CHAMPAIGN - URBANA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Champaign - Urbana averaged
6.75%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.8% and
one month ago for the week of 2025-04-17, the
average rate was 6.92%.
Champaign - Urbana's average rate one year ago was 7.31%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Champaign - Urbana 30 Year Fixed Rate | 2025-05-22 | 6.75% |
| Champaign - Urbana 30 Year Fixed Rate Refi | 2025-05-22 | 7.46% |
| Champaign - Urbana 15 Year Fixed Rate | 2025-05-22 | 6.06% |
| Champaign - Urbana 15 Year Fixed Rate Refi | 2025-05-22 | 6.11% |
| Champaign - Urbana 30 Year FHA | 2025-05-22 | 7.07% |
| Champaign - Urbana 30 Year FHA Refi | 2025-05-22 | 6.51% |
| Champaign - Urbana 30 Year USDA | 2025-05-22 | 6.63% |
| Champaign - Urbana 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Champaign - Urbana 30 Year VA | 2025-05-22 | 6.98% |
| Champaign - Urbana 30 Year VA Refi | 2025-05-22 | 6.42% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHAMPAIGN-URBANA, IL.
CHAMPAIGN - URBANA 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 CHAMPAIGN-URBANA, 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.).
CHAMPAIGN - URBANA Average Closing Costs & Other Stats
CHAMPAIGN-URBANA, IL's 117 lenders originated 3,258
loans during 2024. The total origination value was $805,430,000, with an average loan value of
$247,216.
CHAMPAIGN - URBANA's average closing costs are $3,168.
The top CHAMPAIGN - URBANA lender as defined by loan originations is Busey Bank, with
194 loans originated. Their average total fees are
$2,528, which is $924
lower than the next largest lender,
BROKER SOLUTIONS, INC..
The lowest fee CHAMPAIGN - URBANA lenders (with over 10 loans originated) are
Prairie State Bank and Trust ($1,376), First Mid Bank & Trust ($1,901), UNIVERSITY OF ILLINOIS COMMUNITY ($1,983), Heartland Bank and Trust Company ($2,388) and Morton Community Bank ($2,436).
The lowest rate CHAMPAIGN - URBANA lenders (with over 10 loans originated) are
UNIVERSITY OF ILLINOIS COMMUNITY (6.30%), JPMorgan Chase Bank (6.47%), First Mid Bank & Trust (6.62%), Busey Bank (6.63%) and Prairie State Bank and Trust (6.64%).
CHAMPAIGN-URBANA, 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 |
|---|---|---|---|---|
| Busey Bank | $151,735,000 | $58,075,000 | -61.7% | 7.2% |
| BROKER SOLUTIONS, INC. | $3,395,000 | $52,995,000 | 1,461.0% | 6.6% |
| FLAT BRANCH MORTGAGE, INC. | $81,185,000 | $50,720,000 | -37.5% | 6.3% |
| Hickory Point Bank and Trust | $40,450,000 | $46,740,000 | 15.6% | 5.8% |
| PNC Bank | $7,410,000 | $37,585,000 | 407.2% | 4.7% |
| PGIM Real Estate Finance, LLC | $35,945,000 | n/a | 4.5% | |
| 1786 | $12,970,000 | $29,890,000 | 130.5% | 3.7% |
| First Federal Savings Bank of Champaign-Urbana | $17,885,000 | $26,445,000 | 47.9% | 3.3% |
| UNIVERSITY OF ILLINOIS COMMUNITY | $19,125,000 | $25,030,000 | 30.9% | 3.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $17,490,000 | $23,110,000 | 32.1% | 2.9% |
| The Fisher National Bank | $28,035,000 | $22,845,000 | -18.5% | 2.8% |
| QUICKEN LOANS, LLC | $13,845,000 | $22,750,000 | 64.3% | 2.8% |
| TEACHERS CREDIT UNION | $22,310,000 | n/a | 2.8% | |
| Fortress Bank | $190,000 | $19,805,000 | 10,323.7% | 2.5% |
| Morton Community Bank | $48,905,000 | $19,270,000 | -60.6% | 2.4% |
| Old National Bank | $43,935,000 | $17,785,000 | -59.5% | 2.2% |
| First State Bank | $7,205,000 | $16,835,000 | 133.7% | 2.1% |
| Iroquois Federal Savings and Loan Association | $43,055,000 | $16,800,000 | -61.0% | 2.1% |
| Midland States Bank | $11,650,000 | $15,660,000 | 34.4% | 1.9% |
| INB | $11,245,000 | $13,135,000 | 16.8% | 1.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $15,045,000 | $10,885,000 | -27.7% | 1.4% |
| Mortgage Research Center, LLC | $10,350,000 | $10,210,000 | -1.4% | 1.3% |
| POINT Mortgage | $3,675,000 | $9,570,000 | 160.4% | 1.2% |
| JPMorgan Chase Bank | $8,580,000 | $9,290,000 | 8.3% | 1.2% |
| BankChampaign, N.A. | $5,300,000 | $9,285,000 | 75.2% | 1.2% |
| Bank of Springfield | $4,370,000 | $8,640,000 | 97.7% | 1.1% |
