Mortgage lending in Peoria County
3,551 mortgages were originated in Peoria 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
- 3,551
- Median rate
- 6.750%
- Median lender fees
- $2,942
- Median loan amount
- $125,000
- Median spread over APOR
- 0.306
- Paid discount points
- 22.1%
- Received lender credits
- 26.8%
- Purchases / refinances
- 61.7% / 22%
- Conventional / FHA / VA
- 83.4% / 10.7% / 5.7%
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 64.8% 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 Peoria County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CITIZENS EQUITY FIRST | 770 | $1,819 | 6.875% |
| FLAT BRANCH MORTGAGE, INC. | 352 | $2,974 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 264 | $3,755 | 6.724% |
| MLD MORTGAGE INC. | 200 | $3,235 | 6.625% |
| Morton Community Bank | 198 | $2,366 | 7.000% |
| Rocket Mortgage, LLC | 150 | $4,764 | 6.750% |
| U.S. Bank National Association | 134 | $2,777 | 6.625% |
| INB, National Association | 91 | $2,423 | 6.750% |
| PNC Bank, National Association | 80 | — | 7.750% |
| Better Banks | 75 | — | — |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Peoria County — not a rule of thumb.
From 2,302 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