BLOOMINGTON Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Bloomington averaged
6.9%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7% and
one month ago for the week of 2025-05-29, the
average rate was 7.12%.
Bloomington's average rate one year ago was 6.99%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Bloomington 30 Year Fixed Rate | 2025-07-03 | 6.9% |
| Bloomington 30 Year Fixed Rate Refi | 2025-07-03 | 7.08% |
| Bloomington 15 Year Fixed Rate | 2025-07-03 | 6.17% |
| Bloomington 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Bloomington 30 Year FHA | 2025-07-03 | 0.23% |
| Bloomington 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Bloomington 30 Year USDA | 2025-07-03 | -0.2% |
| Bloomington 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Bloomington 30 Year VA | 2025-07-03 | 0.03% |
| Bloomington 30 Year VA Refi | 2025-07-03 | 0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BLOOMINGTON, IL.
BLOOMINGTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BLOOMINGTON, IL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BLOOMINGTON Average Closing Costs & Other Stats
BLOOMINGTON, IL's 111 lenders originated 3,170
loans during 2024. The total origination value was $698,140,000, with an average loan value of
$220,233.
BLOOMINGTON's average closing costs are $3,286.
The top BLOOMINGTON lender as defined by loan originations is FIRST STATE MORTGAGE SERVICES, LLC, with
496 loans originated. Their average total fees are
$3,465, which is $1,939
higher than the next largest lender,
CITIZENS EQUITY FIRST.
The lowest fee BLOOMINGTON lenders (with over 10 loans originated) are
CITIZENS EQUITY FIRST ($1,526), Heartland Bank and Trust Company ($2,115), ILLINOIS STATE CREDIT UNION ($2,127), JPMorgan Chase Bank ($2,172) and Flanagan State Bank ($2,524).
The lowest rate BLOOMINGTON lenders (with over 10 loans originated) are
ILLINOIS STATE CREDIT UNION (6.35%), POINT Mortgage (6.39%), IAA Credit Union (6.41%), PROVIDENT FUNDING ASSOCIATES, L.P. (6.48%) and CITIZENS EQUITY FIRST (6.51%).
BLOOMINGTON, IL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FIRST STATE MORTGAGE SERVICES, LLC | $141,890,000 | $141,225,000 | -0.5% | 20.2% |
| GREYSTONE SERVICING COMPANY LLC | $89,840,000 | n/a | 12.9% | |
| CITIZENS EQUITY FIRST | $31,195,000 | $35,480,000 | 13.7% | 5.1% |
| QUICKEN LOANS, LLC | $21,725,000 | $25,585,000 | 17.8% | 3.7% |
| Morton Community Bank | $43,095,000 | $23,275,000 | -46.0% | 3.3% |
| PNC Bank | $19,970,000 | $22,635,000 | 13.3% | 3.2% |
| COMPASS MORTGAGE, INC. | $20,730,000 | $20,235,000 | -2.4% | 2.9% |
| First State Bank | $6,435,000 | $20,000,000 | 210.8% | 2.9% |
| ILLINOIS STATE CREDIT UNION | $11,725,000 | $15,240,000 | 30.0% | 2.2% |
| Busey Bank | $16,670,000 | $13,370,000 | -19.8% | 1.9% |
| Heartland Bank and Trust Company | $14,845,000 | $11,540,000 | -22.3% | 1.7% |
| IAA Credit Union | $11,015,000 | $11,060,000 | 0.4% | 1.6% |
| U.S. Bank | $6,240,000 | $10,635,000 | 70.4% | 1.5% |
| INB | $8,215,000 | $10,585,000 | 28.8% | 1.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $11,355,000 | $10,520,000 | -7.4% | 1.5% |
| POINT Mortgage | $85,000 | $10,175,000 | 11,870.6% | 1.5% |
| JPMorgan Chase Bank | $8,390,000 | $9,760,000 | 16.3% | 1.4% |
| Mortgage Research Center, LLC | $7,100,000 | $9,580,000 | 34.9% | 1.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,215,000 | $9,325,000 | 78.8% | 1.3% |
| First State Bank | $6,435,000 | $9,040,000 | 40.5% | 1.3% |
| Ixonia Bank | $8,945,000 | $8,615,000 | -3.7% | 1.2% |
| Flanagan State Bank | $6,720,000 | $8,375,000 | 24.6% | 1.2% |
