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
7.1%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.16% and
one month ago for the week of 2026-10-01, the
average rate was 7.1%.
Champaign - Urbana's average rate one year ago was 6.19%.
For refis of the same type during the week of 2026-11-05, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Champaign - Urbana 30 Year Fixed Rate | 2026-11-05 | 7.1% |
| Champaign - Urbana 30 Year Fixed Rate Refi | 2026-11-05 | 6.98% |
| Champaign - Urbana 15 Year Fixed Rate | 2026-11-05 | 6.65% |
| Champaign - Urbana 15 Year Fixed Rate Refi | 2026-11-05 | 6.47% |
| Champaign - Urbana 30 Year FHA | 2026-11-05 | 7.02% |
| Champaign - Urbana 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Champaign - Urbana 30 Year USDA | 2026-11-05 | 7.2% |
| Champaign - Urbana 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Champaign - Urbana 30 Year VA | 2026-11-05 | 7.21% |
| Champaign - Urbana 30 Year VA Refi | 2026-11-05 | 6.66% |
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 130 lenders originated 3,587
loans during 2025. The total origination value was $2,303,215,000, with an average loan value of
$642,101.
CHAMPAIGN - URBANA's average closing costs are $3,293.
The top CHAMPAIGN - URBANA lender as defined by loan originations is BROKER SOLUTIONS, INC., with
210 loans originated. Their average total fees are
$3,586, which is $759
higher than the next largest lender,
UNIVERSITY OF ILLINOIS COMMUNITY.
The lowest fee CHAMPAIGN - URBANA lenders (with over 10 loans originated) are
CITIZENS EQUITY FIRST ($1,829), Prairie State Bank and Trust ($1,986), Bank of Springfield ($2,035), Heartland Bank and Trust Company ($2,227) and First Mid Bank & Trust ($2,236).
The lowest rate CHAMPAIGN - URBANA lenders (with over 10 loans originated) are
UNIVERSITY OF ILLINOIS COMMUNITY (5.61%), CITIZENS EQUITY FIRST (6.32%), Wells Fargo Bank (6.40%), Bank of Springfield (6.48%) and First Mid Bank & Trust (6.48%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| TEACHERS CREDIT UNION | $22,310,000 | $1,300,010,000 | 5,727.0% | 56.4% |
| BROKER SOLUTIONS, INC. | $52,995,000 | $69,125,000 | 30.4% | 3.0% |
| Busey Bank | $58,075,000 | $68,200,000 | 17.4% | 3.0% |
| PNC Bank | $37,585,000 | $52,425,000 | 39.5% | 2.3% |
| UNIVERSITY OF ILLINOIS COMMUNITY | $25,030,000 | $46,090,000 | 84.1% | 2.0% |
| FLAT BRANCH MORTGAGE, INC. | $50,720,000 | $42,490,000 | -16.2% | 1.8% |
| WALKER & DUNLOP, LLC | $41,180,000 | n/a | 1.8% | |
| PGIM Real Estate Finance, LLC | $35,945,000 | $37,005,000 | 2.9% | 1.6% |
| First Mid Bank & Trust | $8,020,000 | $34,145,000 | 325.7% | 1.5% |
| 1786 | $29,890,000 | $31,210,000 | 4.4% | 1.4% |
| Morton Community Bank | $19,270,000 | $29,130,000 | 51.2% | 1.3% |
| The Fisher National Bank | $22,845,000 | $28,545,000 | 25.0% | 1.2% |
| QUICKEN LOANS, LLC | $22,750,000 | $26,980,000 | 18.6% | 1.2% |
| Midland States Bank | $15,660,000 | $24,655,000 | 57.4% | 1.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $23,110,000 | $24,225,000 | 4.8% | 1.1% |
| First Federal Savings Bank of Champaign-Urbana | $26,445,000 | $23,685,000 | -10.4% | 1.0% |
| Bank of Springfield | $8,640,000 | $21,575,000 | 149.7% | 0.9% |
| Hickory Point Bank and Trust | $46,740,000 | $17,730,000 | -62.1% | 0.8% |
