Mortgage lending in Kane County
11,763 mortgages were originated in Kane 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
- 11,763
- Median rate
- 6.750%
- Median lender fees
- $6,048
- Median loan amount
- $255,000
- Median 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
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 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% |
| DHI MORTGAGE COMPANY, LTD. | 304 | $2,830 | 5.875% |
| Old Second National Bank | 304 | $2,712 | 7.250% |
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, escrow and taxes are extra and are not in these figures. Compare two offers