| Bank of Pontiac | $8,700,000 | $8,095,000 | -7.0% | 1.2% |
| GUILD MORTGAGE COMPANY | $970,000 | $7,615,000 | 685.1% | 1.1% |
| Prairie State Bank and Trust | $6,595,000 | $6,225,000 | -5.6% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $1,500,000 | $5,960,000 | 297.3% | 0.9% |
| FLAT BRANCH MORTGAGE, INC. | $8,990,000 | $5,925,000 | -34.1% | 0.8% |
| BankChampaign, N.A. | $5,410,000 | n/a | 0.8% | |
| Commerce Bank | $2,465,000 | $5,395,000 | 118.9% | 0.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,875,000 | $4,860,000 | 69.0% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $2,705,000 | $4,455,000 | 64.7% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,730,000 | $3,750,000 | 116.8% | 0.5% |
| The Loan Store, Inc. | $1,530,000 | $3,405,000 | 122.5% | 0.5% |
| BROKER SOLUTIONS, INC. | $830,000 | $3,185,000 | 283.7% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $925,000 | $3,070,000 | 231.9% | 0.4% |
| Wells Fargo Bank | $4,365,000 | $3,035,000 | -30.5% | 0.4% |
| LOANDEPOT.COM, LLC | $885,000 | $3,010,000 | 240.1% | 0.4% |
| Old National Bank | $2,930,000 | $2,865,000 | -2.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,160,000 | $2,810,000 | 142.2% | 0.4% |
| GUARANTEED RATE, INC. | $2,920,000 | $2,800,000 | -4.1% | 0.4% |
| S1L, Inc. | $420,000 | $2,745,000 | 553.6% | 0.4% |
| Goodfield State Bank | $1,940,000 | $2,480,000 | 27.8% | 0.4% |
| NBKC BANK | $640,000 | $2,455,000 | 283.6% | 0.4% |
| First Financial Bank | $900,000 | $2,270,000 | 152.2% | 0.3% |
| First State Bank of Forrest | $2,135,000 | $2,270,000 | 6.3% | 0.3% |
| The Huntington National Bank | $1,245,000 | $1,975,000 | 58.6% | 0.3% |
| COMPEER FINANCIAL, FLCA | $1,020,000 | $1,840,000 | 80.4% | 0.3% |
| NEWREZ LLC | $720,000 | $1,785,000 | 147.9% | 0.3% |
| Regions Bank | $800,000 | $1,605,000 | 100.6% | 0.2% |
| Bank of Springfield | $575,000 | $1,560,000 | 171.3% | 0.2% |
| Bank of America | $1,415,000 | $1,545,000 | 9.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,105,000 | $1,530,000 | 38.5% | 0.2% |
| UNIVERSITY OF ILLINOIS COMMUNITY | $920,000 | $1,515,000 | 64.7% | 0.2% |
| USAA Federal Savings Bank | $825,000 | $1,515,000 | 83.6% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,395,000 | $1,485,000 | -38.0% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $1,520,000 | $1,450,000 | -4.6% | 0.2% |
| GREENSTATE CREDIT UNION | $25,000 | $1,450,000 | 5,700.0% | 0.2% |
| Mid-Illini Credit Union | $605,000 | $1,445,000 | 138.8% | 0.2% |
| Flagstar Bank, FSB | $3,865,000 | $1,315,000 | -66.0% | 0.2% |
| United Community Bank | $1,380,000 | $1,300,000 | -5.8% | 0.2% |
| Morgan Stanley Private Bank | $1,295,000 | n/a | 0.2% | |
| Discover Bank | $1,905,000 | $1,280,000 | -32.8% | 0.2% |
| Servion, Inc. | $75,000 | $1,120,000 | 1,393.3% | 0.2% |
| Hickory Point Bank and Trust | $475,000 | $1,100,000 | 131.6% | 0.2% |
| The Fisher National Bank | $640,000 | $1,080,000 | 68.8% | 0.2% |
| Fifth Third Bank | $525,000 | $1,025,000 | 95.2% | 0.1% |
| Figure Lending LLC | $450,000 | $1,000,000 | 122.2% | 0.1% |
| MORTGAGE ACCESS CORP. | $275,000 | $965,000 | 250.9% | 0.1% |
| BMO Harris Bank | $5,000 | $960,000 | 19,100.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $275,000 | $960,000 | 249.1% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $620,000 | $955,000 | 54.0% | 0.1% |
| MLD MORTGAGE INC. | $905,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,450,000 | $865,000 | -40.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $600,000 | $865,000 | 44.2% | 0.1% |
| DIGITAL Federal Credit Union | $825,000 | $845,000 | 2.4% | 0.1% |