| First Mid Bank & Trust | $12,920,000 | $8,020,000 | -37.9% | 1.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $7,035,000 | $6,905,000 | -1.8% | 0.9% |
| FIRST STATE MORTGAGE SERVICES, LLC | $5,090,000 | $6,305,000 | 23.9% | 0.8% |
| Prairie State Bank and Trust | $4,055,000 | $6,120,000 | 50.9% | 0.8% |
| CITIZENS EQUITY FIRST | $1,950,000 | $5,770,000 | 195.9% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $915,000 | $4,630,000 | 406.0% | 0.6% |
| First Financial Bank | $580,000 | $4,555,000 | 685.3% | 0.6% |
| The Gifford State Bank | $5,100,000 | $4,540,000 | -11.0% | 0.6% |
| COREVEST AMERICAN FINANCE LENDER LLC | $4,525,000 | n/a | 0.6% | |
| Heartland Bank and Trust Company | $3,760,000 | $4,175,000 | 11.0% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,835,000 | $3,835,000 | 109.0% | 0.5% |
| U.S. Bank | $2,505,000 | $3,615,000 | 44.3% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $1,910,000 | $3,240,000 | 69.6% | 0.4% |
| First State Bank of Forrest | $2,230,000 | $3,220,000 | 44.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $2,690,000 | $3,075,000 | 14.3% | 0.4% |
| The Huntington National Bank | $4,925,000 | $2,890,000 | -41.3% | 0.4% |
| GUARANTEED RATE, INC. | $1,550,000 | $2,850,000 | 83.9% | 0.4% |
| USAA Federal Savings Bank | $1,775,000 | $2,835,000 | 59.7% | 0.4% |
| State Bank of Bement | $3,515,000 | $2,710,000 | -22.9% | 0.3% |
| Prospect Bank | $2,275,000 | $2,530,000 | 11.2% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $410,000 | $2,515,000 | 513.4% | 0.3% |
| GUILD MORTGAGE COMPANY | $635,000 | $2,435,000 | 283.5% | 0.3% |
| LOANDEPOT.COM, LLC | $2,075,000 | $2,380,000 | 14.7% | 0.3% |
| Regions Bank | $3,755,000 | $2,240,000 | -40.3% | 0.3% |
| Flagstar Bank, FSB | $2,180,000 | $2,160,000 | -0.9% | 0.3% |
| Great Midwest Bank, S.S.B. | $2,105,000 | n/a | 0.3% | |
| Wells Fargo Bank | $2,000,000 | $2,015,000 | 0.8% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,765,000 | $1,870,000 | -32.4% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $1,140,000 | $1,865,000 | 63.6% | 0.2% |
| NBKC BANK | $350,000 | $1,710,000 | 388.6% | 0.2% |
| NEWREZ LLC | $1,025,000 | $1,635,000 | 59.5% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,450,000 | $1,440,000 | -41.2% | 0.2% |
| LAKE MICHIGAN CREDIT UNION | $1,375,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $990,000 | $1,290,000 | 30.3% | 0.2% |
| First State Bank | $7,205,000 | $1,270,000 | -82.4% | 0.2% |
| COMPASS MORTGAGE, INC. | $510,000 | $1,060,000 | 107.8% | 0.1% |
| Morgan Stanley Private Bank | $815,000 | $1,055,000 | 29.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $570,000 | $1,000,000 | 75.4% | 0.1% |
| Ixonia Bank | $965,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,280,000 | $935,000 | -27.0% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $975,000 | $905,000 | -7.2% | 0.1% |
| Discover Bank | $1,120,000 | $900,000 | -19.6% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $335,000 | $900,000 | 168.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,220,000 | $865,000 | -29.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $665,000 | $860,000 | 29.3% | 0.1% |
| Bank of Gibson City | $710,000 | $835,000 | 17.6% | 0.1% |
| 21ST MORTGAGE CORPORATION | $670,000 | $780,000 | 16.4% | 0.1% |
| Bank of America | $2,195,000 | $780,000 | -64.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $775,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $895,000 | $755,000 | -15.6% | 0.1% |
| DECATUR EARTHMOVER CREDIT UNION | $120,000 | $755,000 | 529.2% | 0.1% |
| Coastal Community Bank | $515,000 | $690,000 | 34.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $1,115,000 | $685,000 | -38.6% | 0.1% |
| United Community Bank | $685,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $735,000 | $665,000 | -9.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $660,000 | n/a | 0.1% | |
| Texana Bank | $645,000 | n/a | 0.1% | |
| ENCORE BANK | $625,000 | n/a | 0.1% | |
| CIBM Bank | $6,580,000 | $615,000 | -90.7% | 0.1% |
| Community Mortgage Banc Corporation | $505,000 | $580,000 | 14.9% | 0.1% |
| Figure Lending LLC | $300,000 | $580,000 | 93.3% | 0.1% |
| NexBank | $580,000 | $575,000 | -0.9% | 0.1% |
| UIF CORPORATION | $575,000 | n/a | 0.1% | |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $570,000 | n/a | 0.1% | |
| Petefish, Skiles & Co. | $450,000 | $570,000 | 26.7% | 0.1% |
| Bank of Pontiac | $555,000 | n/a | 0.1% | |
| Arvest Bank | $545,000 | n/a | 0.1% | |
| Credit Union 1 | $460,000 | $545,000 | 18.5% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $530,000 | n/a | 0.1% | |
| BMO Harris Bank | $1,015,000 | $525,000 | -48.3% | 0.1% |
| GREENSTATE CREDIT UNION | $525,000 | n/a | 0.1% | |
| IAA Credit Union | $195,000 | $525,000 | 169.2% | 0.1% |
| INTERCAP LENDING INC. | $525,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $350,000 | $505,000 | 44.3% | 0.1% |
| RBC Bank, (Georgia) | $115,000 | $505,000 | 339.1% | 0.1% |
| First National Bank of America | $275,000 | $500,000 | 81.8% | 0.1% |
| MLD MORTGAGE INC. | $500,000 | n/a | 0.1% | |
| First American Bank | $495,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $490,000 | n/a | 0.1% | |
| 1st Source Bank | $465,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $465,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $440,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $425,000 | n/a | 0.1% | |
| Gateway First Bank | $415,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $370,000 | $410,000 | 10.8% | 0.1% |
| Goodfield State Bank | $410,000 | n/a | 0.1% | |
| Bank & Trust Company | $395,000 | n/a | 0.0% | |
| DuTrac Community Credit Union | $385,000 | n/a | 0.0% | |
| Johnson Bank | $375,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $225,000 | $375,000 | 66.7% | 0.0% |
| Ally Bank | $680,000 | $365,000 | -46.3% | 0.0% |
| United Nations Federal Credit Union | $365,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $360,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $1,535,000 | $355,000 | -76.9% | 0.0% |
| M&T Bank | $275,000 | $355,000 | 29.1% | 0.0% |
| Union Savings Bank | $355,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $490,000 | $350,000 | -28.6% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $290,000 | $350,000 | 20.7% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $245,000 | $340,000 | 38.8% | 0.0% |
| The Federal Savings Bank | $315,000 | $335,000 | 6.3% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $330,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $325,000 | n/a | 0.0% | |
| COMPEER FINANCIAL, FLCA | $325,000 | n/a | 0.0% | |
| BNY Mellon | $315,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $315,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $300,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $300,000 | n/a | 0.0% | |
| EMM LOANS LLC | $295,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $205,000 | $290,000 | 41.5% | 0.0% |
| PLANET HOME LENDING, LLC | $55,000 | $275,000 | 400.0% | 0.0% |
| State Department Federal Credit Union | $275,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $270,000 | n/a | 0.0% | |
| Chicago Patrolmen's Federal Credit Union | $265,000 | n/a | 0.0% | |
| BOKF | $255,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $255,000 | n/a | 0.0% | |
| Nations Lending Corporation | $250,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $245,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $235,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $225,000 | n/a | 0.0% | |
| Centra Credit Union | $225,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $215,000 | n/a | 0.0% | |
| Ameris Bank | $205,000 | n/a | 0.0% | |
| Associated Bank | $1,455,000 | $205,000 | -85.9% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $415,000 | $205,000 | -50.6% | 0.0% |
| Old Second National Bank | $365,000 | $205,000 | -43.8% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $205,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $205,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $135,000 | $205,000 | 51.9% | 0.0% |
| American Airlines Federal Credit Union | $835,000 | $200,000 | -76.0% | 0.0% |
| AMWEST FUNDING CORP. | $115,000 | $195,000 | 69.6% | 0.0% |
