Mortgage lending in Kane County
11,763 mortgages were originated in Kane 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
- 11,763
- Median rate
- 6.750%
- Median lender fees
- $6,048
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
- $255,000
- Above the going rate (spread over APOR)
- 0.349
- Paid discount points
- 29.8%
- Received lender credits
- 24.1%
- Purchases / refinances
- 51% / 29.2%
- Conventional / FHA / VA
- 87% / 9.5% / 3.5%
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 70.6% 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 Kane County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 606 | $6,879 | 6.500% |
| Rocket Mortgage, LLC | 556 | $5,326 | 6.875% |
| Guaranteed Rate, Inc. | 541 | $6,475 | 6.750% |
| JPMorgan Chase Bank, National Association | 447 | $4,410 | 6.490% |
| Guild Mortgage Company | 374 | $6,324 | 6.750% |
| Consumers Cooperative Credit Union | 371 | — | 7.500% |
| GREENSTATE Credit Union | 327 | $3,936 | 6.875% |
| Fifth Third Bank, National Association | 316 | $4,939 | 7.563% |
| Old Second National Bank | 304 | $2,712 | 7.250% |
| DHI Mortgage Company, Ltd. | 304 | $2,830 | 5.875% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Kane County — not a rule of thumb.
From 8,302 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