| State Bank of Graymont | $950,000 | $805,000 | -15.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $185,000 | $785,000 | 324.3% | 0.1% |
| Bank of Gibson City | $865,000 | $785,000 | -9.2% | 0.1% |
| Carrington Mortgage Services, LLC | $250,000 | $785,000 | 214.0% | 0.1% |
| Prospect Bank | $755,000 | n/a | 0.1% | |
| Petefish, Skiles & Co. | $945,000 | $730,000 | -22.8% | 0.1% |
| DAS Acquisition Company, LLC | $990,000 | $725,000 | -26.8% | 0.1% |
| Fortress Bank | $225,000 | $725,000 | 222.2% | 0.1% |
| First Mid Bank & Trust | $280,000 | $700,000 | 150.0% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $690,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $675,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $665,000 | n/a | 0.1% | |
| First State Bank of St. Charles, Missouri | $615,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $610,000 | n/a | 0.1% | |
| Midland States Bank | $445,000 | $605,000 | 36.0% | 0.1% |
| Old Plank Trail Community Bank | $595,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $120,000 | $590,000 | 391.7% | 0.1% |
| The Federal Savings Bank | $570,000 | n/a | 0.1% | |
| Coastal Community Bank | $200,000 | $545,000 | 172.5% | 0.1% |
| TOWNE MORTGAGE COMPANY | $295,000 | $535,000 | 81.4% | 0.1% |
| Johnson Bank | $500,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $495,000 | n/a | 0.1% | |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | $115,000 | $480,000 | 317.4% | 0.1% |
| EMM LOANS LLC | $470,000 | n/a | 0.1% | |
| 1786 | $380,000 | $465,000 | 22.4% | 0.1% |
| First National Bank in Tremont | $105,000 | $460,000 | 338.1% | 0.1% |
| CIBM Bank | $5,910,000 | $455,000 | -92.3% | 0.1% |
| Equity Prime Mortgage LLC | $455,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $165,000 | $450,000 | 172.7% | 0.1% |
| PLANET HOME LENDING, LLC | $420,000 | $430,000 | 2.4% | 0.1% |
| Better Banks | $425,000 | n/a | 0.1% | |
| The Dart Bank | $425,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $245,000 | $420,000 | 71.4% | 0.1% |
| Network Funding, L.P. | $415,000 | n/a | 0.1% | |
| Carrollton Bank | $1,045,000 | $405,000 | -61.2% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,015,000 | $405,000 | -60.1% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $165,000 | $395,000 | 139.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $375,000 | n/a | 0.1% | |
| Stride Bank | $375,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $375,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $370,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $365,000 | n/a | 0.1% | |
| Plains Commerce Bank | $585,000 | $365,000 | -37.6% | 0.1% |
| Citizens Bank | $75,000 | $355,000 | 373.3% | 0.1% |
| The Central Trust Bank | $355,000 | n/a | 0.1% | |
| First Federal Savings Bank | $340,000 | n/a | 0.0% | |
| Bank of Hillsboro | $335,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $195,000 | $335,000 | 71.8% | 0.0% |
| UNION HOME MORTGAGE CORP. | $105,000 | $325,000 | 209.5% | 0.0% |
| SCOTT CREDIT UNION | $315,000 | n/a | 0.0% | |
| COLORADO CREDIT UNION | $295,000 | n/a | 0.0% | |
| UIF CORPORATION | $215,000 | $295,000 | 37.2% | 0.0% |
| First Federal Bank | $295,000 | $285,000 | -3.4% | 0.0% |
| HEARTLAND | $445,000 | $280,000 | -37.1% | 0.0% |
| Central Bank Illinois | $205,000 | $275,000 | 34.1% | 0.0% |
| DECATUR EARTHMOVER CREDIT UNION | $275,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $265,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $265,000 | n/a | 0.0% | |
| Northpointe Bank | $265,000 | n/a | 0.0% | |
