CARBONDALE - MARION Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Carbondale - Marion averaged
6.89%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.02% and
one month ago for the week of 2025-05-15, the
average rate was 6.69%.
Carbondale - Marion's average rate one year ago was 6.93%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Carbondale - Marion 30 Year Fixed Rate | 2025-06-18 | 6.89% |
| Carbondale - Marion 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Carbondale - Marion 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Carbondale - Marion 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Carbondale - Marion 30 Year FHA | 2025-06-18 | -0.05% |
| Carbondale - Marion 30 Year FHA Refi | 2025-06-18 | 0% |
| Carbondale - Marion 30 Year USDA | 2025-06-18 | -0.2% |
| Carbondale - Marion 30 Year USDA Refi | 2025-06-18 | 0% |
| Carbondale - Marion 30 Year VA | 2025-06-18 | 0.1% |
| Carbondale - Marion 30 Year VA Refi | 2025-06-18 | -0.1% |
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.).
CARBONDALE - MARION Average Closing Costs & Other Stats
CARBONDALE-MARION, IL's 86 lenders originated 1,719
loans during 2024. The total origination value was $300,345,000, with an average loan value of
$174,721.
CARBONDALE - MARION's average closing costs are $3,838.
The top CARBONDALE - MARION lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
92 loans originated. Their average total fees are
$3,373, which is $1,350
higher than the next largest lender,
SIU.
The lowest fee CARBONDALE - MARION lenders (with over 10 loans originated) are
SIU ($2,023), First Mid Bank & Trust ($2,136), Peoples National Bank , N.A. ($2,536), FLAT BRANCH MORTGAGE, INC. ($2,793) and Flagstar Bank, FSB ($3,109).
The lowest rate CARBONDALE - MARION lenders (with over 10 loans originated) are
SIU (6.32%), UNITED WHOLESALE MORTGAGE, LLC (6.34%), First Mid Bank & Trust (6.47%), Community Mortgage Banc Corporation (6.63%) and U.S. Bank (6.76%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $17,825,000 | $30,435,000 | 70.7% | 10.1% |
| FIRST SOUTHERN BANK | $17,800,000 | $22,860,000 | 28.4% | 7.6% |
| Mortgage Research Center, LLC | $9,095,000 | $17,170,000 | 88.8% | 5.7% |
| QUICKEN LOANS, LLC | $9,070,000 | $14,530,000 | 60.2% | 4.8% |
| Farmers State Bank of Alto Pass | $19,965,000 | $13,560,000 | -32.1% | 4.5% |
| U.S. Bank | $18,595,000 | $12,890,000 | -30.7% | 4.3% |
| SouthernTrust Bank | $13,700,000 | $12,135,000 | -11.4% | 4.0% |
| Peoples National Bank , N.A. | $8,430,000 | $10,575,000 | 25.4% | 3.5% |
| Arbor Realty Trust, Inc. | $9,735,000 | n/a | 3.2% | |
| SIU | $10,895,000 | $7,870,000 | -27.8% | 2.6% |
| GERSHMAN INVESTMENT CORP. | $5,975,000 | $7,300,000 | 22.2% | 2.4% |
| Flagstar Bank, FSB | $6,410,000 | $7,260,000 | 13.3% | 2.4% |
| Banterra Bank | $6,085,000 | $6,900,000 | 13.4% | 2.3% |
| First Mid Bank & Trust | $4,980,000 | $6,500,000 | 30.5% | 2.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,535,000 | $5,850,000 | 281.1% | 1.9% |
| GUARANTEED RATE, INC. | $4,935,000 | $5,485,000 | 11.1% | 1.8% |
| The Bank of Herrin | $7,700,000 | $4,010,000 | -47.9% | 1.3% |
| Fifth Third Bank | $2,490,000 | $3,660,000 | 47.0% | 1.2% |
| Community Mortgage Banc Corporation | $2,525,000 | $3,520,000 | 39.4% | 1.2% |
| Regions Bank | $3,420,000 | $3,510,000 | 2.6% | 1.2% |
| GREYSTONE SERVICING COMPANY LLC | $3,035,000 | $3,315,000 | 9.2% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $1,335,000 | $3,270,000 | 144.9% | 1.1% |
| Legence Bank | $3,135,000 | $3,245,000 | 3.5% | 1.1% |
| USAA Federal Savings Bank | $2,090,000 | $2,810,000 | 34.4% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $3,025,000 | $2,475,000 | -18.2% | 0.8% |
| FLAT BRANCH MORTGAGE, INC. | $5,825,000 | $2,325,000 | -60.1% | 0.8% |
| The First National Bank of Ava | $2,645,000 | $2,220,000 | -16.1% | 0.7% |
| AmeriHome Mortgage Company, LLC | $355,000 | $2,160,000 | 508.5% | 0.7% |
| Bank of Springfield | $2,045,000 | n/a | 0.7% | |
| FREEDOM MORTGAGE CORPORATION | $530,000 | $2,035,000 | 284.0% | 0.7% |
| ZILLOW HOME LOANS, LLC | $650,000 | $1,975,000 | 203.8% | 0.7% |
| BROKER SOLUTIONS, INC. | $2,320,000 | $1,720,000 | -25.9% | 0.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $950,000 | $1,675,000 | 76.3% | 0.6% |
| DELMAR FINANCIAL COMPANY | $195,000 | $1,490,000 | 664.1% | 0.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $75,000 | $1,475,000 | 1,866.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $565,000 | $1,365,000 | 141.6% | 0.5% |
| First-Citizens Bank & Trust Company | $1,355,000 | n/a | 0.5% | |
| MEMBER FIRST MORTGAGE, LLC | $65,000 | $1,305,000 | 1,907.7% | 0.4% |
| JPMorgan Chase Bank | $1,295,000 | $1,265,000 | -2.3% | 0.4% |
| Bank of America | $345,000 | $1,140,000 | 230.4% | 0.4% |
| United Community Bank | $505,000 | $1,140,000 | 125.7% | 0.4% |
| Horizon Bank | $1,135,000 | n/a | 0.4% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,070,000 | $1,090,000 | 1.9% | 0.4% |
| Southern Bank | $2,145,000 | $995,000 | -53.6% | 0.3% |
| 21ST MORTGAGE CORPORATION | $815,000 | $940,000 | 15.3% | 0.3% |
| Farm Credit Mid-America, ACA | $780,000 | $940,000 | 20.5% | 0.3% |
| The Huntington National Bank | $905,000 | $895,000 | -1.1% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,040,000 | $880,000 | -15.4% | 0.3% |
| Equity Prime Mortgage LLC | $785,000 | $870,000 | 10.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $730,000 | $870,000 | 19.2% | 0.3% |
| NEW DAY FINANCIAL, LLC | $450,000 | $845,000 | 87.8% | 0.3% |
| Schaumburg Bank & Trust | $845,000 | n/a | 0.3% | |
| DAS Acquisition Company, LLC | $760,000 | $840,000 | 10.5% | 0.3% |
| Germantown Trust & Savings Bank | $815,000 | n/a | 0.3% | |
| Wolfe Financial, Inc | $815,000 | n/a | 0.3% | |
| SCOTT CREDIT UNION | $405,000 | $805,000 | 98.8% | 0.3% |
| LAKE MICHIGAN CREDIT UNION | $795,000 | n/a | 0.3% | |
| Bank of O'Fallon | $790,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $615,000 | $780,000 | 26.8% | 0.3% |
| LEADERONE FINANCIAL CORPORATION | $55,000 | $765,000 | 1,290.9% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $445,000 | $750,000 | 68.5% | 0.2% |
| GUIDANCE RESIDENTIAL, LLC | $730,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $1,280,000 | $710,000 | -44.5% | 0.2% |
| NEWREZ LLC | $370,000 | $710,000 | 91.9% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $1,055,000 | $700,000 | -33.6% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $690,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $675,000 | $660,000 | -2.2% | 0.2% |
| Stifel Bank and Trust | $125,000 | $565,000 | 352.0% | 0.2% |
| Citibank | $555,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $550,000 | n/a | 0.2% | |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $545,000 | n/a | 0.2% | |
| Triad Bank | $515,000 | n/a | 0.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $95,000 | $485,000 | 410.5% | 0.2% |
| PNC Bank | $320,000 | $480,000 | 50.0% | 0.2% |
| UNION HOME MORTGAGE CORP. | $480,000 | n/a | 0.2% | |
| Alliance Bank | $165,000 | $465,000 | 181.8% | 0.2% |
| Community Partners Savings Bank | $465,000 | n/a | 0.2% | |
| Heartland Bank and Trust Company | $465,000 | n/a | 0.2% | |
| FCB Banks | $1,355,000 | $460,000 | -66.1% | 0.2% |
| First State Bank of St. Charles, Missouri | $455,000 | n/a | 0.2% | |
| Gateway First Bank | $35,000 | $450,000 | 1,185.7% | 0.1% |
| Wells Fargo Bank | $725,000 | $450,000 | -37.9% | 0.1% |
