Mortgage lending in Rock Island County
2,872 mortgages were originated in Rock Island 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
- 2,872
- Median rate
- 6.575%
- Median lender fees
- $2,771
- Median loan amount
- $115,000
- Median spread over APOR
- 0.326
- Paid discount points
- 22.3%
- Received lender credits
- 17.1%
- Purchases / refinances
- 60.3% / 25.1%
- Conventional / FHA / VA
- 80.1% / 13.3% / 6.6%
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 70.2% 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 Rock Island County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 287 | $2,032 | 6.375% |
| GREENSTATE Credit Union | 259 | $1,901 | 6.500% |
| Empeople Credit Union | 175 | $2,443 | 6.490% |
| ASCENTRA Credit Union | 140 | $1,781 | 6.500% |
| BANKORION | 135 | — | — |
| Rocket Mortgage, LLC | 135 | $4,581 | 6.750% |
| Blackhawk Bank & Trust | 117 | — | — |
| GUARANTEED RATE, INC. | 111 | $4,793 | 6.650% |
| RUHL MORTGAGE, LLC | 107 | $2,881 | 6.375% |
| Broker Solutions, Inc. | 102 | $5,664 | 6.638% |
What lenders charged here
Lender fees on a $115,000 loan, based on what was actually charged in Rock Island County — not a rule of thumb.
From 2,015 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