| First State Bank | $1,270,000 | $17,685,000 | 1,292.5% | 0.8% |
| JPMorgan Chase Bank | $9,290,000 | $16,980,000 | 82.8% | 0.7% |
| Iroquois Federal Savings and Loan Association | $16,800,000 | $16,530,000 | -1.6% | 0.7% |
| ORIX REAL ESTATE CAPITAL, LLC | $16,515,000 | n/a | 0.7% | |
| Prairie State Bank and Trust | $6,120,000 | $15,770,000 | 157.7% | 0.7% |
| BankChampaign, N.A. | $9,285,000 | $15,200,000 | 63.7% | 0.7% |
| Mortgage Research Center, LLC | $10,210,000 | $14,905,000 | 46.0% | 0.6% |
| INB | $13,135,000 | $14,685,000 | 11.8% | 0.6% |
| American Bank of Missouri | $13,085,000 | n/a | 0.6% | |
| UNITED WHOLESALE MORTGAGE, LLC | $10,885,000 | $12,530,000 | 15.1% | 0.5% |
| POINT Mortgage | $9,570,000 | $10,845,000 | 13.3% | 0.5% |
| U.S. Bank | $3,615,000 | $8,330,000 | 130.4% | 0.4% |
| First State Bank of Forrest | $3,220,000 | $8,175,000 | 153.9% | 0.4% |
| Baxter Credit Union | $7,365,000 | n/a | 0.3% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $6,905,000 | $6,935,000 | 0.4% | 0.3% |
| FIRST STATE MORTGAGE SERVICES, LLC | $6,305,000 | $6,405,000 | 1.6% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $3,240,000 | $6,165,000 | 90.3% | 0.3% |
| Heartland Bank and Trust Company | $4,175,000 | $6,095,000 | 46.0% | 0.3% |
| CITIZENS EQUITY FIRST | $5,770,000 | $5,860,000 | 1.6% | 0.3% |
| First State Bank | $1,270,000 | $5,210,000 | 310.2% | 0.2% |
| The Gifford State Bank | $4,540,000 | $5,195,000 | 14.4% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,835,000 | $5,185,000 | 35.2% | 0.2% |
| Merchants Bank of Indiana | $4,905,000 | n/a | 0.2% | |
| Prospect Bank | $2,530,000 | $4,845,000 | 91.5% | 0.2% |
| GUARANTEED RATE, INC. | $2,850,000 | $4,750,000 | 66.7% | 0.2% |
| First Financial Bank | $4,555,000 | $4,720,000 | 3.6% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $3,075,000 | $4,255,000 | 38.4% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,440,000 | $3,785,000 | 162.8% | 0.2% |
| NEWREZ LLC | $1,635,000 | $3,750,000 | 129.4% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $4,630,000 | $3,420,000 | -26.1% | 0.1% |
| Wells Fargo Bank | $2,015,000 | $3,365,000 | 67.0% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,515,000 | $2,835,000 | 12.7% | 0.1% |
| Old National Bank | $17,785,000 | $2,510,000 | -85.9% | 0.1% |
| LOANDEPOT.COM, LLC | $2,380,000 | $2,450,000 | 2.9% | 0.1% |
| USAA Federal Savings Bank | $2,835,000 | $2,445,000 | -13.8% | 0.1% |
| State Bank of Bement | $2,710,000 | $2,395,000 | -11.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $865,000 | $2,215,000 | 156.1% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,870,000 | $2,165,000 | 15.8% | 0.1% |
| Regions Bank | $2,240,000 | $2,160,000 | -3.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $665,000 | $2,145,000 | 222.6% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $905,000 | $1,980,000 | 118.8% | 0.1% |
| Farm Credit Mid-America, ACA | $165,000 | $1,650,000 | 900.0% | 0.1% |
| S1L, Inc. | $1,610,000 | n/a | 0.1% | |
| GREENSTATE CREDIT UNION | $525,000 | $1,595,000 | 203.8% | 0.1% |
| GUILD MORTGAGE COMPANY | $2,435,000 | $1,555,000 | -36.1% | 0.1% |
| Figure Lending LLC | $580,000 | $1,510,000 | 160.3% | 0.1% |
| Carrington Mortgage Services, LLC | $180,000 | $1,485,000 | 725.0% | 0.1% |