| Bank of England | $205,000 | $195,000 | -4.9% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $265,000 | $195,000 | -26.4% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $195,000 | n/a | 0.0% | |
| Plains Commerce Bank | $145,000 | $195,000 | 34.5% | 0.0% |
| Prosperity Home Mortgage, LLC | $210,000 | $195,000 | -7.1% | 0.0% |
| ALGONQUIN STATE BANK | $185,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $1,390,000 | $180,000 | -87.1% | 0.0% |
| Farm Credit Mid-America, ACA | $1,330,000 | $165,000 | -87.6% | 0.0% |
| Residential Acceptance Corporation | $165,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $175,000 | $160,000 | -8.6% | 0.0% |
| Connexus Credit Union | $155,000 | n/a | 0.0% | |
| Dundee Bank | $155,000 | n/a | 0.0% | |
| GERSHMAN INVESTMENT CORP. | $155,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $155,000 | n/a | 0.0% | |
| NFM, INC. | $155,000 | n/a | 0.0% | |
| PROPER RATE, LLC | $155,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $635,000 | $145,000 | -77.2% | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | $145,000 | n/a | 0.0% | |
| Key Mortgage Services, Inc. | $295,000 | $145,000 | -50.8% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $225,000 | $145,000 | -35.6% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| STATE BANK OFTOULON | $135,000 | n/a | 0.0% | |
| 1ST MIDAMERICA | $125,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $125,000 | n/a | 0.0% | |
| Citizens Bank | $815,000 | $120,000 | -85.3% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $115,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $115,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $115,000 | n/a | 0.0% | |
| Peoples National Bank , N.A. | $115,000 | n/a | 0.0% | |
| Pinnacle Bank | $115,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $1,030,000 | $115,000 | -88.8% | 0.0% |
| CMG MORTGAGE, INC. | $675,000 | $105,000 | -84.4% | 0.0% |
| GVC MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| Holcomb Bank | $105,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $105,000 | n/a | 0.0% | |
| Summit Credit Union | $105,000 | n/a | 0.0% | |
| University of Wisconsin Credit Union | $435,000 | $105,000 | -75.9% | 0.0% |
| Amalgamated Bank | $95,000 | n/a | 0.0% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $175,000 | $95,000 | -45.7% | 0.0% |
| EASTERN SAVINGS BANK | $95,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $95,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $95,000 | -9.5% | 0.0% |
| Flanagan State Bank | $695,000 | $95,000 | -86.3% | 0.0% |
| North Shore Trust and Savings | $95,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $95,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $95,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $85,000 | n/a | 0.0% | |
| HealthCare Associates Credit Union | $70,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $65,000 | n/a | 0.0% | |
| Buena Vista National Bank | $55,000 | n/a | 0.0% | |
| CBI Bank & Trust | $55,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $145,000 | $55,000 | -62.1% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $210,000 | $55,000 | -73.8% | 0.0% |
| Scott State Bank | $130,000 | $45,000 | -65.4% | 0.0% |
| Bethpage Federal Credit Union | $35,000 | n/a | 0.0% | |
| Fifth Third Bank | $715,000 | $35,000 | -95.1% | 0.0% |
| ILLINOIS STATE CREDIT UNION | $500,000 | $35,000 | -93.0% | 0.0% |
| THE FAMILY CREDIT UNION | $35,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $45,000 | $35,000 | -22.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $35,000 | $25,000 | -28.6% | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $25,000 | $25,000 | 0.0% | 0.0% |
CHAMPAIGN - URBANA's top lender by overall market share is Busey Bank, with 7.2% market share. In second place, with 6.6%, is BROKER SOLUTIONS, INC., having originated $52,995,000 in loans. In third place, with 6.3%, is FLAT BRANCH MORTGAGE, INC., having originated $50,720,000 in loans. In fourth place, with 5.8%, is Hickory Point Bank and Trust, having originated $46,740,000 in loans. In fifth place, with 4.7%, is PNC Bank, having originated $37,585,000 in loans.
