Mortgage lending in Williamson County
1,127 mortgages were originated in Williamson 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
- 1,127
- Median rate
- 6.625%
- Median lender fees
- $4,089
- Median loan amount
- $145,000
- Median spread over APOR
- 0.395
- Paid discount points
- 33.9%
- Received lender credits
- 22.4%
- Purchases / refinances
- 63.4% / 24.4%
- Conventional / FHA / VA
- 69.1% / 14.9% / 12.5%
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 70.5% 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 Williamson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 117 | $4,161 | 6.625% |
| Rocket Mortgage, LLC | 76 | $5,350 | 6.495% |
| Farmers State Bank of Alto Pass, Ill. | 76 | — | — |
| U.S. Bank National Association | 69 | $3,240 | 6.625% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 65 | $4,711 | 6.933% |
| FIRSTTRUST HOME LOANS, INC. | 58 | $4,734 | 6.500% |
| Mortgage Research Center, LLC | 50 | $2,072 | 6.250% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Williamson County — not a rule of thumb.
From 794 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