Mortgage lending in Champaign County
3,187 mortgages were originated in Champaign County, Illinois, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,187
- Median rate
- 6.750%
- Median lender fees
- $3,168
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $175,000
- Above the going rate (spread over APOR)
- 0.355
- Paid discount points
- 23.8%
- Received lender credits
- 17.4%
- Purchases / refinances
- 63.3% / 24.8%
- Conventional / FHA / VA
- 85% / 8.9% / 5.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 63.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $250,000
- That home, 20% down
- $200,000
A median-priced home with 20% down leaves $632,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Champaign County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Broker Solutions, Inc. | 315 | $3,598 | 6.875% |
| Busey Bank | 274 | $2,451 | 6.938% |
| University of Illinois Community Credit Union | 160 | $2,630 | 5.500% |
| Flat Branch Mortgage, Inc. | 158 | $2,808 | 6.625% |
| Rocket Mortgage, LLC | 141 | $4,543 | 6.875% |
| The Fisher National Bank | 130 | — | — |
| Midland States Bank | 126 | $3,383 | 6.625% |
| First Federal Savings Bank of Champaign Urbana | 100 | — | — |
| Longview Bank | 88 | — | — |
| Primelending, A Plainscapital Company | 84 | $2,707 | 6.625% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Champaign County — not a rule of thumb.
From 2,015 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers