Mortgage lending in Vermilion County
1,109 mortgages were originated in Vermilion 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
- 1,109
- Median rate
- 6.750%
- Median lender fees
- $3,539
- Median loan amount
- $105,000
- Median spread over APOR
- 0.537
- Paid discount points
- 26.9%
- Received lender credits
- 14.6%
- Purchases / refinances
- 57.9% / 29.7%
- Conventional / FHA / VA
- 77.3% / 11.4% / 8.9%
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 52.6% 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 Vermilion County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Longview Bank | 129 | — | — |
| The Fisher National Bank | 115 | — | — |
| Iroquois Federal Savings and Loan Association | 100 | — | — |
| CROSSCOUNTRY MORTGAGE, INC. | 70 | $4,748 | 6.625% |
| First Financial Bank, National Association | 57 | — | 6.750% |
| Rocket Mortgage, LLC | 56 | $4,507 | 6.875% |
| Broker Solutions, Inc. | 56 | $3,862 | — |
What lenders charged here
Lender fees on a $105,000 loan, based on what was actually charged in Vermilion County — not a rule of thumb.
From 583 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