| Brighton Bank | $445,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $530,000 | $435,000 | -17.9% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $415,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $235,000 | $405,000 | 72.3% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $155,000 | $400,000 | 158.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $395,000 | n/a | 0.1% | |
| Discover Bank | $330,000 | $395,000 | 19.7% | 0.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | $455,000 | $395,000 | -13.2% | 0.1% |
| Commerce Bank | $380,000 | n/a | 0.1% | |
| Bank of Belleville | $375,000 | n/a | 0.1% | |
| Buena Vista National Bank | $385,000 | $375,000 | -2.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $160,000 | $355,000 | 121.9% | 0.1% |
| EVANSVILLE TEACHERS | $1,740,000 | $325,000 | -81.3% | 0.1% |
| Pacor Mortgage Corp | $325,000 | n/a | 0.1% | |
| The Bradford National Bank of Greenville | $325,000 | n/a | 0.1% | |
| Figure Lending LLC | $70,000 | $310,000 | 342.9% | 0.1% |
| FirstBank | $305,000 | n/a | 0.1% | |
| Bank & Trust Company | $295,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | $295,000 | 118.5% | 0.1% |
| Citizens Bank | $190,000 | $270,000 | 42.1% | 0.1% |
| FAIR WAY LENDING LLC | $465,000 | $265,000 | -43.0% | 0.1% |
| Coastal Community Bank | $100,000 | $260,000 | 160.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $35,000 | $255,000 | 628.6% | 0.1% |
| ENCORE BANK | $255,000 | n/a | 0.1% | |
| First National Bank of Waterloo | $410,000 | $255,000 | -37.8% | 0.1% |
| Luxury Mortgage Corp. | $255,000 | n/a | 0.1% | |
| MORTGAGEONE, INC. | $255,000 | n/a | 0.1% | |
| TOGETHER CREDIT UNION | $255,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $245,000 | n/a | 0.1% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $185,000 | $245,000 | 32.4% | 0.1% |
| FAMILY FINANCE MORTGAGE, LLC | $235,000 | $245,000 | 4.3% | 0.1% |
| Flanagan State Bank | $15,000 | $245,000 | 1,533.3% | 0.1% |
| NFM, INC. | $205,000 | $235,000 | 14.6% | 0.1% |
| Carrollton Bank | $65,000 | $230,000 | 253.8% | 0.1% |
| Petefish, Skiles & Co. | $230,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $205,000 | $225,000 | 9.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $350,000 | $215,000 | -38.6% | 0.1% |
| American Bank & Trust Company, Inc. | $205,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $195,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $195,000 | n/a | 0.1% | |
| Bank of Pontiac | $205,000 | $185,000 | -9.8% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $310,000 | $185,000 | -40.3% | 0.1% |
| Associated Bank | $175,000 | n/a | 0.1% | |
| CITIZENS EQUITY FIRST | $270,000 | $175,000 | -35.2% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $175,000 | n/a | 0.1% | |
| FOUNDATION MORTGAGE CORPORATION | $165,000 | n/a | 0.1% | |
| MILESTONE HOME LENDING, LLC | $165,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $165,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,880,000 | $160,000 | -91.5% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $575,000 | $155,000 | -73.0% | 0.1% |
| FIRST COMMUNITY | $155,000 | n/a | 0.1% | |
| Peoples Bank | $155,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $175,000 | $155,000 | -11.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $420,000 | $150,000 | -64.3% | 0.0% |
| FirstTrust Home Loans, Inc. | $3,785,000 | $145,000 | -96.2% | 0.0% |
| PLANET HOME LENDING, LLC | $85,000 | $140,000 | 64.7% | 0.0% |
| MRV Banks | $135,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $135,000 | n/a | 0.0% | |
| Nations Lending Corporation | $255,000 | $135,000 | -47.1% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $750,000 | $125,000 | -83.3% | 0.0% |
| First State Community Bank | $200,000 | $125,000 | -37.5% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $125,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $125,000 | n/a | 0.0% | |
| The Paducah Bank and Trust Company | $125,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $105,000 | n/a | 0.0% | |
| State Bank of Waterloo | $105,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $105,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $95,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| Northpointe Bank | $85,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $85,000 | n/a | 0.0% | |
| The Bank of Old Monroe | $85,000 | n/a | 0.0% | |
| NUMARK CREDIT UNION | $75,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $65,000 | n/a | 0.0% | |
| Illinois State Police Federal Credit Union | $65,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $65,000 | n/a | 0.0% | |
| BMO Harris Bank | $245,000 | $55,000 | -77.6% | 0.0% |
| COMMUNITYAMERICA | $55,000 | n/a | 0.0% | |
| Midland States Bank | $160,000 | $55,000 | -65.6% | 0.0% |
| Old National Bank | $55,000 | $55,000 | 0.0% | 0.0% |
| SPRING EQ, LLC | $55,000 | $55,000 | 0.0% | 0.0% |
| GREENSTATE CREDIT UNION | $45,000 | n/a | 0.0% | |
| University of Wisconsin Credit Union | $45,000 | n/a | 0.0% | |
| Dieterich Bank | $345,000 | $25,000 | -92.8% | 0.0% |
| First Financial Bank | $25,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $75,000 | $25,000 | -66.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $25,000 | $25,000 | 0.0% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $280,000 | $25,000 | -91.1% | 0.0% |
CARBONDALE - MARION's top lender by overall market share is GUILD MORTGAGE COMPANY, with 10.1% market share. In second place, with 7.6%, is FIRST SOUTHERN BANK, having originated $22,860,000 in loans. In third place, with 5.7%, is Mortgage Research Center, LLC, having originated $17,170,000 in loans. In fourth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $14,530,000 in loans. In fifth place, with 4.5%, is Farmers State Bank of Alto Pass, having originated $13,560,000 in loans.
CARBONDALE-MARION, IL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,164 | $213,370,000 | $183,308 |
| Refi | 211 | $39,765,000 | $188,460 |
| Cash Out Refi | 125 | $30,735,000 | $245,880 |
| Home Improvement | 118 | $9,270,000 | $78,559 |
| Other | 101 | $7,205,000 | $71,337 |
Carbondale - Marion's most frequently cited loan purpose was Home Purchase, with 1,164 originations. The 2nd most popular reason was Refi, with 211 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 647 | $114,645,000 | $177,195 |
| 7-8% | 292 | $60,770,000 | $208,116 |
| 5-6% | 170 | $42,490,000 | $249,941 |
| Over 8% | 165 | $14,555,000 | $88,212 |
| <2.5% | 29 | $705,000 | $24,310 |
| 4-5% | 9 | $2,235,000 | $248,333 |
During 2024, Carbondale - Marion's most frequently originated rate bucket was 6-7%, with 647 originations.
Loan Sizing (CARBONDALE-MARION, IL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 618 | $35,840,000 | $57,994 |
| $100k-200k | 612 | $89,320,000 | $145,948 |
| $200k-400k | 396 | $107,810,000 | $272,247 |
| $400k-600k | 65 | $30,725,000 | $472,692 |
| $600k-1000k | 22 | $16,190,000 | $735,909 |
| $Over $1MM | 6 | $20,460,000 | $3,410,000 |
CARBONDALE - MARION's loan sizing saw the bucket of loans from $100,000 or less with 618 originations, totaling $35,840,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 741 | $141,185,000 | $190,533 |
| 60-80% | 262 | $62,660,000 | $239,160 |
| 20-40% | 99 | $6,845,000 | $69,141 |
| Under 20% | 85 | $2,355,000 | $27,706 |
| 40-60% | 81 | $11,925,000 | $147,222 |
| Over 100% | 20 | $5,120,000 | $256,000 |
CARBONDALE - MARION's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 741 originations, totaling $141,185,000 in origination value.