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

Across 2,550 closed home-purchase loans in 2025, the median interest rate in Winnebago was 6.625%, and the middle half of borrowers got between 6.375% and 6.99%. Median total loan costs ran $3,901 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: 6.375%–6.99%
Median total loan costs: $3,901
Median loan amount: $185,000

2,550 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.99%–6.94%
Median total loan costs: $4,225
Median loan amount: $165,000

1,060 loans, 2025.

Lowest median rates in Winnebago (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.Members Alliance Credit Union5.5%51 loans, median costs $2,735
2.JPMorgan Chase Bank, National Association6.433%80 loans, median costs $3,296
3.GREENSTATE Credit Union6.5%446 loans, median costs $3,322
4.Mortgage Research Center, LLC6.5%73 loans, median costs $5,572
5.Stillman BancCorp N.A.6.5%56 loans, median costs $3,023

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

Refinance

1.Members Alliance Credit Union5.75%49 loans, median costs $1,429
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.77%66 loans, median costs $8,256
3.PENNYMAC LOAN SERVICES, LLC5.99%34 loans, median costs $5,461
4.GREENSTATE Credit Union6%55 loans, median costs $1,983
5.Rocket Mortgage, LLC6.375%169 loans, median costs $6,261

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

Lender by lender in Winnebago

Every lender that closed at least 5 qualifying loans in Winnebago 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	GREENSTATE Credit Union	446	6.5%	$3,322	$725	$216
2	First Mid Bank & Trust, National Association	222	6.625%	$3,391	$1,000	$341
3	ENVOY MORTGAGE, LTD	151	6.875%	$4,772	$1,750	$655
4	FIRST NORTHERN Credit Union	132	6.625%	$3,265	$878	$225
5	Fairway Independent Mortgage Corporation	132	6.875%	$5,951	$2,559	$927
6	GUILD MORTGAGE COMPANY	101	6.75%	$6,305	$2,961	$1,420
7	JPMorgan Chase Bank, National Association	80	6.433%	$3,296	$725	$591
8	Rocket Mortgage, LLC	75	6.625%	$7,026	$2,755	$2,442
9	Mortgage Research Center, LLC	73	6.5%	$5,572	$1,488	$763
10	CROSSCOUNTRY MORTGAGE, INC.	64	6.75%	$6,298	$2,737	$1,419
11	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	63	6.624%	$5,650	$2,420	$1,351
12	Barrington Bank & Trust Company, National Association	60	6.812%	$3,735	$975	$390
13	Stillman BancCorp N.A.	56	6.5%	$3,023	$550	$198
14	Members Alliance Credit Union	51	5.5%	$2,735	$195	$0
15	U.S. Bank National Association	49	6.5%	$3,881	$1,245	$555
16	Associated Bank, National Association	38	6.5%	$3,143	$900	$370
17	Midland States Bank	37	6.625%	$4,272	$1,295	$957
18	Byron Bank	27	n/a	n/a	n/a	n/a
19	Loandepot.Com, LLC	26	6.6%	$6,533	$2,723	$1,439
20	GUARANTEED RATE, INC.	24	6.612%	$4,444	$1,640	$1,778
21	CMG MORTGAGE, INC.	23	6.49%	$7,591	$2,681	$1,293
22	Navy Federal Credit Union	22	6.125%	$2,875	$0	$172
23	Rock Valley Credit Union	21	6.875%	$3,570	$275	n/a
24	BMO Bank National Association	19	6.75%	$4,571	$1,614	$364
25	The First National Bank and Trust Company	18	6.875%	$3,201	$958	$3,588
26	German-American State Bank	17	n/a	n/a	n/a	n/a
27	PNC Bank, National Association	16	6.312%	$3,943	$1,186	$399
28	PLAZA HOME MORTGAGE, INC.broker only	15	6.625%	$5,542	$1,922	$204
29	First Federal Bank	15	6.375%	$3,314	$695	n/a
30	COMPASS MORTGAGE, INC.	14	6.75%	$6,731	$2,213	$1,890
31	Broker Solutions, Inc.	13	6.875%	$6,233	$2,579	$1,442
32	Holcomb Bank	11	n/a	n/a	n/a	n/a
33	TOWNE MORTGAGE COMPANY	11	6.875%	$8,063	$2,830	$1,335
34	ILLINOIS STATE	11	6.5%	$2,919	$650	n/a
35	Fifth Third Bank, National Association	11	6.375%	$3,474	$1,295	n/a
36	First Community CU of Beloit	10	n/a	n/a	n/a	n/a
37	CONSUMERS COOPERATIVE CREDIT UNION	10	6.375%	$3,700	$1,100	n/a
38	MLD MORTGAGE INC.	10	6.688%	$4,019	$1,495	$407
39	TRIAD FINANCIAL SERVICES, INC.	10	8.635%	n/a	n/a	n/a
40	Union Savings Bank	10	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

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Winnebago figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Winnebago County, Illinois in 2025 was 6.625%, across 2,550 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.