Mortgage lending in McHenry County
8,411 mortgages were originated in McHenry 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
- 8,411
- Median rate
- 6.750%
- Median lender fees
- $5,964
- Median loan amount
- $235,000
- Median spread over APOR
- 0.410
- Paid discount points
- 31%
- Received lender credits
- 24.1%
- Purchases / refinances
- 49.2% / 30.8%
- Conventional / FHA / VA
- 83.9% / 10.8% / 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 71.3% 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 McHenry County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 497 | $6,827 | 6.620% |
| Rocket Mortgage, LLC | 488 | $4,878 | 6.990% |
| GUARANTEED RATE, INC. | 327 | $6,337 | 6.625% |
| Fairway Independent Mortgage Corporation | 307 | $6,861 | 6.875% |
| BMO Bank National Association | 298 | — | 8.430% |
| LENNAR MORTGAGE, LLC | 284 | $4,325 | 5.625% |
| Baxter Credit Union | 266 | $570 | 7.500% |
| JPMorgan Chase Bank, National Association | 247 | $3,871 | 6.500% |
| Fifth Third Bank, National Association | 225 | $5,425 | 7.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 220 | $7,038 | 6.750% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in McHenry County — not a rule of thumb.
From 5,996 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