What people paid for mortgages in Lake County, IL (2025)
Across 6,281 closed home-purchase loans in 2025, the median interest rate in Lake was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $6,547 on a median loan of $335,000. 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
- $6,547
- Median loan amount
- $335,000
6,281 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.745%
- Median total loan costs
- $3,422
- Median loan amount
- $315,000
3,229 loans, 2025.
Lowest median rates in Lake (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.LENNAR MORTGAGE, LLC5.5%92 loans, median costs $4,218
- 2.Morgan Stanley Private Bank, National Association5.975%32 loans, median costs $6,520
- 3.DHI MORTGAGE COMPANY, LTD.5.99%46 loans, median costs $2,812
- 4.M/I FINANCIAL, LLC6%33 loans, median costs $4,051
- 5.PULTE MORTGAGE LLC6.125%81 loans, median costs $4,614
Among lenders with at least 30 closed purchase loans in Lake County in 2025.
Refinance
- 1.CONSUMERS COOPERATIVE CREDIT UNION5.5%127 loans, median costs $2,444
- 2.PNC Bank, National Association5.75%72 loans, median costs $3,305
- 3.Old National Bank5.85%31 loans, median costs $2,326
- 4.PENNYMAC LOAN SERVICES, LLC5.99%92 loans, median costs $6,662
- 5.UNION HOME MORTGAGE CORP.5.99%50 loans, median costs $4,157
Among lenders with at least 30 closed refinance loans in Lake County in 2025.
Lender by lender in Lake
Every lender that closed at least 5 qualifying loans in Lake 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 | GUARANTEED RATE, INC. | 401 | 6.625% | $6,938 | $1,640 | $1,624 |
| 2 | CROSSCOUNTRY MORTGAGE, INC. | 387 | 6.825% | $6,803 | $1,690 | $1,655 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 337 | 6.625% | $7,208 | $1,835 | $1,030 |
| 4 | JPMorgan Chase Bank, National Association | 304 | 6.49% | $5,319 | $843 | $1,241 |
| 5 | Rocket Mortgage, LLC | 239 | 6.5% | $7,000 | $2,445 | $2,695 |
| 6 | Barrington Bank & Trust Company, National Association | 236 | 6.75% | $6,123 | $1,515 | $878 |
| 7 | Fairway Independent Mortgage Corporation | 231 | 6.75% | $7,121 | $1,994 | $1,853 |
| 8 | AMERICAN PACIFIC MORTGAGE CORPORATION | 165 | 6.75% | $10,033 | $4,248 | $3,563 |
| 9 | GREENSTATE Credit Union | 139 | 6.625% | $5,917 | $1,200 | $600 |
| 10 | Mortgage Research Center, LLC | 136 | 6.25% | $6,843 | $2,384 | $1,283 |
| 11 | OriginPoint, LLC | 119 | 6.75% | $6,667 | $1,640 | $1,321 |
| 12 | KEY MORTGAGE SERVICES, INC. | 112 | 6.75% | $6,680 | $1,720 | $596 |
| 13 | Old National Bank | 92 | 6.375% | $5,553 | $1,100 | $409 |
| 14 | LENNAR MORTGAGE, LLC | 92 | 5.5% | $4,218 | $1,350 | $2,778 |
| 15 | The Huntington National Bank | 89 | 6.375% | $6,470 | $1,395 | $1,288 |
| 16 | UNION HOME MORTGAGE CORP. | 89 | 6.625% | $6,920 | $1,805 | $723 |
| 17 | Bank of America, National Association | 86 | 6.25% | $5,265 | $1,308 | $2,136 |
| 18 | Loandepot.Com, LLC | 85 | 6.75% | $8,196 | $2,208 | $1,219 |
| 19 | U.S. Bank National Association | 83 | 6.375% | $6,113 | $1,245 | $910 |
| 20 | PULTE MORTGAGE LLC | 81 | 6.125% | $4,614 | $997 | $2,287 |
| 21 | Navy Federal Credit Union | 79 | 6.125% | $5,086 | $0 | $4,631 |
| 22 | Fifth Third Bank, National Association | 79 | 6.375% | $6,414 | $1,295 | $1,220 |
| 23 | THE LOAN STORE, INC.broker only | 75 | 6.5% | $6,066 | $1,149 | $1,055 |
| 24 | Broker Solutions, Inc. | 70 | 6.875% | $6,886 | $1,695 | $1,626 |
| 25 | TOWNE MORTGAGE COMPANY | 67 | 6.75% | $7,434 | $1,790 | $1,376 |
| 26 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 66 | 6.625% | $8,001 | $2,381 | $1,860 |
| 27 | GUARANTEED RATE AFFINITY, LLC | 64 | 6.625% | $6,416 | $1,640 | $559 |
| 28 | CONSUMERS COOPERATIVE CREDIT UNION | 63 | 6.375% | $5,385 | $1,100 | $2,326 |
| 29 | Baxter Credit Union | 62 | 6.5% | $5,627 | $1,050 | $1,082 |
| 30 | Citibank, National Association | 62 | 6.125% | $7,030 | $2,020 | $1,901 |
| 31 | A & N MORTGAGE SERVICES, INC. | 60 | 6.625% | $6,348 | $1,570 | $2,388 |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 6.875% | $6,435 | $1,658 | $590 |
| 33 | GUILD MORTGAGE COMPANY | 56 | 6.625% | $6,840 | $1,860 | $1,414 |
| 34 | PNC Bank, National Association | 55 | 6.375% | $5,872 | $1,310 | $519 |
| 35 | PENNYMAC LOAN SERVICES, LLC | 51 | 6.625% | $10,314 | $1,800 | $699 |
| 36 | Prosperity Home Mortgage, LLC | 49 | 6.625% | $6,540 | $1,449 | $906 |
| 37 | DHI MORTGAGE COMPANY, LTD. | 46 | 5.99% | $2,812 | $0 | $1,031 |
| 38 | A&D Mortgage LLC | 44 | 6.625% | $6,581 | $1,938 | $950 |
| 39 | Associated Bank, National Association | 42 | 6.375% | $5,219 | $900 | $487 |
| 40 | The Federal Savings Bank | 40 | 6.625% | $7,234 | $1,698 | $1,248 |
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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Lake figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Lake County in 2025?
The median interest rate on closed home-purchase loans in Lake County, Illinois in 2025 was 6.625%, across 6,281 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.