CARBONDALE - MARION Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Carbondale - Marion averaged 6.93% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.87% and one month ago for the week of 2023-08-10, the average rate was 6.91%.

Carbondale - Marion's average rate one year ago was 5.54%.

For refis of the same type during the week of 2023-09-14, the average rate was 6.29%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Carbondale - Marion 30 Year Fixed Rate 2023-09-14 6.93%
Carbondale - Marion 30 Year Fixed Rate Refi 2023-09-14 6.29%
Carbondale - Marion 15 Year Fixed Rate 2023-09-14 6.5%
Carbondale - Marion 15 Year Fixed Rate Refi 2023-09-14 6.51%
Carbondale - Marion 30 Year FHA 2023-09-14 6.46%
Carbondale - Marion 30 Year FHA Refi 2023-09-14 7.19%
Carbondale - Marion 30 Year USDA 2023-09-14 6.41%
Carbondale - Marion 30 Year USDA Refi 2023-09-14 7.18%
Carbondale - Marion 30 Year VA 2023-09-14 6.53%
Carbondale - Marion 30 Year VA Refi 2023-09-14 6.71%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CARBONDALE-MARION, IL.

CARBONDALE - MARION 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 CARBONDALE-MARION, 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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
U.S. Bank 77 5.14% $2,650
SIU 64 4.82% $1,731
Peoples National Bank , N.A. 50 4.80% $2,275
Banterra Bank 44 5.37% $2,681
QUICKEN LOANS, LLC 42 4.84% $5,037
Community Mortgage Banc Corporation 29 5.08% $2,774
Regions Bank 26 5.37% $2,895
GUILD MORTGAGE COMPANY 24 6.34% $3,016
GUARANTEED RATE, INC. 20 4.89% $4,028
Flagstar Bank, FSB 19 4.96% $2,598
First Mid Bank & Trust 19 4.61% $1,966
FLAT BRANCH MORTGAGE, INC. 17 4.81% $2,414
GERSHMAN INVESTMENT CORP. 15 4.99% $3,886
Wells Fargo Bank 12 4.86% $2,789
JPMorgan Chase Bank 9 4.65% $2,929
Town & Country Banc Mortgage Services 9 5.02% $2,409
ROYAL UNITED MORTGAGE LLC 6 5.77% $5,043
DAS Acquisition Company, LLC 6 5.21% $4,289
Fifth Third Bank 5 4.87% $3,058
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.12% $3,023
AMERICAN FINANCING CORPORATION 5 5.05% $5,075
PNC Bank 5 5.25% $2,950
BROKER SOLUTIONS, INC. 4 5.91% $5,894
EVANSVILLE TEACHERS 4 4.22% $2,633
UNITED WHOLESALE MORTGAGE, LLC 4 4.59% $7,703
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.03% $3,394
NAVY FEDERAL CREDIT UNION 4 5.19% $3,941
Mortgage Research Center, LLC 4 5.19% $2,668
LOANDEPOT.COM, LLC 4 5.09% $6,202
AMERISAVE MORTGAGE CORPORATION 3 4.75% $6,085
Mr. Cooper ( Nationstar Mortgage ) 3 3.54% $4,683
Arvest Bank 3 5.67% $4,871
BETTER MORTGAGE CORPORATION 3 3.71% $3,905
CRESCENT MORTGAGE COMPANY 3 3.29% $2,098
PENNYMAC LOAN SERVICES, LLC 2 5.62% $5,883
AmeriHome Mortgage Company, LLC 2 5.93% $3,386
Associated Bank 2 4.06% $3,602
Bank of England 2 5.06% $4,065
BMO Harris Bank 2 4.50% $3,871
Carrington Mortgage Services, LLC 2 4.69% $4,557
CHURCHILL MORTGAGE CORPORATION 2 3.63% $6,683
CITIZENS EQUITY FIRST 2 4.38% $1,428
Credit Union 1 2 4.75% $3,492
CROSSCOUNTRY MORTGAGE, LLC 2 4.85% $5,358
ENDEAVOR CAPITAL, LLC. 2 4.75% $5,789
Farm Credit Mid-America, ACA 2 5.08% $6,560
First Bank 2 4.63% $2,622
First Option Mortgage, LLC 2 4.19% $3,559
GREAT LAKES 2 6.94% $3,261
HOME POINT FINANCIAL CORPORATION 2 5.62% $3,269
MUTUAL OF OMAHA MORTGAGE, INC. 2 5.75% $3,601
