Mortgage lending in DeKalb County
2,152 mortgages were originated in DeKalb 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
- 2,152
- Median rate
- 6.750%
- Median lender fees
- $4,382
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
- $215,000
- Above the going rate (spread over APOR)
- 0.379
- Paid discount points
- 35.3%
- Received lender credits
- 24.2%
- Purchases / refinances
- 59% / 25.6%
- Conventional / FHA / VA
- 79.2% / 14.3% / 6.3%
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 74.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $455,000
- That home, 20% down
- $364,000
A median-priced home with 20% down leaves $468,750 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 DeKalb County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 128 | $4,552 | 6.750% |
| First National Bank of Omaha | 122 | — | 7.150% |
| Guild Mortgage Company | 102 | $5,337 | 6.625% |
| Lennar Mortgage, LLC | 82 | $4,260 | 5.875% |
| Guaranteed Rate, Inc. | 81 | $4,401 | 6.600% |
| NVR Mortgage Finance, Inc. | 80 | $5,504 | 6.125% |
| Old Second National Bank | 68 | — | 7.250% |
| Old National Bank | 67 | — | 6.000% |
| United Shore Financial Services, LLC | 65 | $5,803 | 6.249% |
| Crosscountry Mortgage, Inc. | 62 | $8,127 | 6.750% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in DeKalb County — not a rule of thumb.
From 1,598 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