Mortgage lending in Sangamon County
4,516 mortgages were originated in Sangamon 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
- 4,516
- Median rate
- 6.750%
- Median lender fees
- $2,537
- Median loan amount
- $135,000
- Median spread over APOR
- 0.282
- Paid discount points
- 16%
- Received lender credits
- 22.3%
- Purchases / refinances
- 59.6% / 26.2%
- Conventional / FHA / VA
- 85.7% / 7.4% / 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 61.5% 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 Sangamon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| INB, National Association | 576 | $2,450 | 6.625% |
| United Community Bank | 424 | $1,600 | 6.625% |
| Bank of Springfield | 409 | $1,946 | 6.701% |
| HEARTLAND | 311 | $2,220 | 7.000% |
| CITIZENS EQUITY FIRST | 246 | $1,839 | 7.313% |
| Alliance Community Bank | 191 | — | — |
| Morton Community Bank | 190 | $2,240 | 7.125% |
| Rocket Mortgage, LLC | 160 | $4,661 | 6.750% |
| Heartland Bank and Trust Company | 141 | $2,411 | 7.100% |
| PNC Bank, National Association | 117 | $3,514 | 6.875% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Sangamon County — not a rule of thumb.
From 2,776 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