SCOTT CREDIT UNION 2 5.37% $2,870
Southern Bank 2 5.88% $2,043
Truist 2 4.96% $3,751
USAA Federal Savings Bank 2 6.31% $2,755
ZILLOW HOME LOANS, LLC 2 4.81% $4,105
Third Federal Savings and Loan Association of Cleveland 1 2.39% $2,905
First State Bank 1 4.13% $1,987
First State Bank of St. Charles, Missouri 1 5.49% $3,382
Devon Bank 1 5.00% $5,145
DELMAR FINANCIAL COMPANY 1 3.50% $2,329
CNB Bank And Trust, N.A. 1 3.75% $1,966
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 5.38% $3,210
CMG MORTGAGE, INC. 1 5.75% $3,203
Civista Bank 1 4.49% $2,466
HEARTLAND 1 3.88% $3,133
Heartland Bank and Trust Company 1 6.00% $2,701
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.49% $10,109
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.63% $3,140
Hometown Lenders, Inc. 1 6.37% $6,960
ILLINOIS STATE CREDIT UNION 1 6.63% $1,902
IOWA BANKERS MORTGAGE CORPORATION 1 5.50% $2,490
Citizens Bank 1 3.38% $2,571
CIBM Bank 1 4.38% $2,815
MEMBER HOME LOAN, L.L.C. 1 4.75% $7,364
MICHIGAN MUTUAL, INC. 1 5.38% $3,369
Midland States Bank 1 6.13% $3,059
CB&S Bank, Inc. 1 3.75% $2,768
Carrollton Bank 1 3.13% $3,091
M&T Bank 1 2.88% $2,259
Amarillo National Bank 1 5.88% $2,671
CARDINAL FINANCIAL 1 5.75% $6,257
NexBank 1 5.38% $2,841
North American Savings Bank, F.S.B. 1 6.50% $8,581
Northwest Bank 1 4.25% $3,441
NP, Inc. 1 9.75% $5,656
Old Second National Bank 1 4.38% $2,529
21ST MORTGAGE CORPORATION 1 4.75% $5,638
PENTAGON FEDERAL CREDIT UNION 1 5.50% $1,601
CALIBER HOME LOANS, INC. 1 3.88% $2,559
BOKF 1 4.63% $4,500
PREMIA MORTGAGE, LLC 1 3.95% $4,672
Beeline Loans, Inc. 1 4.25% $2,558
Barrington Bank & Trust Company, N.A. 1 5.75% $3,385
Bank of Springfield 1 3.28% $1,876
Bank of America 1 5.38% $3,861
ALLIANT CREDIT UNION 1 3.63% $4,939
Semper Home Loans, Inc. 1 5.38% $1,911
Sierra Pacific Mortgage Company, Inc. 1 6.38% $2,203
Ameris Bank 1 3.63% $3,477
Ally Bank 1 7.63% $1,965
Stifel Bank and Trust 1 3.88% $2,554
The Central Trust Bank 1 5.49% $5,546
The Federal Savings Bank 1 6.13% $3,537
The First National Bank and Trust Company 1 5.63% $1,559
DRAPER AND KRAMER MORTGAGE CORP. 1 4.00% $2,300
Discover Bank 1 7.49% $0
The Paducah Bank and Trust Company 1 4.35% $2,589
DIRECT MORTGAGE LOANS, LLC 1 6.63% $6,032
Think Mutual Bank 1 5.50% $5,340
FIRST CENTENNIAL MORTGAGE CORPORATION 1 4.25% $2,632
First Financial Bank 1 6.88% $2,974
First Financial Bank 1 5.50% $2,853
First Financial Credit Union 1 5.50% $4,921
Dieterich Bank 1 4.49% $1,859
First National Bank of America 1 8.00% $6,661

CARBONDALE - MARION Average Closing Costs & Other Stats

CARBONDALE-MARION, IL's 116 lenders originated 2,244 loans during 2022. The total origination value was $366,930,000, with an average loan value of $163,516.

CARBONDALE - MARION's average closing costs are $3,609.

The top CARBONDALE - MARION lender as defined by loan originations is U.S. Bank, with 77 loans originated. Their average total fees are $2,650, which is $920 higher than the next largest lender, SIU.

The lowest fee CARBONDALE - MARION lenders (with over 10 loans originated) are SIU ($1,731), First Mid Bank & Trust ($1,966), Peoples National Bank , N.A. ($2,275), FLAT BRANCH MORTGAGE, INC. ($2,414) and Flagstar Bank, FSB ($2,598).

