Mortgage lending in Kendall County
4,039 mortgages were originated in Kendall 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
- 4,039
- Median rate
- 6.750%
- Median lender fees
- $6,061
- Median loan amount
- $265,000
- Median spread over APOR
- 0.413
- Paid discount points
- 34.7%
- Received lender credits
- 25.8%
- Purchases / refinances
- 49.1% / 31.8%
- Conventional / FHA / VA
- 80.5% / 13.9% / 5.5%
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 75.2% 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 Kendall County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 265 | $5,735 | 6.124% |
| Rocket Mortgage, LLC | 242 | $6,120 | 6.875% |
| GUARANTEED RATE, INC. | 226 | $6,594 | 6.750% |
| GUILD MORTGAGE COMPANY | 148 | $6,338 | 6.625% |
| Fifth Third Bank, National Association | 139 | — | 8.000% |
| Old Second National Bank | 122 | — | 7.250% |
| Loandepot.Com, LLC | 119 | $7,509 | 6.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 101 | $7,443 | 6.750% |
| JPMorgan Chase Bank, National Association | 101 | $5,205 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 99 | $2,880 | 5.875% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Kendall County — not a rule of thumb.
From 3,037 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