Mortgage lending in Will County
16,623 mortgages were originated in Will 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
- 16,623
- Median rate
- 6.750%
- Median lender fees
- $6,047
- Median loan amount
- $255,000
- Median spread over APOR
- 0.412
- Paid discount points
- 32.3%
- Received lender credits
- 26.6%
- Purchases / refinances
- 49.4% / 31.7%
- Conventional / FHA / VA
- 84.3% / 11% / 4.6%
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 72.9% 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 Will County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,042 | $6,266 | 6.370% |
| Rocket Mortgage, LLC | 1,008 | $5,352 | 6.875% |
| GUARANTEED RATE, INC. | 946 | $6,526 | 6.750% |
| JPMorgan Chase Bank, National Association | 645 | $4,388 | 6.490% |
| BMO Bank National Association | 589 | $5,663 | 8.600% |
| CROSSCOUNTRY MORTGAGE, INC. | 373 | $9,042 | 6.750% |
| Loandepot.Com, LLC | 361 | $6,821 | 6.813% |
| PULTE MORTGAGE LLC | 360 | $1,667 | 6.500% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 342 | $7,021 | 6.750% |
| PNC Bank, National Association | 332 | $5,882 | 7.740% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Will County — not a rule of thumb.
From 12,126 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