The lowest rate CARBONDALE - MARION lenders (with over 10 loans originated) are First Mid Bank & Trust (4.61%), Peoples National Bank , N.A. (4.80%), FLAT BRANCH MORTGAGE, INC. (4.81%), SIU (4.82%) and QUICKEN LOANS, LLC (4.84%).

CARBONDALE-MARION, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FIRST SOUTHERN BANK. $32,765,000 $24,540,000 -25.1% 6.7%
U.S. Bank $43,100,000 $22,195,000 -48.5% 6.0%
QUICKEN LOANS, LLC $37,330,000 $18,470,000 -50.5% 5.0%
SIU $15,995,000 $16,140,000 0.9% 4.4%
Mortgage Research Center, LLC $15,815,000 $15,790,000 -0.2% 4.3%
Farmers State Bank of Alto Pass $28,800,000 $14,000,000 -51.4% 3.8%
Peoples National Bank , N.A. $27,780,000 $13,925,000 -49.9% 3.8%
SouthernTrust Bank $12,005,000 $12,685,000 5.7% 3.5%
Murphy-Wall State Bank and Trust Company $12,690,000 $11,635,000 -8.3% 3.2%
Flagstar Bank, FSB $7,385,000 $9,785,000 32.5% 2.7%
American National Bank $9,525,000 n/a 2.6%
Banterra Bank $13,965,000 $9,520,000 -31.8% 2.6%
GERSHMAN INVESTMENT CORP. $7,615,000 $9,280,000 21.9% 2.5%
INB $515,000 $8,520,000 1,554.4% 2.3%
Regions Bank $8,285,000 $8,285,000 0.0% 2.3%
Community Bank Mankato $8,005,000 n/a 2.2%
GUARANTEED RATE, INC. $9,465,000 $7,935,000 -16.2% 2.2%
First State Bank of Campbell Hill $3,485,000 $7,630,000 118.9% 2.1%
GUILD MORTGAGE COMPANY $1,325,000 $7,285,000 449.8% 2.0%
First Mid Bank & Trust $7,415,000 $6,345,000 -14.4% 1.7%
Legence Bank $7,795,000 $6,280,000 -19.4% 1.7%
FLAT BRANCH MORTGAGE, INC. $990,000 $5,775,000 483.3% 1.6%
Community Mortgage Banc Corporation $13,725,000 $5,610,000 -59.1% 1.5%
The Paducah Bank and Trust Company $3,865,000 $4,370,000 13.1% 1.2%
Wells Fargo Bank $4,095,000 $3,585,000 -12.5% 1.0%
NAVY FEDERAL CREDIT UNION $4,155,000 $3,465,000 -16.6% 0.9%
LOANDEPOT.COM, LLC $4,940,000 $3,430,000 -30.6% 0.9%
USAA Federal Savings Bank $3,590,000 $2,930,000 -18.4% 0.8%
Fifth Third Bank $2,895,000 $2,840,000 -1.9% 0.8%
PENNYMAC LOAN SERVICES, LLC $3,280,000 $2,720,000 -17.1% 0.7%
Hometown Lenders, Inc. $975,000 $2,715,000 178.5% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $2,395,000 $2,425,000 1.3% 0.7%
Town & Country Banc Mortgage Services, Inc. $1,200,000 $2,330,000 94.2% 0.6%
BROKER SOLUTIONS, INC. $3,685,000 $2,200,000 -40.3% 0.6%
First Option Mortgage, LLC $1,730,000 $1,990,000 15.0% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $2,180,000 $1,980,000 -9.2% 0.5%
DAS Acquisition Company, LLC $2,100,000 $1,825,000 -13.1% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,520,000 $1,825,000 -48.2% 0.5%
AMERISAVE MORTGAGE CORPORATION $2,360,000 $1,750,000 -25.8% 0.5%
JPMorgan Chase Bank $1,910,000 $1,750,000 -8.4% 0.5%
FCB Banks $2,150,000 $1,510,000 -29.8% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $1,330,000 n/a 0.4%
NEW DAY FINANCIAL, LLC $1,140,000 $1,280,000 12.3% 0.3%
Associated Bank $1,900,000 $1,210,000 -36.3% 0.3%
CRESCENT MORTGAGE COMPANY $4,890,000 $1,205,000 -75.4% 0.3%
BETTER MORTGAGE CORPORATION $2,775,000 $1,185,000 -57.3% 0.3%
ROYAL UNITED MORTGAGE LLC $495,000 $1,075,000 117.2% 0.3%
Barrington Bank & Trust Company, N.A. $1,270,000 $1,055,000 -16.9% 0.3%
SCOTT CREDIT UNION $950,000 $1,035,000 8.9% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,120,000 $1,000,000 -10.7% 0.3%
Bank of O'Fallon $425,000 $985,000 131.8% 0.3%
FREEDOM MORTGAGE CORPORATION $9,635,000 $960,000 -90.0% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $7,770,000 $950,000 -87.8% 0.3%
Carrington Mortgage Services, LLC $645,000 $935,000 45.0% 0.3%
EVANSVILLE TEACHERS $2,340,000 $935,000 -60.0% 0.3%
21ST MORTGAGE CORPORATION $1,025,000 $930,000 -9.3% 0.3%
Carrollton Bank $745,000 $925,000 24.2% 0.3%
HOME POINT FINANCIAL CORPORATION $1,790,000 $915,000 -48.9% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,200,000 $860,000 -28.3% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,090,000 $860,000 -21.1% 0.2%