CHAMPAIGN - URBANA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - CHAMPAIGN - URBANA (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 | $149,950 (7.2%) | $203,956 (8.8%) | 0.56 | 997 |
| 2018-02-01 | $156,000 (12.1%) | $206,217 (7.9%) | 0.57 | 958 |
| 2018-03-01 | $159,900 (10.5%) | $215,003 (8.9%) | 0.56 | 942 |
| 2018-04-01 | $166,175 (7.3%) | $218,451 (4.9%) | 0.56 | 967 |
| 2018-05-01 | $172,400 (12.3%) | $218,595 (4.1%) | 0.58 | 982 |
| 2018-06-01 | $169,000 (8.7%) | $214,354 (0.4%) | 0.56 | 1,050 |
| 2018-07-01 | $165,000 (3.2%) | $211,874 (-2.4%) | 0.55 | 1,081 |
| 2018-08-01 | $167,350 (4.7%) | $212,135 (-1.1%) | 0.56 | 1,104 |
| 2018-09-01 | $168,250 (5.2%) | $211,521 (-2.8%) | 0.57 | 1,081 |
| 2018-10-01 | $169,900 (6.9%) | $211,245 (-0.9%) | 0.58 | 1,058 |
| 2018-11-01 | $168,750 (8.8%) | $209,467 (1.2%) | 0.57 | 1,040 |
| 2018-12-01 | $164,900 (7.9%) | $203,131 (-0.3%) | 0.57 | 1,008 |
| 2019-01-01 | $165,000 (10.0%) | $205,241 (0.6%) | 0.57 | 930 |
| 2019-02-01 | $165,000 (5.8%) | $212,036 (2.8%) | 0.56 | 946 |
| 2019-03-01 | $171,193 (7.1%) | $220,801 (2.7%) | 0.56 | 917 |
| 2019-04-01 | $181,175 (9.0%) | $228,952 (4.8%) | 0.58 | 885 |
| 2019-05-01 | $184,475 (7.0%) | $229,677 (5.1%) | 0.58 | 920 |
| 2019-06-01 | $182,900 (8.2%) | $228,062 (6.4%) | 0.57 | 963 |
| 2019-07-01 | $178,400 (8.1%) | $223,145 (5.3%) | 0.56 | 1,019 |
| 2019-08-01 | $170,773 (2.1%) | $217,736 (2.6%) | 0.54 | 1,036 |
| 2019-09-01 | $166,682 (-0.9%) | $212,471 (0.5%) | 0.53 | 1,040 |
| 2019-10-01 | $164,705 (-3.1%) | $209,348 (-0.9%) | 0.53 | 1,041 |
| 2019-11-01 | $162,500 (-3.7%) | $208,005 (-0.7%) | 0.53 | 1,009 |
| 2019-12-01 | $155,400 (-5.8%) | $208,354 (2.6%) | 0.52 | 928 |
| 2020-01-01 | $158,900 (-3.7%) | $208,632 (1.7%) | 0.53 | 864 |
| 2020-02-01 | $174,900 (6.0%) | $222,903 (5.1%) | 0.57 | 798 |
| 2020-03-01 | $180,900 (5.7%) | $231,189 (4.7%) | 0.57 | 788 |
| 2020-04-01 | $184,850 (2.0%) | $232,582 (1.6%) | 0.58 | 752 |
| 2020-05-01 | $189,900 (2.9%) | $237,709 (3.5%) | 0.58 | 658 |
| 2020-06-01 | $189,900 (3.8%) | $239,763 (5.1%) | 0.56 | 613 |
| 2020-07-01 | $199,700 (11.9%) | $250,859 (12.4%) | 0.58 | 591 |
| 2020-08-01 | $192,000 (12.4%) | $246,258 (13.1%) | 0.55 | 538 |
| 2020-09-01 | $189,900 (13.9%) | $243,428 (14.6%) | 0.54 | 536 |
| 2020-10-01 | $177,500 (7.8%) | $236,532 (13.0%) | 0.51 | 496 |
| 2020-11-01 | $169,900 (4.6%) | $229,214 (10.2%) | 0.50 | 476 |
| 2020-12-01 | $176,049 (13.3%) | $231,047 (10.9%) | 0.52 | 427 |
| 2021-01-01 | $167,500 (5.4%) | $226,330 (8.5%) | 0.50 | 370 |
| 2021-02-01 | $161,950 (-7.4%) | $223,711 (0.4%) | 0.47 | 310 |
| 2021-03-01 | $162,675 (-10.1%) | $236,541 (2.3%) | 0.46 | 282 |
| 2021-04-01 | $169,600 (-8.3%) | $249,978 (7.5%) | 0.46 | 256 |
| 2021-05-01 | $174,900 (-7.9%) | $256,563 (7.9%) | 0.46 | 267 |
| 2021-06-01 | $184,675 (-2.8%) | $260,926 (8.8%) | 0.49 | 293 |
| 2021-07-01 | $175,000 (-12.4%) | $254,059 (1.3%) | 0.46 | 360 |
| 2021-08-01 | $169,900 (-11.5%) | $243,461 (-1.1%) | 0.45 | 373 |
