Mortgage lending in Grundy County
1,248 mortgages were originated in Grundy County, Illinois, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,248
- Median rate
- 6.750%
- Median lender fees
- $5,734
- Median loan amount
- $215,000
- Median spread over APOR
- 0.493
- Paid discount points
- 29.7%
- Received lender credits
- 26%
- Purchases / refinances
- 53.1% / 29.7%
- Conventional / FHA / VA
- 81% / 13.4% / 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 74% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Grundy County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Grundy Bank | 129 | $2,022 | 6.875% |
| GUARANTEED RATE, INC. | 120 | $6,525 | 6.750% |
| Rocket Mortgage, LLC | 83 | $4,928 | 6.990% |
| Old National Bank | 62 | — | 6.240% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | — | 6.874% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Grundy County — not a rule of thumb.
From 923 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers