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

Across 2,086 closed home-purchase loans in 2025, the median interest rate in Sangamon was 6.625%, and the middle half of borrowers got between 6.35% and 6.875%. Median total loan costs ran $2,638 on a median loan of $185,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.35%–6.875%
Median total loan costs: $2,638
Median loan amount: $185,000

2,086 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.99%
Median total loan costs: $3,106
Median loan amount: $165,000

679 loans, 2025.

Lowest median rates in Sangamon (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.HEARTLAND6.375%105 loans, median costs $2,307
2.United Community Bank6.5%148 loans, median costs $2,175
3.CITIZENS EQUITY FIRST6.5%64 loans, median costs $904
4.Mortgage Research Center, LLC6.5%59 loans, median costs $4,122
5.Carrollton Bank6.5%34 loans, median costs $2,566

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%36 loans, median costs $4,689
2.United Community Bank6.062%42 loans, median costs $1,346
3.Rocket Mortgage, LLC6.25%71 loans, median costs $5,546
4.PNC Bank, National Association6.25%39 loans, median costs $3,727
5.FREEDOM MORTGAGE CORPORATION6.25%35 loans, median costs $4,024

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

Lender by lender in Sangamon

Every lender that closed at least 5 qualifying loans in Sangamon 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	INB, National Association	412	6.625%	$2,459	$628	$449
2	Bank of Springfield	261	6.575%	$2,055	$467	$185
3	United Community Bank	148	6.5%	$2,175	$495	$121
4	HEARTLAND	105	6.375%	$2,307	$703	n/a
5	GUARANTEED RATE, INC.	89	6.6%	$3,732	$1,640	$534
6	AFFORDABLE MORTGAGE ADVISORS, LLC.	67	6.75%	$4,277	$1,550	$435
7	Heartland Bank and Trust Company	66	6.662%	$2,667	$800	$1,175
8	CITIZENS EQUITY FIRST	64	6.5%	$904	$350	$2
9	FLAT BRANCH MORTGAGE, INC.	61	6.75%	$3,037	$1,080	$182
10	Mortgage Research Center, LLC	59	6.5%	$4,122	$1,663	$758
11	Broker Solutions, Inc.	50	6.875%	$5,345	$1,629	$1,600
12	Morton Community Bank	50	6.75%	$2,335	$695	n/a
13	PNC Bank, National Association	43	6.625%	$3,008	$1,138	$605
14	Rocket Mortgage, LLC	42	6.625%	$4,632	$2,135	$2,129
15	Alliance Community Bank	36	n/a	n/a	n/a	n/a
16	Carrollton Bank	34	6.5%	$2,566	$795	$157
17	Hickory Point Bank and Trust	34	n/a	n/a	n/a	n/a
18	Prairie State Bank and Trust	28	6.5%	$2,526	$676	$915
19	Security Bank, s.b.	26	n/a	n/a	n/a	n/a
20	JPMorgan Chase Bank, National Association	25	6.625%	$2,605	$1,332	$952
21	Warren-Boynton State Bank	23	n/a	n/a	n/a	n/a
22	Bank & Trust Company	20	n/a	n/a	n/a	n/a
23	U.S. Bank National Association	18	6.49%	$3,153	$1,245	$141
24	GUILD MORTGAGE COMPANY	17	6.99%	$6,020	$2,163	$479
25	21st Mortgage Corporation	17	11.24%	n/a	n/a	n/a
26	LEADERONE FINANCIAL CORPORATION	15	6.75%	$5,791	$1,984	$1,053
27	TRIAD FINANCIAL SERVICES, INC.	14	9.315%	n/a	n/a	n/a
28	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	14	6.625%	$4,699	$1,633	$1,828
29	Williamsville State Bank & Trust	13	n/a	n/a	n/a	n/a
30	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	12	6.875%	$3,950	$1,470	n/a
31	Navy Federal Credit Union	11	6%	$2,110	$0	n/a
32	Sierra Pacific Mortgage Company, Inc.	9	6.625%	$3,647	$1,095	$197
33	Plains Commerce Bank	9	6.125%	$8,139	$2,794	$1,991
34	Petefish, Skiles & Co.	8	6.562%	$2,096	$450	n/a
35	USAA Federal Savings Bank	7	6.5%	$3,694	$339	$1,281
36	FIRST STATE MORTGAGE SERVICES, LLC	6	6.62%	$4,053	$1,111	$532
37	PENNYMAC LOAN SERVICES, LLC	6	6.499%	$7,880	$2,630	$537
38	ZILLOW HOME LOANS, LLC	5	6.875%	$5,108	$3,543	$2,264
39	MEMBER FIRST MORTGAGE, LLC	5	6.625%	$3,203	$1,418	n/a
40	NATIONSTAR MORTGAGE LLC	5	6.625%	$3,183	$1,499	$724

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 Sangamon figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Sangamon County, Illinois in 2025 was 6.625%, across 2,086 first-lien, owner-occupied loans. The middle half of borrowers got between 6.35% 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.