| 2021-09-01 | $159,950 (-15.8%) | $246,393 (1.2%) | 0.43 | 358 |
| 2021-10-01 | $157,900 (-11.0%) | $242,596 (2.6%) | 0.42 | 376 |
| 2021-11-01 | $148,000 (-12.9%) | $247,425 (7.9%) | 0.40 | 342 |
| 2021-12-01 | $144,950 (-17.7%) | $244,768 (5.9%) | 0.39 | 290 |
| 2022-01-01 | $134,900 (-19.5%) | $244,556 (8.1%) | 0.36 | 247 |
| 2022-02-01 | $140,600 (-13.2%) | $253,029 (13.1%) | 0.37 | 220 |
| 2022-03-01 | $156,075 (-4.1%) | $245,344 (3.7%) | 0.39 | 197 |
| 2022-04-01 | $155,500 (-8.3%) | $244,318 (-2.3%) | 0.37 | 212 |
| 2022-05-01 | $165,875 (-5.2%) | $239,116 (-6.8%) | 0.38 | 241 |
| 2022-06-01 | $179,450 (-2.8%) | $252,345 (-3.3%) | 0.40 | 279 |
| 2022-07-01 | $179,900 (2.8%) | $244,483 (-3.8%) | 0.41 | 355 |
| 2022-08-01 | $182,450 (7.4%) | $242,652 (-0.3%) | 0.42 | 370 |
| 2022-09-01 | $182,450 (14.1%) | $249,318 (1.2%) | 0.43 | 364 |
| 2022-10-01 | $189,900 (20.3%) | $253,393 (4.5%) | 0.45 | 358 |
| 2022-11-01 | $194,500 (31.4%) | $249,603 (0.9%) | 0.47 | 333 |
| 2022-12-01 | $197,000 (35.9%) | $251,078 (2.6%) | 0.49 | 295 |
| 2023-01-01 | $191,150 (41.7%) | $261,065 (6.8%) | 0.47 | 251 |
| 2023-02-01 | $206,200 (46.7%) | $286,521 (13.2%) | 0.50 | 212 |
| 2023-03-01 | $239,825 (53.7%) | $316,631 (29.1%) | 0.57 | 192 |
| 2023-04-01 | $239,900 (54.3%) | $326,877 (33.8%) | 0.56 | 202 |
| 2023-05-01 | $257,500 (55.2%) | $337,575 (41.2%) | 0.58 | 197 |
| 2023-06-01 | $260,450 (45.1%) | $329,330 (30.5%) | 0.59 | 230 |
| 2023-07-01 | $269,400 (49.8%) | $336,743 (37.7%) | 0.61 | 234 |
| 2023-08-01 | $256,225 (40.4%) | $332,737 (37.1%) | 0.59 | 269 |
| 2023-09-01 | $256,000 (40.3%) | $333,015 (33.6%) | 0.60 | 309 |
| 2023-10-01 | $245,900 (29.5%) | $318,844 (25.8%) | 0.58 | 308 |
| 2023-11-01 | $239,500 (23.1%) | $307,014 (23.0%) | 0.57 | 315 |
| 2023-12-01 | $227,400 (15.4%) | $298,862 (19.0%) | 0.55 | 305 |
| 2024-01-01 | $226,912 (18.7%) | $306,427 (17.4%) | 0.55 | 271 |
| 2024-02-01 | $254,925 (23.6%) | $324,857 (13.4%) | 0.61 | 235 |
| 2024-03-01 | $270,000 (12.6%) | $349,685 (10.4%) | 0.64 | 212 |
| 2024-04-01 | $308,725 (28.7%) | $372,560 (14.0%) | 0.72 | 212 |
| 2024-05-01 | $302,400 (17.4%) | $373,525 (10.7%) | 0.69 | 240 |
| 2024-06-01 | $296,750 (13.9%) | $349,255 (6.1%) | 0.67 | 274 |
| 2024-07-01 | $294,900 (9.5%) | $358,968 (6.6%) | 0.67 | 286 |
| 2024-08-01 | $279,900 (9.2%) | $352,995 (6.1%) | 0.65 | 305 |
| 2024-09-01 | $258,450 (1.0%) | $337,181 (1.3%) | 0.61 | 325 |
| 2024-10-01 | $259,450 (5.5%) | $340,707 (6.9%) | 0.61 | 304 |
| 2024-11-01 | $265,000 (10.7%) | $339,520 (10.6%) | 0.64 | 311 |
| 2024-12-01 | $246,225 (8.3%) | $323,743 (8.3%) | 0.61 | 267 |
| 2025-01-01 | $246,400 (8.6%) | $319,674 (4.3%) | 0.62 | 238 |
| 2025-02-01 | $244,950 (-3.9%) | $314,886 (-3.1%) | 0.59 | 214 |
| 2025-03-01 | $275,000 (1.9%) | $339,080 (-3.0%) | 0.65 | 208 |
| 2025-04-01 | $263,450 (-14.7%) | $327,070 (-12.2%) | 0.61 | 221 |
CHAMPAIGN - URBANA's median listing price for 2025-04-01 was $263,450, a difference of
$-45,275
(-14.7%) versus the prior year and
$-11,550 versus the prior month.