Citizens Bank $370,000 $720,000 94.6% 0.2%
The Federal Savings Bank $825,000 $720,000 -12.7% 0.2%
First State Community Bank $1,040,000 $715,000 -31.3% 0.2%
Farm Credit Mid-America, ACA $3,800,000 $710,000 -81.3% 0.2%
Bank of Springfield $680,000 $690,000 1.5% 0.2%
PNC Bank $655,000 $665,000 1.5% 0.2%
CALIBER HOME LOANS, INC. $1,325,000 $660,000 -50.2% 0.2%
COREVEST AMERICAN FINANCE LENDER LLC $635,000 n/a 0.2%
Mid-Continent Funding, Inc. $135,000 $625,000 363.0% 0.2%
Community Partners Savings Bank $610,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $630,000 $595,000 -5.6% 0.2%
Arvest Bank $560,000 $590,000 5.4% 0.2%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,070,000 $585,000 -45.3% 0.2%
First National Bank of Waterloo $570,000 n/a 0.2%
Northwest Bank $565,000 n/a 0.2%
United Community Bank $1,495,000 $560,000 -62.5% 0.2%
FAIR WAY LENDING LLC $875,000 $540,000 -38.3% 0.1%
The Farmers and Merchants National Bank of Nashville $185,000 $540,000 191.9% 0.1%
Wyndham Capital Mortgage, Inc. $285,000 $495,000 73.7% 0.1%
CITIZENS EQUITY FIRST $295,000 $485,000 64.4% 0.1%
State Bank of Waterloo $265,000 $470,000 77.4% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,695,000 $465,000 -72.6% 0.1%
Devon Bank $465,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,005,000 $465,000 -53.7% 0.1%
The Central Trust Bank $455,000 n/a 0.1%
Bank of America $675,000 $450,000 -33.3% 0.1%
Truist $370,000 $450,000 21.6% 0.1%
North American Savings Bank, F.S.B. $445,000 n/a 0.1%
Buena Vista National Bank $995,000 $435,000 -56.3% 0.1%
First State Bank of St. Charles, Missouri $500,000 $415,000 -17.0% 0.1%
Third Federal Savings and Loan Association of Cleveland $75,000 $410,000 446.7% 0.1%
Bank of England $530,000 $405,000 -23.6% 0.1%
Illinois State Police Federal Credit Union $400,000 n/a 0.1%
Low VA Rates, LLC $910,000 $400,000 -56.0% 0.1%
Bank of Belleville $380,000 n/a 0.1%
First State Bank $375,000 n/a 0.1%
FNB Bank, Inc. $135,000 $375,000 177.8% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $465,000 $370,000 -20.4% 0.1%
Dieterich Bank $190,000 $370,000 94.7% 0.1%
BMO Harris Bank $65,000 $350,000 438.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $395,000 $350,000 -11.4% 0.1%
MEMBER HOME LOAN, L.L.C. $345,000 n/a 0.1%
ALLIANT CREDIT UNION $340,000 n/a 0.1%
Ally Bank $470,000 $340,000 -27.7% 0.1%
DOMINION FINANCIAL SERVICES, LLC $340,000 n/a 0.1%
Meridian Bank Corporation $340,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $410,000 $335,000 -18.3% 0.1%
Warsaw Federal Savings and Loan Association $325,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $105,000 $320,000 204.8% 0.1%
Ameris Bank $315,000 n/a 0.1%
First Financial Bank $380,000 $315,000 -17.1% 0.1%
Stifel Bank and Trust $260,000 $315,000 21.2% 0.1%
Credit Union 1 $310,000 n/a 0.1%
Equity Prime Mortgage LLC $310,000 n/a 0.1%
DIRECT MORTGAGE LOANS, LLC $305,000 n/a 0.1%
FirstBank $305,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,095,000 $305,000 -72.1% 0.1%
Paramount Residential Mortgage Group, Inc. $275,000 $305,000 10.9% 0.1%
Discover Bank $255,000 $295,000 15.7% 0.1%
BELEM SERVICING LLC $285,000 n/a 0.1%
COMPASS MORTGAGE, INC. $285,000 n/a 0.1%
First Guaranty Mortgage Corporation $500,000 $275,000 -45.0% 0.1%
VILLAGE CAPITAL MORTGAGE $730,000 $270,000 -63.0% 0.1%
First Financial Bank $380,000 $265,000 -30.3% 0.1%
First Midwest Bank of Dexter $115,000 $260,000 126.1% 0.1%
TrustBank $80,000 $260,000 225.0% 0.1%
First National Bank of Omaha $255,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $135,000 $250,000 85.2% 0.1%
MICHIGAN MUTUAL, INC. $250,000 n/a 0.1%
CB&S Bank, Inc. $245,000 n/a 0.1%
Montgomery Bank $700,000 $245,000 -65.0% 0.1%
Think Mutual Bank $245,000 n/a 0.1%
Bank & Trust Company $255,000 $240,000 -5.9% 0.1%
Civista Bank $235,000 n/a 0.1%
CMG MORTGAGE, INC. $570,000 $235,000 -58.8% 0.1%
