Mortgage lending in Champaign-Urbana, IL
3,877 mortgages were originated in the Champaign-Urbana, IL area in 2025, and here is what they cost.
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
- 3,877
- Median rate
- 6.750%
- Median lender fees
- $3,168
- Median loan amount
- $165,000
- Median spread over APOR
- 0.369
- Paid discount points
- 23.5%
- Received lender credits
- 17.3%
- Purchases / refinances
- 62.9% / 25.3%
- Conventional / FHA / VA
- 84% / 9.4% / 5.7%
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 62.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Champaign-Urbana, IL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Broker Solutions, Inc. | 376 | $3,514 | 6.875% |
| Busey Bank | 298 | $2,512 | 6.875% |
| FLAT BRANCH MORTGAGE, INC. | 213 | $2,869 | 6.625% |
| Rocket Mortgage, LLC | 182 | $4,725 | 6.875% |
| University of Illinois Community Credit Union | 178 | $2,630 | 5.500% |
| The Fisher National Bank | 150 | — | — |
| Midland States Bank | 130 | $3,399 | 6.625% |
| First Federal Savings Bank of Champaign Urbana | 107 | — | — |
| Longview Bank | 101 | — | — |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 100 | $2,706 | 6.625% |