| Bankers' Bank | $380,000 | $260,000 | -31.6% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $180,000 | $250,000 | 38.9% | 0.0% |
| GERSHMAN INVESTMENT CORP. | $245,000 | n/a | 0.0% | |
| CBI Bank & Trust | $295,000 | $235,000 | -20.3% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $650,000 | $230,000 | -64.6% | 0.0% |
| Peoples Bank | $225,000 | n/a | 0.0% | |
| STATE BANK OFTOULON | $225,000 | n/a | 0.0% | |
| Ally Bank | $320,000 | $215,000 | -32.8% | 0.0% |
| CoVantage Credit Union | $205,000 | n/a | 0.0% | |
| Federated Bank | $205,000 | n/a | 0.0% | |
| Home State Bank | $195,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $185,000 | $195,000 | 5.4% | 0.0% |
| Prosperity Home Mortgage, LLC | $355,000 | $195,000 | -45.1% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $280,000 | $185,000 | -33.9% | 0.0% |
| Bank Five Nine | $185,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $330,000 | $185,000 | -43.9% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $165,000 | $165,000 | 0.0% | 0.0% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $225,000 | $165,000 | -26.7% | 0.0% |
| Mid-Missouri Bank | $165,000 | n/a | 0.0% | |
| MLB RESIDENTIAL LENDING, LLC | $165,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $165,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $290,000 | $160,000 | -44.8% | 0.0% |
| ENVOY MORTGAGE, LTD | $215,000 | $155,000 | -27.9% | 0.0% |
| First National Bank of Pana | $155,000 | n/a | 0.0% | |
| Peoples Bank of Kankakee County | $155,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $155,000 | $155,000 | 0.0% | 0.0% |
| National Bank of St. Anne | $145,000 | n/a | 0.0% | |
| POLISH & SLAVIC FEDERAL CREDIT UNION | $145,000 | n/a | 0.0% | |
| Wolfe Financial, Inc | $145,000 | n/a | 0.0% | |
| University of Wisconsin Credit Union | $140,000 | n/a | 0.0% | |
| Community Mortgage Banc Corporation | $115,000 | $135,000 | 17.4% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| 1ST MIDAMERICA | $115,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $115,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $115,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $105,000 | n/a | 0.0% | |
| HANSCOM | $105,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $95,000 | $105,000 | 10.5% | 0.0% |
| ALLIANT CREDIT UNION | $100,000 | n/a | 0.0% | |
| MidAmerica National Bank | $95,000 | $95,000 | 0.0% | 0.0% |
| Peoples Bank | $95,000 | n/a | 0.0% | |
| First American Bank | $380,000 | $90,000 | -76.3% | 0.0% |
| ASCENTRA | $85,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $85,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $85,000 | n/a | 0.0% | |
| Associated Bank | $75,000 | n/a | 0.0% | |
| COMMUNITY STATE BANK | $75,000 | n/a | 0.0% | |
| Streator Onized Credit Union | $230,000 | $70,000 | -69.6% | 0.0% |
| Signature Federal Credit Union | $65,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $25,000 | $50,000 | 100.0% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $35,000 | $45,000 | 28.6% | 0.0% |
| Southwest Airlines Federal Credit Union | $35,000 | n/a | 0.0% | |
| Baxter Credit Union | $25,000 | n/a | 0.0% |
BLOOMINGTON's top lender by overall market share is FIRST STATE MORTGAGE SERVICES, LLC, with 20.2% market share. In second place, with 12.9%, is GREYSTONE SERVICING COMPANY LLC, having originated $89,840,000 in loans. In third place, with 5.1%, is CITIZENS EQUITY FIRST, having originated $35,480,000 in loans. In fourth place, with 3.7%, is QUICKEN LOANS, LLC, having originated $25,585,000 in loans. In fifth place, with 3.3%, is Morton Community Bank, having originated $23,275,000 in loans.