NFM, INC. $235,000 n/a 0.1%
Semper Home Loans, Inc. $235,000 n/a 0.1%
ENDEAVOR CAPITAL, LLC. $1,450,000 $230,000 -84.1% 0.1%
Figure Lending LLC $25,000 $230,000 820.0% 0.1%
MOVEMENT MORTGAGE, LLC $75,000 $215,000 186.7% 0.1%
PREMIA MORTGAGE, LLC $380,000 $215,000 -43.4% 0.1%
Sierra Pacific Mortgage Company, Inc. $215,000 n/a 0.1%
GREAT LAKES $210,000 n/a 0.1%
NexBank $205,000 n/a 0.1%
Southern Bank $190,000 $205,000 7.9% 0.1%
TRIAD FINANCIAL SERVICES, INC. $205,000 n/a 0.1%
EVERETT FINANCIAL, INC. $145,000 $200,000 37.9% 0.1%
Heartland Bank and Trust Company $200,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $2,300,000 $195,000 -91.5% 0.1%
Independence Bank of Kentucky $195,000 n/a 0.1%
Peoples Bank $195,000 n/a 0.1%
First Bank $465,000 $190,000 -59.1% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $185,000 n/a 0.1%
First Community Bank $185,000 n/a 0.1%
First National Bank of America $175,000 n/a 0.0%
M&T Bank $175,000 n/a 0.0%
Nations Lending Corporation $155,000 $170,000 9.7% 0.0%
Firefighters First Federal Credit Union $165,000 n/a 0.0%
Flanagan State Bank $205,000 $165,000 -19.5% 0.0%
IOWA BANKERS MORTGAGE CORPORATION $165,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $165,000 n/a 0.0%
The Home Loan Expert LLC $185,000 $165,000 -10.8% 0.0%
CIBM Bank $510,000 $155,000 -69.6% 0.0%
HEARTLAND $155,000 n/a 0.0%
NP, Inc. $390,000 $155,000 -60.3% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $75,000 $145,000 93.3% 0.0%
CIVIC FINANCIAL SERVICES, LLC $145,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $475,000 $145,000 -69.5% 0.0%
FINANCE OF AMERICA REVERSE LLC $145,000 n/a 0.0%
BOKF $425,000 $135,000 -68.2% 0.0%
Financial Funding Solutions, Inc. $135,000 n/a 0.0%
First Financial Credit Union $135,000 n/a 0.0%
First Savings Bank $135,000 n/a 0.0%
Magnolia Bank $245,000 $135,000 -44.9% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $135,000 n/a 0.0%
JUSTICE Federal Credit Union $125,000 n/a 0.0%
Petefish, Skiles & Co. $615,000 $125,000 -79.7% 0.0%
ALLTRU Federal Credit Union $115,000 n/a 0.0%
Beeline Loans, Inc. $115,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $75,000 $115,000 53.3% 0.0%
Germantown Trust & Savings Bank $115,000 n/a 0.0%
HealthCare Associates Credit Union $115,000 n/a 0.0%
INLAND BANK & TRUST $310,000 $115,000 -62.9% 0.0%
CNB Bank And Trust, N.A. $180,000 $110,000 -38.9% 0.0%
Central Bank Illinois $175,000 $105,000 -40.0% 0.0%
FAY SERVICING, LLC $105,000 n/a 0.0%
First Trust Bank of Illinois $105,000 n/a 0.0%
The Peoples State Bank of Newton, Illinois $105,000 n/a 0.0%
UTILITIES EMPLOYEES CREDIT UNION $105,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $95,000 $95,000 0.0% 0.0%
The FNB Community Bank $95,000 n/a 0.0%
The Huntington National Bank $750,000 $95,000 -87.3% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $95,000 n/a 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $85,000 n/a 0.0%
Bank of Pontiac $85,000 n/a 0.0%
GENEVA FINANCIAL, LLC $85,000 n/a 0.0%
SPRING EQ, LLC $80,000 n/a 0.0%
Amarillo National Bank $75,000 n/a 0.0%
AMERICAN ADVISORS GROUP $75,000 n/a 0.0%
Bankers' Bank $75,000 n/a 0.0%
FirstTrust Home Loans, Inc. $75,000 n/a 0.0%
Midland States Bank $75,000 n/a 0.0%
Morton Community Bank $255,000 $75,000 -70.6% 0.0%
The First National Bank and Trust Company $75,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $160,000 $65,000 -59.4% 0.0%
ILLINOIS STATE CREDIT UNION $75,000 $65,000 -13.3% 0.0%
MID AMERICA MORTGAGE, INC. $65,000 n/a 0.0%
National Bank of St. Anne $65,000 n/a 0.0%
Busey Bank $55,000 n/a 0.0%
First American Bank $185,000 $55,000 -70.3% 0.0%
FIRST COMMUNITY $195,000 $55,000 -71.8% 0.0%
German American Bank $55,000 n/a 0.0%
Old Second National Bank $55,000 n/a 0.0%
GCS $215,000 $45,000 -79.1% 0.0%
The First National Bank of Carmi $35,000 n/a 0.0%
First State Bank of Forrest $15,000 n/a 0.0%

