 60% LTV
As Low As; Adjustable Rate Loan; Purchase; Rate and APR as low as shown
- Oct 31, 20267.39%▼ from 7.54%
- Oct 26, 20267.54%▼ from 7.65%
- Oct 20, 20267.65%▲ from 7.63%
- Oct 14, 20267.63%first recorded
Minimum loan amount $20,000.00; maximum $832,750; APR based on $60,000.00 loan; 6% cap every 15 years, 6% lifetime cap
APR based on $60,000 loan amount
- Oct 28, 20268.07%▲ from 8.05%
- Oct 23, 20268.05%first recorded
APR based on $60,000.00 loan; 6% cap every 15 years, 6% lifetime cap
- Oct 28, 20268.07%▲ from 8.05%
- Oct 8, 20268.05%first recorded
Uniondale 30-Year Jumbo Refinance Rates
No additional details available.
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%first recorded
Fixed-rate period 7 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Fixed-rate period 10 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
Sample homebuyer assumptions: credit score 780 or higher; LTV 75% (25% down payment); loan amount $1,000,000; purchase; owner occupied single family home; no secondary financing; 60-day lock; minimum loan amount $832,751; sample rates effective 10/30/2026
- Oct 31, 20266.89%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%▼ from 7.26%
- Sep 27, 20267.26%▲ from 7.01%
Purchase; advertised rates effective as of 10/30/2026
Fixed-rate period 7 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Fixed-rate period 10 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
Uniondale 15-Year Jumbo Refinance Rates
based on $940,000 loan amount and at least 25% equity
Loan amount $940,000; down payment at least 25%
Uniondale 5/1 Jumbo ARM Refinance Rates
Fixed-rate period 5 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Fixed-rate period 5 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Uniondale FHA Loan Rates
based on $270,019 loan amount and at least 3.5% equity; assumes FICO 680+
No additional details available.
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%first recorded
As Low As; APR*; 30-year rate shown
- Oct 29, 20266.85%▼ from 7.10%
- Oct 5, 20267.10%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.48%
- Sep 17, 20266.48%first recorded
No additional details available.
- Oct 20, 20267.34%▼ from 7.65%
- Oct 1, 20267.65%▲ from 7.27%
- Sep 27, 20267.27%▲ from 6.38%
- Sep 15, 20266.38%first recorded
No additional details available.
- Oct 20, 20267.69%▼ from 8.07%
- Oct 1, 20268.07%▲ from 7.42%
- Sep 27, 20267.42%▲ from 6.78%
- Sep 15, 20266.78%first recorded
No additional details available.
- Oct 20, 20267.71%▼ from 7.85%
- Oct 1, 20267.85%▲ from 7.65%
- Sep 27, 20267.65%▲ from 6.63%
- Sep 15, 20266.63%first recorded
Rate Type: Fixed
- Oct 23, 20268.00%▲ from 7.75%
- Sep 25, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
Loan amount $270,019; down payment at least 3.5%; FICO 680+
No additional details available.
- Oct 20, 20268.06%▼ from 8.33%
- Oct 1, 20268.33%▲ from 7.81%
- Sep 27, 20267.81%▲ from 7.04%
- Sep 15, 20267.04%first recorded
Rate Type: Fixed
- Oct 23, 20268.50%▲ from 8.25%
- Sep 25, 20268.25%▲ from 8.00%
- Sep 14, 20268.00%first recorded
Rate Type: Fixed
- Oct 23, 20268.75%▲ from 8.50%
- Sep 25, 20268.50%▲ from 8.25%
- Sep 14, 20268.25%first recorded
Purchase; Principal & Interest Payment: $1,165.36; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount $170,000
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%▲ from 9.57%
- Sep 27, 20269.57%▲ from 9.26%
- Sep 24, 20269.26%▲ from 8.96%
Purchase; FHA; advertised rates effective as of 10/30/2026
Uniondale VA Loan Rates
No additional details available.
- Oct 23, 20267.10%▲ from 6.72%
- Sep 21, 20266.72%first recorded
No additional details available.
- Oct 29, 20267.23%▼ from 7.62%
- Oct 9, 20267.62%▼ from 7.74%
- Oct 5, 20267.74%▲ from 7.11%
- Sep 17, 20267.11%first recorded
based on $305,059 loan amount and 14.8% equity
No additional details available.