CHAMPAIGN - URBANA's median listing price comes in at 61% of the national average.
CHAMPAIGN - URBANA's average listing price for 2025-04-01 was $327,070, a difference of $-45,490 (-12.2%) versus the prior year and $-12,010 versus the prior month.
For the 2025-04-01 period, CHAMPAIGN - URBANA had 221 MLS listings, a difference of 13 listings (6%) versus the prior month and 9 listings (4%) versus the prior year.
CHAMPAIGN - URBANA's median listing price comes in at 61% of the national average.
CHAMPAIGN - URBANA's average listing price for 2025-04-01 was $327,070, a difference of $-45,490 (-12.2%) versus the prior year and $-12,010 versus the prior month.
For the 2025-04-01 period, CHAMPAIGN - URBANA had 221 MLS listings, a difference of 13 listings (6%) versus the prior month and 9 listings (4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - CHAMPAIGN - URBANA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 111 days | 1,640 sqft |
| 2018-02-01 | 109 days | 1,641 sqft |
| 2018-03-01 | 80 days | 1,666 sqft |
| 2018-04-01 | 61 days | 1,708 sqft |
| 2018-05-01 | 64 days | 1,745 sqft |
| 2018-06-01 | 64 days | 1,749 sqft |
| 2018-07-01 | 65 days | 1,739 sqft |
| 2018-08-01 | 69 days | 1,746 sqft |
| 2018-09-01 | 73 days | 1,737 sqft |
| 2018-10-01 | 80 days | 1,740 sqft |
| 2018-11-01 | 88 days | 1,728 sqft |
| 2018-12-01 | 100 days | 1,708 sqft |
| 2019-01-01 | 113 days | 1,672 sqft |
| 2019-02-01 | 108 days | 1,681 sqft |
| 2019-03-01 | 92 days | 1,710 sqft |
| 2019-04-01 | 71 days | 1,767 sqft |
| 2019-05-01 | 61 days | 1,779 sqft |
| 2019-06-01 | 66 days | 1,768 sqft |
| 2019-07-01 | 67 days | 1,782 sqft |
| 2019-08-01 | 69 days | 1,736 sqft |
| 2019-09-01 | 74 days | 1,715 sqft |
| 2019-10-01 | 78 days | 1,712 sqft |
| 2019-11-01 | 93 days | 1,715 sqft |
| 2019-12-01 | 105 days | 1,712 sqft |
| 2020-01-01 | 110 days | 1,700 sqft |
| 2020-02-01 | 110 days | 1,742 sqft |
| 2020-03-01 | 83 days | 1,784 sqft |
| 2020-04-01 | 77 days | 1,790 sqft |
| 2020-05-01 | 79 days | 1,780 sqft |
| 2020-06-01 | 76 days | 1,810 sqft |
| 2020-07-01 | 62 days | 1,840 sqft |
| 2020-08-01 | 58 days | 1,784 sqft |
| 2020-09-01 | 61 days | 1,776 sqft |
| 2020-10-01 | 65 days | 1,728 sqft |
| 2020-11-01 | 63 days | 1,706 sqft |
| 2020-12-01 | 74 days | 1,728 sqft |
| 2021-01-01 | 85 days | 1,639 sqft |
| 2021-02-01 | 74 days | 1,581 sqft |
| 2021-03-01 | 60 days | 1,594 sqft |
| 2021-04-01 | 49 days | 1,613 sqft |
| 2021-05-01 | 41 days | 1,653 sqft |
| 2021-06-01 | 40 days | 1,706 sqft |
| 2021-07-01 | 42 days | 1,672 sqft |
| 2021-08-01 | 45 days | 1,589 sqft |
| 2021-09-01 | 48 days | 1,549 sqft |
| 2021-10-01 | 47 days | 1,519 sqft |
| 2021-11-01 | 56 days | 1,500 sqft |
| 2021-12-01 | 63 days | 1,475 sqft |
| 2022-01-01 | 74 days | 1,445 sqft |
| 2022-02-01 | 65 days | 1,484 sqft |
| 2022-03-01 | 48 days | 1,566 sqft |
| 2022-04-01 | 39 days | 1,536 sqft |
| 2022-05-01 | 36 days | 1,533 sqft |
| 2022-06-01 | 36 days | 1,613 sqft |
| 2022-07-01 | 37 days | 1,623 sqft |
| 2022-08-01 | 40 days | 1,653 sqft |
| 2022-09-01 | 48 days | 1,698 sqft |
| 2022-10-01 | 52 days | 1,700 sqft |
| 2022-11-01 | 59 days | 1,713 sqft |
| 2022-12-01 | 71 days | 1,700 sqft |
| 2023-01-01 | 79 days | 1,708 sqft |