CARBONDALE - MARION's top lender by overall market share is FIRST SOUTHERN BANK., with 6.7% market share. In second place, with 6.0%, is U.S. Bank, having originated $22,195,000 in loans. In third place, with 5.0%, is QUICKEN LOANS, LLC, having originated $18,470,000 in loans. In fourth place, with 4.4%, is SIU, having originated $16,140,000 in loans. In fifth place, with 4.3%, is Mortgage Research Center, LLC, having originated $15,790,000 in loans.

CARBONDALE-MARION, IL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,525 $270,765,000 $177,551
Refi 292 $44,570,000 $152,637
Cash Out Refi 234 $36,230,000 $154,829
Home Improvement 121 $10,305,000 $85,165
Other 72 $5,060,000 $70,278

Carbondale - Marion's most frequently cited loan purpose was Home Purchase, with 1,525 originations. The 2nd most popular reason was Refi, with 292 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 487 $74,575,000 $153,131
4-5% 413 $83,525,000 $202,240
3-4% 378 $59,400,000 $157,143
6-7% 226 $31,120,000 $137,699
2.5-3% 94 $15,780,000 $167,872
7-8% 54 $6,110,000 $113,148
<2.5% 29 $4,155,000 $143,276
Over 8% 27 $1,995,000 $73,889

During 2022, Carbondale - Marion's most frequently originated rate bucket was 5-6%, with 487 originations.

Loan Sizing (CARBONDALE-MARION, IL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 866 $123,680,000 $142,818
$100,000 or less 861 $54,495,000 $63,293
$200k-400k 437 $115,985,000 $265,412
$400k-600k 58 $27,600,000 $475,862
$600k-1000k 15 $11,415,000 $761,000
$Over $1MM 7 $33,755,000 $4,822,143

CARBONDALE - MARION's loan sizing saw the bucket of loans from $100k-200k with 866 originations, totaling $123,680,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,055 $168,555,000 $159,768
60-80% 376 $77,320,000 $205,638
40-60% 107 $14,065,000 $131,449
20-40% 91 $8,465,000 $93,022
Under 20% 52 $2,200,000 $42,308
Over 100% 27 $6,055,000 $224,259

CARBONDALE - MARION's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,055 originations, totaling $168,555,000 in origination value.