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

Across 522 closed home-purchase loans in 2025, the median interest rate in Vermilion was 6.625%, and the middle half of borrowers got between 6.375% and 6.99%. Median total loan costs ran $3,668 on a median loan of $125,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.375%–6.99%
Median total loan costs: $3,668
Median loan amount: $125,000

522 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.99%–6.75%
Median total loan costs: $4,389
Median loan amount: $115,000

249 loans, 2025.

Lowest median rates in Vermilion (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.Broker Solutions, Inc.6.625%41 loans, median costs $4,625
2.CROSSCOUNTRY MORTGAGE, INC.6.75%47 loans, median costs $4,768
3.FLAT BRANCH MORTGAGE, INC.6.75%45 loans, median costs $4,415

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

Refinance

1.CROSSCOUNTRY MORTGAGE, INC.5.902%18 loans, median costs $3,835
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%11 loans, median costs $4,906
3.FREEDOM MORTGAGE CORPORATION6.25%13 loans, median costs $2,503
4.Rocket Mortgage, LLC6.49%19 loans, median costs $4,880
5.First Financial Bank, National Association6.625%10 loans, median costs $223

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

Lender by lender in Vermilion

Every lender that closed at least 5 qualifying loans in Vermilion 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	The Fisher National Bank	55	n/a	n/a	n/a	n/a
2	CROSSCOUNTRY MORTGAGE, INC.	47	6.75%	$4,768	$2,079	$692
3	FLAT BRANCH MORTGAGE, INC.	45	6.75%	$4,415	$1,384	$373
4	Longview Bank	42	n/a	n/a	n/a	n/a
5	Broker Solutions, Inc.	41	6.625%	$4,625	$1,629	$636
6	Rocket Mortgage, LLC	27	6.5%	$4,857	$2,431	$1,892
7	Mortgage Research Center, LLC	26	6.5%	$4,404	$437	$563
8	Iroquois Federal Savings and Loan Association	25	n/a	n/a	n/a	n/a
9	University of Illinois Community Credit Union	21	6.125%	$2,454	$799	n/a
10	First Farmers Bank & Trust Co.	15	6.875%	$2,597	$1,150	$172
11	First Financial Bank, National Association	13	6.625%	$2,828	$1,275	n/a
12	FIRST STATE MORTGAGE SERVICES, LLC	10	6.312%	$4,093	$975	$514
13	First Financial Bank	10	6.875%	$2,289	$685	$182
14	RUOFF MORTGAGE COMPANY, INC.	9	7%	$3,198	$1,370	$1,211
15	The Gifford State Bank	9	n/a	n/a	n/a	n/a
16	Old National Bank	8	6.562%	$3,510	$1,100	$552
17	ZILLOW HOME LOANS, LLC	6	6.875%	$3,816	$1,925	$855
18	AMERICAN PACIFIC MORTGAGE CORPORATION	6	6.938%	$4,758	$3,055	$1,677
19	Fairway Independent Mortgage Corporation	6	6.812%	$4,731	$2,133	$490
20	JPMorgan Chase Bank, National Association	6	6.875%	$4,284	$2,229	$987
21	Prairie State Bank and Trust	5	6.375%	$2,168	$676	n/a
22	Busey Bank	5	6.25%	$2,803	$1,152	$252

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

Common questions

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

The median interest rate on closed home-purchase loans in Vermilion County, Illinois in 2025 was 6.625%, across 522 first-lien, owner-occupied loans. The middle half of borrowers got between 6.375% and 6.99%.

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.