Mortgage lending in Madison County
6,489 mortgages were originated in Madison 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
- 6,489
- Median rate
- 6.750%
- Median lender fees
- $3,313
- Median loan amount
- $135,000
- Median spread over APOR
- 0.430
- Paid discount points
- 24.1%
- Received lender credits
- 20.3%
- Purchases / refinances
- 54.1% / 26.2%
- Conventional / FHA / VA
- 77.5% / 13.3% / 8.7%
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 67.4% 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 Madison County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FCB Banks | 599 | $2,189 | 6.875% |
| Broker Solutions, Inc. | 313 | $4,504 | 6.990% |
| SCOTT CREDIT UNION | 301 | $2,546 | 6.500% |
| Carrollton Bank | 287 | $2,638 | 6.875% |
| 1ST MIDAMERICA CREDIT UNION | 284 | — | — |
| Regions Bank | 273 | — | 4.990% |
| Rocket Mortgage, LLC | 242 | $5,198 | 6.625% |
| ENDEAVOR CAPITAL, LLC. | 209 | $4,210 | 6.625% |
| Busey Bank | 199 | $2,615 | 7.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 194 | $4,992 | 6.375% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Madison County — not a rule of thumb.
From 4,373 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