Mortgage lending in Springfield, IL
4,788 mortgages were originated in the Springfield, 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
- 4,788
- Median rate
- 6.750%
- Median lender fees
- $2,548
- Median loan amount
- $135,000
- Median spread over APOR
- 0.283
- Paid discount points
- 16.1%
- Received lender credits
- 21.8%
- Purchases / refinances
- 59.4% / 26.4%
- Conventional / FHA / VA
- 85.2% / 7.5% / 6.7%
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 61.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Springfield, IL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| INB, National Association | 596 | $2,449 | 6.625% |
| United Community Bank | 434 | $1,600 | 6.625% |
| Bank of Springfield | 418 | $1,940 | 6.701% |
| HEARTLAND | 325 | $2,224 | 7.000% |
| CITIZENS EQUITY FIRST | 257 | $1,831 | 7.252% |
| Alliance Community Bank | 249 | — | — |
| Morton Community Bank | 193 | $2,241 | 7.125% |
| Rocket Mortgage, LLC | 170 | $4,684 | 6.750% |
| Heartland Bank and Trust Company | 144 | $2,446 | 7.088% |
| GUARANTEED RATE, INC. | 124 | $3,703 | 6.600% |