BLOOMINGTON Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - BLOOMINGTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $171,950 (16.9%) | $202,938 (3.7%) | 0.64 | 716 |
| 2018-02-01 | $179,950 (19.2%) | $213,189 (4.2%) | 0.65 | 774 |
| 2018-03-01 | $184,900 (12.1%) | $218,014 (2.4%) | 0.65 | 856 |
| 2018-04-01 | $189,000 (8.0%) | $221,071 (2.1%) | 0.64 | 935 |
| 2018-05-01 | $187,900 (7.4%) | $216,824 (2.0%) | 0.63 | 964 |
| 2018-06-01 | $186,000 (7.1%) | $215,032 (1.6%) | 0.62 | 975 |
| 2018-07-01 | $182,450 (5.8%) | $212,242 (1.0%) | 0.61 | 997 |
| 2018-08-01 | $179,900 (8.6%) | $209,457 (2.0%) | 0.60 | 945 |
| 2018-09-01 | $174,900 (3.5%) | $209,379 (1.2%) | 0.59 | 901 |
| 2018-10-01 | $168,000 (-1.2%) | $205,548 (-1.4%) | 0.57 | 847 |
| 2018-11-01 | $162,400 (-3.4%) | $204,031 (0.2%) | 0.55 | 790 |
| 2018-12-01 | $157,250 (-4.7%) | $193,801 (-3.9%) | 0.54 | 680 |
| 2019-01-01 | $159,900 (-7.0%) | $193,507 (-4.7%) | 0.55 | 610 |
| 2019-02-01 | $163,700 (-9.0%) | $197,698 (-7.3%) | 0.55 | 554 |
| 2019-03-01 | $169,900 (-8.1%) | $205,622 (-5.7%) | 0.56 | 599 |
| 2019-04-01 | $169,900 (-10.1%) | $204,820 (-7.4%) | 0.54 | 658 |
| 2019-05-01 | $165,750 (-11.8%) | $202,857 (-6.4%) | 0.52 | 714 |
| 2019-06-01 | $167,250 (-10.1%) | $203,448 (-5.4%) | 0.52 | 736 |
| 2019-07-01 | $169,900 (-6.9%) | $207,264 (-2.4%) | 0.53 | 749 |
| 2019-08-01 | $167,173 (-7.1%) | $206,004 (-1.7%) | 0.53 | 720 |
| 2019-09-01 | $163,082 (-6.8%) | $202,267 (-3.4%) | 0.52 | 682 |
| 2019-10-01 | $159,925 (-4.8%) | $200,366 (-2.5%) | 0.52 | 656 |
| 2019-11-01 | $158,250 (-2.6%) | $200,077 (-1.9%) | 0.52 | 560 |
| 2019-12-01 | $149,950 (-4.6%) | $197,342 (1.8%) | 0.50 | 497 |
| 2020-01-01 | $150,675 (-5.8%) | $200,228 (3.5%) | 0.50 | 456 |
| 2020-02-01 | $159,500 (-2.6%) | $199,541 (0.9%) | 0.52 | 445 |
| 2020-03-01 | $166,938 (-1.7%) | $212,795 (3.5%) | 0.52 | 469 |
| 2020-04-01 | $174,900 (2.9%) | $218,562 (6.7%) | 0.55 | 431 |
| 2020-05-01 | $165,000 (-0.5%) | $219,132 (8.0%) | 0.50 | 402 |
| 2020-06-01 | $168,621 (0.8%) | $217,251 (6.8%) | 0.50 | 372 |
| 2020-07-01 | $170,600 (0.4%) | $225,341 (8.7%) | 0.49 | 349 |
| 2020-08-01 | $159,900 (-4.4%) | $217,269 (5.5%) | 0.46 | 335 |
| 2020-09-01 | $150,975 (-7.4%) | $206,863 (2.3%) | 0.43 | 320 |
| 2020-10-01 | $139,900 (-12.5%) | $198,948 (-0.7%) | 0.40 | 288 |
| 2020-11-01 | $142,750 (-9.8%) | $198,205 (-0.9%) | 0.42 | 273 |
| 2020-12-01 | $137,450 (-8.3%) | $191,519 (-3.0%) | 0.41 | 234 |
| 2021-01-01 | $135,000 (-10.4%) | $186,380 (-6.9%) | 0.40 | 199 |
| 2021-02-01 | $141,000 (-11.6%) | $204,275 (2.4%) | 0.41 | 170 |
| 2021-03-01 | $147,500 (-11.6%) | $219,262 (3.0%) | 0.42 | 152 |
| 2021-04-01 | $163,675 (-6.4%) | $238,165 (9.0%) | 0.44 | 149 |
| 2021-05-01 | $179,900 (9.0%) | $253,087 (15.5%) | 0.48 | 149 |
| 2021-06-01 | $177,425 (5.2%) | $257,306 (18.4%) | 0.47 | 157 |
| 2021-07-01 | $175,000 (2.6%) | $256,180 (13.7%) | 0.46 | 169 |
| 2021-08-01 | $164,825 (3.1%) | $238,062 (9.6%) | 0.44 | 186 |
| 2021-09-01 | $165,000 (9.3%) | $237,430 (14.8%) | 0.44 | 179 |