- Oct 31, 20267.42%▼ from 7.54%
- Oct 26, 20267.54%▼ from 7.67%
- Oct 20, 20267.67%▲ from 7.04%
- Sep 15, 20267.04%first recorded
As Low As; APR*; 30-year rate shown
- Oct 29, 20266.85%▼ from 7.10%
- Oct 5, 20267.10%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.48%
- Sep 17, 20266.48%first recorded
Available to borrowers with credit scores 780 or greater, 100% LTV, loans secured by property in Indiana
- Oct 23, 20267.10%▲ from 6.72%
- Sep 21, 20266.72%first recorded
Available to borrowers with credit scores 780 or greater, 100% LTV, loans secured by property in Indiana
- Oct 29, 20267.23%▼ from 7.61%
- Oct 9, 20267.61%▼ from 7.74%
- Oct 5, 20267.74%▲ from 7.11%
- Sep 21, 20267.11%first recorded
Loan amount $383,625; no down payment
Purchase; VA; advertised rates effective as of 10/30/2026
Principal & Interest Payment: $1,171.66; Rate example assumes credit score 680 or higher, LTV 100%, owner-occupied single family purchase, 45-day lock; subject to credit approval
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Uniondale, Indiana quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Uniondale, IN Refinance Rate Trends
Compare local Uniondale, IN refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Indiana refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
Indiana 30-year fixed rates fell 0.048 points over the past 7 days to 7.413%.
Indiana 15-year fixed rates fell 0.011 points over the past 7 days to 7.020%.
What Uniondale, IN Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Indiana Refinance Rate Forecast, Next 12 Months
Where are Indiana refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Uniondale, IN Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $88,400 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (IN avg) | 7.413% | $613 | 8.7% | |
| 6-Month Forecast | 7.413% (7.06, 7.71%) | $613 | +$0/mo | 8.7% |
| 12-Month Forecast | 7.663% (7.31, 7.96%) | $628 | +$15/mo | 8.9% |
Income column = annual mortgage payment as % of Uniondale, IN median household income ($84,375). Above 30% is generally considered cost-burdened.
Uniondale, Indiana Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Uniondale, Indiana rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Uniondale, Indiana Refinance
The rate is only part of the decision. Use these calculators to turn current Uniondale, Indiana home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Uniondale, Indiana home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Uniondale, Indiana rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Uniondale, Indiana
Homeowners in Uniondale, Indiana can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Indiana lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Uniondale, Indiana average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Uniondale, Indiana usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Indiana quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Uniondale, Indiana is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Uniondale, Indiana refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Uniondale, Indiana directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Uniondale, Indiana. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in IN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Uniondale, Indiana home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Indiana banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Uniondale, Indiana mortgage rates page. For example, Elements Financial Federal Credit Union is listing a VA Loan Refinance - 30-Year Fixed at 7.00% for either purpose. Some lenders price refinances separately and list them by name, such as Elements Financial Federal Credit Union’s Fixed-Rate Mortgage Refinance - 15-Year Fixed at 6.75%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Uniondale, Indiana homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Indiana typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Indiana refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Uniondale, Indiana
What are refinance rates in Uniondale, Indiana today?
What are home loan refinance rates in Uniondale, IN today?
Are refinance rates higher than purchase mortgage rates in Uniondale, Indiana?
When does refinancing make sense in Uniondale, Indiana?
How soon can I refinance a mortgage in Uniondale, Indiana?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Uniondale, Indiana?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Uniondale, Indiana?
How do I get refinance quotes in Uniondale, Indiana?
What are the best refinance rates in Uniondale, Indiana?
- Elements Financial Federal Credit Union: 7.00% (VA Loan Refinance - 30-Year Fixed)
- Old National Bank: 7.25% (Refinance - 30 Year Fixed)
- Advance Financial Federal Credit Union: 5.625% (30-Year Fixed Mortgage)
- Thrive Federal Credit Union: 5.75% (New Fixed Rate Mortgage - 30 Year Fixed)
- GenFed Financial Credit Union: 6.24% (30 Year Mortgage (Fixed))
Uniondale, Indiana Rates & Resources
