Mortgage lending in Chicago-Naperville-Schaumburg, IL
125,815 mortgages were originated in the Chicago-Naperville-Schaumburg, 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
- 125,815
- Median rate
- 6.750%
- Median lender fees
- $6,251
- Median loan amount
- $255,000
- Median spread over APOR
- 0.379
- Paid discount points
- 28.3%
- Received lender credits
- 27.6%
- Purchases / refinances
- 53.4% / 30.5%
- Conventional / FHA / VA
- 87.5% / 9.4% / 3.1%
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.
Who lent here
Lenders with at least 50 loans in the Chicago-Naperville-Schaumburg, IL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUARANTEED RATE, INC. | 7,688 | $6,551 | 6.675% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7,473 | $6,909 | 6.500% |
| JPMorgan Chase Bank, National Association | 6,908 | $3,678 | 6.375% |
| Rocket Mortgage, LLC | 6,446 | $5,697 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 3,958 | $6,900 | 6.750% |
| The Huntington National Bank | 3,657 | $6,436 | 6.990% |
| BMO Bank National Association | 3,050 | $6,321 | 8.330% |
| Fifth Third Bank, National Association | 2,891 | $5,570 | 7.470% |
| Loandepot.Com, LLC | 2,879 | $7,132 | 6.875% |
| Fairway Independent Mortgage Corporation | 2,805 | $7,261 | 6.875% |