| 2021-10-01 | $149,750 (7.0%) | $208,996 (5.1%) | 0.40 | 167 |
| 2021-11-01 | $150,250 (5.3%) | $222,718 (12.4%) | 0.40 | 151 |
| 2021-12-01 | $147,450 (7.3%) | $234,114 (22.2%) | 0.40 | 130 |
| 2022-01-01 | $148,500 (10.0%) | $237,873 (27.6%) | 0.40 | 101 |
| 2022-02-01 | $152,425 (8.1%) | $239,794 (17.4%) | 0.40 | 87 |
| 2022-03-01 | $202,450 (37.3%) | $276,655 (26.2%) | 0.51 | 77 |
| 2022-04-01 | $220,000 (34.4%) | $310,561 (30.4%) | 0.52 | 89 |
| 2022-05-01 | $239,950 (33.4%) | $314,133 (24.1%) | 0.55 | 114 |
| 2022-06-01 | $247,450 (39.5%) | $308,392 (19.9%) | 0.55 | 143 |
| 2022-07-01 | $250,000 (42.9%) | $307,374 (20.0%) | 0.56 | 145 |
| 2022-08-01 | $211,075 (28.1%) | $294,031 (23.5%) | 0.49 | 149 |
| 2022-09-01 | $257,225 (55.9%) | $309,798 (30.5%) | 0.60 | 156 |
| 2022-10-01 | $280,000 (87.0%) | $321,025 (53.6%) | 0.66 | 180 |
| 2022-11-01 | $301,825 (100.9%) | $329,794 (48.1%) | 0.73 | 177 |
| 2022-12-01 | $304,900 (106.8%) | $331,855 (41.8%) | 0.75 | 163 |
| 2023-01-01 | $328,150 (121.0%) | $352,816 (48.3%) | 0.81 | 145 |
| 2023-02-01 | $354,225 (132.4%) | $367,769 (53.4%) | 0.85 | 138 |
| 2023-03-01 | $337,450 (66.7%) | $348,626 (26.0%) | 0.80 | 142 |
| 2023-04-01 | $339,900 (54.5%) | $351,329 (13.1%) | 0.79 | 172 |
| 2023-05-01 | $325,000 (35.4%) | $351,689 (12.0%) | 0.74 | 186 |
| 2023-06-01 | $331,225 (33.9%) | $350,158 (13.5%) | 0.74 | 186 |
| 2023-07-01 | $329,900 (32.0%) | $366,500 (19.2%) | 0.75 | 198 |
| 2023-08-01 | $347,400 (64.6%) | $373,280 (27.0%) | 0.80 | 207 |
| 2023-09-01 | $334,750 (30.1%) | $393,238 (26.9%) | 0.78 | 207 |
| 2023-10-01 | $311,225 (11.2%) | $372,583 (16.1%) | 0.73 | 218 |
| 2023-11-01 | $310,000 (2.7%) | $364,776 (10.6%) | 0.74 | 218 |
| 2023-12-01 | $324,900 (6.6%) | $387,688 (16.8%) | 0.79 | 169 |
| 2024-01-01 | $352,450 (7.4%) | $408,884 (15.9%) | 0.86 | 142 |
| 2024-02-01 | $344,900 (-2.6%) | $397,749 (8.2%) | 0.83 | 147 |
| 2024-03-01 | $355,000 (5.2%) | $400,338 (14.8%) | 0.84 | 158 |
| 2024-04-01 | $353,675 (4.1%) | $399,147 (13.6%) | 0.82 | 164 |
| 2024-05-01 | $367,475 (13.1%) | $395,113 (12.4%) | 0.84 | 173 |
| 2024-06-01 | $349,900 (5.6%) | $384,578 (9.8%) | 0.80 | 204 |
| 2024-07-01 | $353,675 (7.2%) | $386,734 (5.5%) | 0.81 | 214 |
| 2024-08-01 | $332,000 (-4.4%) | $354,233 (-5.1%) | 0.77 | 197 |
| 2024-09-01 | $305,950 (-8.6%) | $329,109 (-16.3%) | 0.72 | 206 |
| 2024-10-01 | $288,575 (-7.3%) | $323,052 (-13.3%) | 0.68 | 204 |
| 2024-11-01 | $275,000 (-11.3%) | $315,370 (-13.5%) | 0.66 | 191 |
| 2024-12-01 | $268,750 (-17.3%) | $314,213 (-19.0%) | 0.67 | 148 |
| 2025-01-01 | $291,000 (-17.4%) | $338,171 (-17.3%) | 0.73 | 139 |
| 2025-02-01 | $303,700 (-12.0%) | $343,196 (-13.7%) | 0.74 | 123 |
| 2025-03-01 | $319,950 (-9.9%) | $354,596 (-11.4%) | 0.75 | 122 |
| 2025-04-01 | $317,500 (-10.2%) | $354,509 (-11.2%) | 0.74 | 130 |
| 2025-05-01 | $327,400 (-10.9%) | $361,279 (-8.6%) | 0.74 | 142 |
BLOOMINGTON's median listing price for 2025-05-01 was $327,400, a difference of
$-40,075
(-10.9%) versus the prior year and
$9,900 versus the prior month.
