Mortgage lending in Lake County
14,702 mortgages were originated in Lake 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
- 14,702
- Median rate
- 6.750%
- Median lender fees
- $5,959
- Median loan amount
- $255,000
- Median spread over APOR
- 0.318
- Paid discount points
- 26.1%
- Received lender credits
- 27.3%
- Purchases / refinances
- 49.1% / 33.1%
- Conventional / FHA / VA
- 87.7% / 7% / 5.3%
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 69.9% 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 Lake County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 773 | $6,178 | 6.499% |
| Rocket Mortgage, LLC | 725 | $5,506 | 6.750% |
| JPMorgan Chase Bank, National Association | 629 | $3,335 | 6.490% |
| GUARANTEED RATE, INC. | 614 | $6,515 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 588 | $6,450 | 6.750% |
| CONSUMERS COOPERATIVE CREDIT UNION | 568 | $2,272 | 6.125% |
| PNC Bank, National Association | 363 | $5,711 | 7.490% |
| Barrington Bank & Trust Company, National Association | 351 | $5,860 | 6.625% |
| Fifth Third Bank, National Association | 345 | $4,371 | 7.500% |
| The Huntington National Bank | 333 | $6,043 | 7.440% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Lake County — not a rule of thumb.
From 10,272 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