| 2023-02-01 | 71 days | 1,726 sqft |
| 2023-03-01 | 57 days | 1,843 sqft |
| 2023-04-01 | 39 days | 1,832 sqft |
| 2023-05-01 | 39 days | 1,854 sqft |
| 2023-06-01 | 42 days | 1,781 sqft |
| 2023-07-01 | 43 days | 1,798 sqft |
| 2023-08-01 | 42 days | 1,779 sqft |
| 2023-09-01 | 41 days | 1,800 sqft |
| 2023-10-01 | 48 days | 1,787 sqft |
| 2023-11-01 | 49 days | 1,782 sqft |
| 2023-12-01 | 59 days | 1,747 sqft |
| 2024-01-01 | 68 days | 1,728 sqft |
| 2024-02-01 | 58 days | 1,769 sqft |
| 2024-03-01 | 46 days | 1,788 sqft |
| 2024-04-01 | 40 days | 1,889 sqft |
| 2024-05-01 | 34 days | 1,891 sqft |
| 2024-06-01 | 40 days | 1,823 sqft |
| 2024-07-01 | 45 days | 1,854 sqft |
| 2024-08-01 | 45 days | 1,806 sqft |
| 2024-09-01 | 43 days | 1,777 sqft |
| 2024-10-01 | 48 days | 1,787 sqft |
| 2024-11-01 | 51 days | 1,830 sqft |
| 2024-12-01 | 63 days | 1,796 sqft |
| 2025-01-01 | 70 days | 1,784 sqft |
| 2025-02-01 | 65 days | 1,736 sqft |
| 2025-03-01 | 50 days | 1,802 sqft |
| 2025-04-01 | 39 days | 1,748 sqft |
CHAMPAIGN - URBANA's median listing age (time on market) for 2025-04-01 was 39 days.
This
is -2%
shorter
than the same period one year ago.
CHAMPAIGN - URBANA's median square footage for active listings during the 2025-04-01 period was 1,748 sqft. One year prior, the average listing was 1,889 sqft.
CHAMPAIGN - URBANA's median square footage for active listings during the 2025-04-01 period was 1,748 sqft. One year prior, the average listing was 1,889 sqft.
CHAMPAIGN-URBANA, IL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,221 | $540,425,000 | $243,325 |
| Refi | 404 | $143,870,000 | $356,114 |
| Cash Out Refi | 272 | $94,080,000 | $345,882 |
| Other | 192 | $14,100,000 | $73,438 |
| Home Improvement | 169 | $12,955,000 | $76,657 |
Champaign - Urbana's most frequently cited loan purpose was Home Purchase, with 2,221 originations. The 2nd most popular reason was Refi, with 404 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,182 | $277,850,000 | $235,068 |
| 7-8% | 635 | $142,995,000 | $225,189 |
| Over 8% | 363 | $53,325,000 | $146,901 |
| 5-6% | 254 | $123,340,000 | $485,591 |
| <2.5% | 57 | $615,000 | $10,789 |
| 4-5% | 26 | $22,190,000 | $853,462 |
| 3-4% | 4 | $410,000 | $102,500 |
During 2024, Champaign - Urbana's most frequently originated rate bucket was 6-7%, with 1,182 originations.
Loan Sizing (CHAMPAIGN-URBANA, IL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,189 | $174,395,000 | $146,674 |
| $200k-400k | 947 | $260,635,000 | $275,222 |
| $100,000 or less | 866 | $49,220,000 | $56,836 |
| $400k-600k | 159 | $74,115,000 | $466,132 |
| $600k-1000k | 63 | $46,215,000 | $733,571 |
| $Over $1MM | 34 | $200,850,000 | $5,907,353 |
CHAMPAIGN - URBANA's loan sizing saw the bucket of loans from $100k-200k with 1,189 originations, totaling $174,395,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,176 | $267,820,000 | $227,738 |
| 60-80% | 660 | $232,620,000 | $352,455 |
| Under 20% | 260 | $51,450,000 | $197,885 |
| 20-40% | 193 | $15,385,000 | $79,715 |
| 40-60% | 186 | $37,380,000 | $200,968 |
| Over 100% | 26 | $11,460,000 | $440,769 |
CHAMPAIGN - URBANA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,176 originations, totaling $267,820,000 in origination value.