BLOOMINGTON's median listing price comes in at 74% of the national average.
BLOOMINGTON's average listing price for 2025-05-01 was $361,279, a difference of $-33,834 (-8.6%) versus the prior year and $6,770 versus the prior month.
For the 2025-05-01 period, BLOOMINGTON had 142 MLS listings, a difference of 12 listings (9%) versus the prior month and -31 listings (-18%) versus the prior year.
BLOOMINGTON's median listing price comes in at 74% of the national average.
BLOOMINGTON's average listing price for 2025-05-01 was $361,279, a difference of $-33,834 (-8.6%) versus the prior year and $6,770 versus the prior month.
For the 2025-05-01 period, BLOOMINGTON had 142 MLS listings, a difference of 12 listings (9%) versus the prior month and -31 listings (-18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - BLOOMINGTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 93 days | 2,695 sqft |
| 2018-02-01 | 82 days | 2,827 sqft |
| 2018-03-01 | 53 days | 2,862 sqft |
| 2018-04-01 | 56 days | 2,881 sqft |
| 2018-05-01 | 60 days | 2,872 sqft |
| 2018-06-01 | 58 days | 2,856 sqft |
| 2018-07-01 | 62 days | 2,811 sqft |
| 2018-08-01 | 66 days | 2,799 sqft |
| 2018-09-01 | 71 days | 2,781 sqft |
| 2018-10-01 | 72 days | 2,757 sqft |
| 2018-11-01 | 77 days | 2,685 sqft |
| 2018-12-01 | 86 days | 2,606 sqft |
| 2019-01-01 | 92 days | 2,555 sqft |
| 2019-02-01 | 85 days | 1,681 sqft |
| 2019-03-01 | 62 days | 1,747 sqft |
| 2019-04-01 | 50 days | 1,748 sqft |
| 2019-05-01 | 53 days | 1,767 sqft |
| 2019-06-01 | 58 days | 1,826 sqft |
| 2019-07-01 | 58 days | 1,880 sqft |
| 2019-08-01 | 61 days | 1,872 sqft |
| 2019-09-01 | 67 days | 1,853 sqft |
| 2019-10-01 | 71 days | 1,840 sqft |
| 2019-11-01 | 80 days | 1,872 sqft |
| 2019-12-01 | 87 days | 1,828 sqft |
| 2020-01-01 | 89 days | 1,827 sqft |
| 2020-02-01 | 76 days | 1,839 sqft |
| 2020-03-01 | 52 days | 1,958 sqft |
| 2020-04-01 | 59 days | 1,958 sqft |
| 2020-05-01 | 65 days | 2,021 sqft |
| 2020-06-01 | 59 days | 2,142 sqft |
| 2020-07-01 | 46 days | 2,108 sqft |
| 2020-08-01 | 45 days | 2,038 sqft |
| 2020-09-01 | 49 days | 1,922 sqft |
| 2020-10-01 | 50 days | 1,904 sqft |
| 2020-11-01 | 57 days | 1,908 sqft |
| 2020-12-01 | 63 days | 1,764 sqft |
| 2021-01-01 | 60 days | 1,768 sqft |
| 2021-02-01 | 57 days | 1,876 sqft |
| 2021-03-01 | 46 days | 1,960 sqft |
| 2021-04-01 | 33 days | 1,961 sqft |
| 2021-05-01 | 33 days | 2,111 sqft |
| 2021-06-01 | 41 days | 2,121 sqft |
| 2021-07-01 | 39 days | 2,148 sqft |
| 2021-08-01 | 38 days | 2,087 sqft |
| 2021-09-01 | 45 days | 2,105 sqft |
| 2021-10-01 | 50 days | 1,872 sqft |
| 2021-11-01 | 49 days | 1,903 sqft |
| 2021-12-01 | 48 days | 1,878 sqft |
| 2022-01-01 | 57 days | 1,780 sqft |
| 2022-02-01 | 50 days | 1,729 sqft |
| 2022-03-01 | 42 days | 2,091 sqft |
| 2022-04-01 | 31 days | 2,199 sqft |
| 2022-05-01 | 31 days | 2,170 sqft |
| 2022-06-01 | 35 days | 2,290 sqft |
| 2022-07-01 | 37 days | 2,313 sqft |
| 2022-08-01 | 39 days | 2,128 sqft |
| 2022-09-01 | 38 days | 2,228 sqft |
| 2022-10-01 | 38 days | 2,336 sqft |
| 2022-11-01 | 47 days | 2,303 sqft |
| 2022-12-01 | 54 days | 2,314 sqft |
| 2023-01-01 | 63 days | 2,327 sqft |
| 2023-02-01 | 61 days | 2,274 sqft |
