Mortgage lending in Rockford, IL

7,229 mortgages were originated in the Rockford, IL area in 2025, and here is what they cost.

Loans originated

7,229

Median rate

6.875%

Median lender fees

$3,589

Median loan amount

$145,000

Median spread over APOR

0.518

Paid discount points

23.4%

Received lender credits

21.1%

Purchases / refinances

53.3% / 28.4%

Conventional / FHA / VA

82.9% / 12.1% / 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 68.7% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Rockford, IL area, ranked by volume.