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

Across 1,808 closed home-purchase loans in 2025, the median interest rate in Peoria was 6.624%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $2,922 on a median loan of $160,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.624%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $2,922
Median loan amount: $160,000

1,808 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.875%–7%
Median total loan costs: $3,754
Median loan amount: $145,000

510 loans, 2025.

Lowest median rates in Peoria (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.JPMorgan Chase Bank, NA6.49%47 loans, median costs $2,449
2.CITIZENS EQUITY FIRST CREDIT U6.5%327 loans, median costs $1,031
3.Mortgage Research Center6.5%47 loans, median costs $3,070
4.INB, NATIONAL ASSOCIATION6.5%43 loans, median costs $2,448
5.FLAT BRANCH MORTGAGE, INC.6.625%310 loans, median costs $2,961

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

Refinance

1.United Wholesale Mortgagebroker only5.999%51 loans, median costs $3,956
2.ROCKET MORTGAGE6.49%60 loans, median costs $5,730
3.CITIZENS EQUITY FIRST CREDIT U7%92 loans, median costs $2,043

Among lenders with at least 30 closed refinance loans in Peoria County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Peoria

Every lender that closed at least 5 qualifying loans in Peoria 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	CITIZENS EQUITY FIRST CREDIT U	327	6.5%	$1,031	$350	$2
2	FLAT BRANCH MORTGAGE, INC.	310	6.625%	$2,961	$1,080	$361
3	MLD MORTGAGE, INC.dba The Money Store	158	6.625%	$3,235	$1,495	$210
4	United Wholesale Mortgagebroker only	136	6.625%	$3,668	$1,575	$830
5	US BANK, N.A.	110	6.625%	$2,791	$1,245	$348
6	Morton Community Bank	59	6.625%	$2,297	$695	$1,415
7	ROCKET MORTGAGE	57	6.75%	$5,159	$2,366	$2,164
8	Mortgage Research Center	47	6.5%	$3,070	$842	$400
9	JPMorgan Chase Bank, NA	47	6.49%	$2,449	$809	$561
10	INB, NATIONAL ASSOCIATION	43	6.5%	$2,448	$628	$284
11	Better Banks	29	n/a	n/a	n/a	n/a
12	SYNERGY ONE LENDING, INC.	22	6.75%	$4,078	$1,425	$361
13	FIRST COMMUNITY MORTGAGE	21	6.99%	$5,228	$2,877	$770
14	BUSEY BANK	17	6.625%	$2,710	$900	$609
15	Zippy Loans, LLC	17	8%	$1,673	$1,178	n/a
16	First State Mortgage Services	16	6.75%	$2,952	$1,045	$284
17	PNC BANK N.A.	15	6.5%	$2,686	$1,000	$203
18	FAIRWAY INDEPENDENT MORT CORP	13	6.625%	$6,234	$2,425	$2,429
19	USAA BANK	13	6.625%	$3,059	$1,295	$1,010
20	Provident Funding Associates	12	5.875%	$3,098	$1,321	$900
21	NEW AMERICAN FUNDING, LLC.	12	6.812%	$7,089	$3,065	$924
22	LEADERONE FINANCIAL CORP.	11	6.625%	$5,077	$2,780	$2,525
23	FIRST STATE BANK OF FORREST	10	n/a	n/a	n/a	n/a
24	CIBM Bank	10	6.75%	$5,104	$2,264	$234
25	CBI Bank & Trust	9	6.5%	$2,513	$835	$344
26	TOWNE MORTGAGE COMPANY	9	5.99%	$4,670	$2,886	$454
27	COMPASS MORTGAGE, INC.	9	6.875%	$3,415	$1,499	n/a
28	CROSSCOUNTRY MORTGAGE, LLC	9	6.25%	$6,214	$1,990	$1,129
29	WELLS FARGO BANK NA	9	6.375%	$3,239	$1,332	$832
30	Navy Federal Credit Union	8	6.25%	$4,206	$609	$1,218
31	GUARANTEED RATE, INC.	8	6.487%	$5,998	$1,640	$3,650
32	Goodfield State Bank	7	n/a	n/a	n/a	n/a
33	Point Mortgage Corp	7	6.125%	$3,574	$1,502	$407
34	LOWER, LLC	7	6.625%	$3,272	$1,495	$405
35	Barrington Bank & Trust Company, N.A.	7	6.99%	$3,468	$1,556	$2,530
36	Huntington National Bank	6	6.5%	$4,023	$1,395	$1,814
37	Bank of Farmington	6	n/a	n/a	n/a	n/a
38	GREENSTATE CREDIT UNION	6	6.438%	$2,983	$1,200	$103
39	Better Mortgage Corporation	6	7%	$4,201	$1,443	$1,561
40	COMMERCE BANK	6	6.375%	$2,313	$300	n/a

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

Request quotes on LendingTree

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.

What happens after you submit

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Common questions

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

The median interest rate on closed home-purchase loans in Peoria County, Illinois in 2025 was 6.624%, across 1,808 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.