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

Across 1,354 closed home-purchase loans in 2025, the median interest rate in Rock Island was 6.375%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $3,301 on a median loan of $155,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.375%
Middle half of rates: 6%–6.75%
Median total loan costs: $3,301
Median loan amount: $155,000

1,354 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $3,269
Median loan amount: $135,000

454 loans, 2025.

Lowest median rates in Rock Island (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.ASCENTRA Credit Union5.75%48 loans, median costs $2,036
2.Empeople Credit Union5.875%53 loans, median costs $2,541
3.I. H. MISSISSIPPI VALLEY CREDIT UNION6.125%138 loans, median costs $2,082
4.GREENSTATE Credit Union6.125%131 loans, median costs $2,031
5.RUHL MORTGAGE, LLC6.375%88 loans, median costs $2,881

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

Refinance

1.I. H. MISSISSIPPI VALLEY CREDIT UNION6.125%66 loans, median costs $2,053
2.Empeople Credit Union6.25%37 loans, median costs $2,508
3.Rocket Mortgage, LLC6.375%51 loans, median costs $5,342

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

Lender by lender in Rock Island

Every lender that closed at least 5 qualifying loans in Rock Island 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	I. H. MISSISSIPPI VALLEY CREDIT UNION	138	6.125%	$2,082	$675	$2,633
2	GREENSTATE Credit Union	131	6.125%	$2,031	$725	$93
3	GUARANTEED RATE, INC.	89	6.65%	$4,793	$1,996	$1,073
4	RUHL MORTGAGE, LLC	88	6.375%	$2,881	$1,085	$80
5	Broker Solutions, Inc.	71	6.625%	$6,042	$3,142	$1,891
6	LOWER, LLC	56	6.875%	$3,760	$1,295	$612
7	Rocket Mortgage, LLC	54	6.5%	$5,168	$2,319	$1,718
8	Empeople Credit Union	53	5.875%	$2,541	$990	$281
9	ASCENTRA Credit Union	48	5.75%	$2,036	$675	n/a
10	Fairway Independent Mortgage Corporation	45	6.75%	$6,423	$2,435	$1,156
11	Mortgage Research Center, LLC	39	6.5%	$3,564	$0	$701
12	Loandepot.Com, LLC	38	6.75%	$6,671	$3,048	$1,255
13	American Bank and Trust Company, National Association	37	6.625%	$2,894	$1,135	$73
14	Blackhawk Bank & Trust	36	n/a	n/a	n/a	n/a
15	BANKORION	32	n/a	n/a	n/a	n/a
16	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	26	6.5%	$4,619	$1,195	$975
17	R.I.A. Federal Credit Union	25	5.75%	$2,613	$650	n/a
18	CROSSCOUNTRY MORTGAGE, INC.	22	6.95%	$3,892	$1,756	$533
19	PLAZA HOME MORTGAGE, INC.broker only	19	6.49%	$5,645	$1,175	$624
20	First Federal Bank	18	6.495%	$3,138	$1,195	$591
21	Du Trac Community Credit Union	15	6.125%	$2,690	$960	$48
22	U.S. Bank National Association	15	6.5%	$3,020	$1,415	$224
23	Navy Federal Credit Union	13	6%	$1,926	$0	n/a
24	Wells Fargo Bank, National Association	13	6.25%	$3,840	$1,789	$1,310
25	SUCCESS MORTGAGE PARTNERS, INC.	11	7.125%	$7,572	$2,889	$2,166
26	Flanagan State Bank	9	6.625%	$4,521	$1,064	$1,368
27	Quad City Bank and Trust Company	9	n/a	n/a	n/a	n/a
28	NEWREZ LLC	9	6.25%	$5,060	$1,583	$1,699
29	Granite Bank	9	7.375%	$5,650	$1,994	$714
30	CBI Bank & Trust	8	6.875%	$2,463	$835	$231
31	MARINE CREDIT UNION	8	10.13%	$4,534	$2,860	n/a
32	PROVIDENT FUNDING ASSOCIATES, L.P.	7	6%	$2,458	$804	$384
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	7	6.75%	$9,446	$5,736	$5,760
34	TBK BANK, SSB	6	n/a	n/a	n/a	n/a
35	AMERICAN FINANCIAL RESOURCES, INC.	6	7.25%	$8,535	$3,762	$435
36	GAS AND ELECTRIC CREDIT UNION	6	6.25%	$2,608	$1,140	n/a
37	JPMorgan Chase Bank, National Association	6	6.558%	$2,997	$1,139	$2,507
38	USAA Federal Savings Bank	6	6.062%	$3,666	$552	$3,410
39	ZILLOW HOME LOANS, LLC	5	6.5%	$4,773	$2,152	$1,468
40	First Central State Bank	5	n/a	n/a	n/a	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, 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.

Request quotes on LendingTree

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 Rock Island figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Rock Island County in 2025?

The median interest rate on closed home-purchase loans in Rock Island County, Illinois in 2025 was 6.375%, across 1,354 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.75%.

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.