| 2023-03-01 | 49 days | 2,186 sqft |
| 2023-04-01 | 42 days | 2,208 sqft |
| 2023-05-01 | 42 days | 2,211 sqft |
| 2023-06-01 | 52 days | 2,247 sqft |
| 2023-07-01 | 48 days | 2,408 sqft |
| 2023-08-01 | 49 days | 2,505 sqft |
| 2023-09-01 | 50 days | 2,576 sqft |
| 2023-10-01 | 51 days | 2,506 sqft |
| 2023-11-01 | 48 days | 2,509 sqft |
| 2023-12-01 | 65 days | 2,512 sqft |
| 2024-01-01 | 81 days | 2,605 sqft |
| 2024-02-01 | 64 days | 2,512 sqft |
| 2024-03-01 | 44 days | 2,678 sqft |
| 2024-04-01 | 43 days | 2,570 sqft |
| 2024-05-01 | 34 days | 2,512 sqft |
| 2024-06-01 | 38 days | 2,568 sqft |
| 2024-07-01 | 45 days | 2,520 sqft |
| 2024-08-01 | 45 days | 2,362 sqft |
| 2024-09-01 | 41 days | 2,281 sqft |
| 2024-10-01 | 43 days | 2,223 sqft |
| 2024-11-01 | 49 days | 2,167 sqft |
| 2024-12-01 | 58 days | 2,109 sqft |
| 2025-01-01 | 58 days | 2,169 sqft |
| 2025-02-01 | 60 days | 2,214 sqft |
| 2025-03-01 | 37 days | 2,264 sqft |
| 2025-04-01 | 31 days | 2,406 sqft |
| 2025-05-01 | 32 days | 2,449 sqft |
BLOOMINGTON's median listing age (time on market) for 2025-05-01 was 32 days.
This
is -6%
shorter
than the same period one year ago.
BLOOMINGTON's median square footage for active listings during the 2025-05-01 period was 2,449 sqft. One year prior, the average listing was 2,512 sqft.
BLOOMINGTON's median square footage for active listings during the 2025-05-01 period was 2,449 sqft. One year prior, the average listing was 2,512 sqft.
BLOOMINGTON, IL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,089 | $552,695,000 | $264,574 |
| Refi | 341 | $67,365,000 | $197,551 |
| Cash Out Refi | 275 | $42,005,000 | $152,745 |
| Home Improvement | 242 | $17,920,000 | $74,050 |
| Other | 223 | $18,155,000 | $81,413 |
Bloomington's most frequently cited loan purpose was Home Purchase, with 2,089 originations. The 2nd most popular reason was Refi, with 341 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,425 | $314,115,000 | $220,432 |
| 7-8% | 708 | $148,700,000 | $210,028 |
| Over 8% | 524 | $41,620,000 | $79,427 |
| 5-6% | 298 | $156,240,000 | $524,295 |
| <2.5% | 41 | $375,000 | $9,146 |
| 4-5% | 29 | $6,705,000 | $231,207 |
| 2.5-3% | 21 | $2,385,000 | $113,571 |
| 3-4% | 3 | $315,000 | $105,000 |
During 2024, Bloomington's most frequently originated rate bucket was 6-7%, with 1,425 originations.
Loan Sizing (BLOOMINGTON, IL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,130 | $167,980,000 | $148,655 |
| $200k-400k | 1,060 | $287,960,000 | $271,660 |
| $100,000 or less | 783 | $43,895,000 | $56,060 |
| $400k-600k | 167 | $77,945,000 | $466,737 |
| $600k-1000k | 21 | $15,035,000 | $715,952 |
| $Over $1MM | 9 | $105,325,000 | $11,702,778 |
BLOOMINGTON's loan sizing saw the bucket of loans from $100k-200k with 1,130 originations, totaling $167,980,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,375 | $321,135,000 | $233,553 |
| 60-80% | 769 | $238,085,000 | $309,603 |
| 20-40% | 326 | $26,390,000 | $80,951 |
| Under 20% | 285 | $12,365,000 | $43,386 |
| 40-60% | 245 | $59,045,000 | $241,000 |
| Over 100% | 26 | $7,960,000 | $306,154 |
BLOOMINGTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,375 originations, totaling $321,135,000 in origination value.