What people paid for mortgages in Champaign County, IL (2025)

Across 1,608 closed home-purchase loans in 2025, the median interest rate in Champaign was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $3,185 on a median loan of $215,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $3,185
Median loan amount: $215,000

1,608 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.84%
Median total loan costs: $4,473
Median loan amount: $185,000

498 loans, 2025.

Lowest median rates in Champaign (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.University of Illinois Community Credit Union5.5%123 loans, median costs $2,638
2.Bank of Springfield6.175%42 loans, median costs $2,031
3.JPMorgan Chase Bank, National Association6.312%48 loans, median costs $2,706
4.POINT MORTGAGE CORPORATION6.5%42 loans, median costs $3,855
5.Busey Bank6.625%138 loans, median costs $2,606

Among lenders with at least 30 closed purchase loans in Champaign County in 2025.

Refinance

1.University of Illinois Community Credit Union4.375%32 loans, median costs $2,662
2.Mortgage Research Center, LLC5.75%12 loans, median costs $4,887
3.FREEDOM MORTGAGE CORPORATION5.875%13 loans, median costs $6,163
4.PENNYMAC LOAN SERVICES, LLC5.99%19 loans, median costs $6,641
5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%23 loans, median costs $7,747

Among lenders with at least 10 closed refinance loans in Champaign County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Champaign

Every lender that closed at least 5 qualifying loans in Champaign County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Broker Solutions, Inc.	255	6.875%	$3,652	$1,190	$555
2	Busey Bank	138	6.625%	$2,606	$900	$531
3	FLAT BRANCH MORTGAGE, INC.	137	6.625%	$2,807	$1,080	$564
4	University of Illinois Community Credit Union	123	5.5%	$2,638	$799	$1,115
5	Midland States Bank	82	6.625%	$4,175	$1,526	$552
6	PRIMELENDING, A PLAINSCAPITAL COMPANY	71	6.625%	$2,722	$1,085	$746
7	The Fisher National Bank	50	n/a	n/a	n/a	n/a
8	JPMorgan Chase Bank, National Association	48	6.312%	$2,706	$1,003	$1,070
9	POINT MORTGAGE CORPORATION	42	6.5%	$3,855	$1,188	$387
10	Bank of Springfield	42	6.175%	$2,031	$467	$18,394
11	Mortgage Research Center, LLC	35	6.625%	$3,067	$457	$919
12	First Federal Savings Bank of Champaign Urbana	34	n/a	n/a	n/a	n/a
13	Hickory Point Bank and Trust	32	n/a	n/a	n/a	n/a
14	Rocket Mortgage, LLC	30	6.688%	$4,848	$3,127	$2,107
15	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	24	6.625%	$6,215	$1,399	$390
16	AMERICAN PACIFIC MORTGAGE CORPORATION	23	6.75%	$9,760	$3,749	$2,831
17	FIRST STATE MORTGAGE SERVICES, LLC	22	6.5%	$4,173	$1,045	$482
18	Longview Bank	22	n/a	n/a	n/a	n/a
19	Morton Community Bank	17	6.75%	$2,394	$695	n/a
20	Iroquois Federal Savings and Loan Association	16	n/a	n/a	n/a	n/a
21	First State Bank and Trust	14	n/a	n/a	n/a	n/a
22	The Gifford State Bank	13	n/a	n/a	n/a	n/a
23	PNC Bank, National Association	12	6.375%	$2,906	$1,149	$2,016
24	Navy Federal Credit Union	11	6.25%	$1,571	$0	n/a
25	First Financial Bank, National Association	10	6.938%	$2,965	$1,231	n/a
26	First Mid Bank & Trust, National Association	10	6.625%	$2,323	$900	$835
27	Prairie State Bank and Trust	9	6.375%	$1,986	$676	n/a
28	Fairway Independent Mortgage Corporation	9	6.75%	$4,033	$1,690	$844
29	INB, National Association	8	6.125%	$2,689	$628	$345
30	MUTUAL OF OMAHA MORTGAGE, INC.	8	6.625%	$3,942	$1,967	$592
31	GUARANTEED RATE, INC.	8	6.775%	$6,117	$2,532	$2,454
32	CITIZENS EQUITY FIRST	8	6.312%	$1,918	$350	n/a
33	Wells Fargo Bank, National Association	8	6.188%	$3,325	$1,430	$2,903
34	TRIAD FINANCIAL SERVICES, INC.	7	8.65%	n/a	n/a	n/a
35	Prospect Bank	7	n/a	n/a	n/a	n/a
36	USAA Federal Savings Bank	7	6.125%	$5,744	$1,136	$1,608
37	Heartland Bank and Trust Company	7	7.125%	$2,356	$800	n/a
38	Synergy One Lending, Inc.	6	6.812%	$6,557	$2,096	$1,131
39	GUIDANCE RESIDENTIAL, LLC	6	6.688%	$3,313	$1,789	$760
40	U.S. Bank National Association	6	6.558%	$3,182	$1,505	$984

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

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What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Champaign figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Champaign County in 2025?

The median interest rate on closed home-purchase loans in Champaign County, Illinois in 2025 was 6.625%, across 1,608 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.