Mortgage lending in McLean County
3,473 mortgages were originated in McLean 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
- 3,473
- Median rate
- 6.750%
- Median lender fees
- $3,190
- Median loan amount
- $165,000
- Median spread over APOR
- 0.297
- Paid discount points
- 25.7%
- Received lender credits
- 25.9%
- Purchases / refinances
- 56.5% / 26.4%
- Conventional / FHA / VA
- 87.4% / 6.3% / 6%
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 69.8% 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 McLean County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FIRST STATE MORTGAGE SERVICES, LLC | 677 | $3,325 | 6.625% |
| CITIZENS EQUITY FIRST | 294 | $1,949 | 7.250% |
| PNC Bank, National Association | 177 | $2,863 | 7.340% |
| Rocket Mortgage, LLC | 163 | $4,693 | 6.875% |
| Morton Community Bank | 154 | $2,526 | 6.875% |
| First State Bank | 112 | — | 6.990% |
| ILLINOIS STATE | 111 | $1,750 | 6.438% |
| POINT MORTGAGE CORPORATION | 110 | $3,740 | 6.625% |
| Heartland Bank and Trust Company | 105 | — | 7.325% |
| Busey Bank | 93 | — | 7.270% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in McLean County — not a rule of thumb.
From 2,424 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