| Bank of America | $780,000 | $1,460,000 | 87.2% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $900,000 | $1,390,000 | 54.4% | 0.1% |
| Fifth Third Bank | $35,000 | $1,365,000 | 3,800.0% | 0.1% |
| PREMIA MORTGAGE, LLC | $255,000 | $1,235,000 | 384.3% | 0.1% |
| LENDSURE MORTGAGE CORP. | $245,000 | $1,190,000 | 385.7% | 0.1% |
| Citizens Bank | $120,000 | $1,130,000 | 841.7% | 0.0% |
| Petefish, Skiles & Co. | $570,000 | $1,120,000 | 96.5% | 0.0% |
| The Federal Savings Bank | $335,000 | $1,075,000 | 220.9% | 0.0% |
| Coastal Community Bank | $690,000 | $1,055,000 | 52.9% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $205,000 | $1,035,000 | 404.9% | 0.0% |
| Carrollton Bank | $1,020,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $1,000,000 | $1,020,000 | 2.0% | 0.0% |
| TOWNE MORTGAGE COMPANY | $360,000 | $990,000 | 175.0% | 0.0% |
| Bank & Trust Company | $395,000 | $960,000 | 143.0% | 0.0% |
| Deere Employees Credit Union | $960,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $355,000 | $910,000 | 156.3% | 0.0% |
| Stifel Bank and Trust | $895,000 | n/a | 0.0% | |
| Nations Lending Corporation | $250,000 | $880,000 | 252.0% | 0.0% |
| The Loan Store, Inc. | $375,000 | $880,000 | 134.7% | 0.0% |
| NEW DAY FINANCIAL, LLC | $300,000 | $800,000 | 166.7% | 0.0% |
| Equity Prime Mortgage LLC | $410,000 | $785,000 | 91.5% | 0.0% |
| NFM, INC. | $155,000 | $755,000 | 387.1% | 0.0% |
| Arvest Bank | $545,000 | $750,000 | 37.6% | 0.0% |
| Bank of Gibson City | $835,000 | $750,000 | -10.2% | 0.0% |
| Community Mortgage Banc Corporation | $580,000 | $745,000 | 28.4% | 0.0% |
| BETTER MORTGAGE CORPORATION | $775,000 | $740,000 | -4.5% | 0.0% |
| University of Wisconsin Credit Union | $105,000 | $725,000 | 590.5% | 0.0% |
| General Mortgage Capital Corporation | $715,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $755,000 | $710,000 | -6.0% | 0.0% |
| PLANET HOME LENDING, LLC | $275,000 | $710,000 | 158.2% | 0.0% |
| BMO Harris Bank | $525,000 | $695,000 | 32.4% | 0.0% |
| United Community Bank | $685,000 | $690,000 | 0.7% | 0.0% |
| Key Mortgage Services, Inc. | $145,000 | $670,000 | 362.1% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $145,000 | $665,000 | 358.6% | 0.0% |
| DECATUR EARTHMOVER CREDIT UNION | $755,000 | $655,000 | -13.2% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $160,000 | $655,000 | 309.4% | 0.0% |
| The Huntington National Bank | $2,890,000 | $655,000 | -77.3% | 0.0% |
| DAS Acquisition Company, LLC | $425,000 | $650,000 | 52.9% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $660,000 | $625,000 | -5.3% | 0.0% |
| SPRING EQ, LLC | $270,000 | $625,000 | 131.5% | 0.0% |
| NBKC BANK | $1,710,000 | $620,000 | -63.7% | 0.0% |
| Magnolia Bank | $615,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $350,000 | $610,000 | 74.3% | 0.0% |
| TruHome Solutions, LLC | $610,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $605,000 | n/a | 0.0% | |
| ENCORE BANK | $625,000 | $595,000 | -4.8% | 0.0% |
| Credence Funding Corporation | $580,000 | n/a | 0.0% | |
| Cathay Bank | $570,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $560,000 | n/a | 0.0% | |
| Discover Bank | $900,000 | $555,000 | -38.3% | 0.0% |
| COMPASS MORTGAGE, INC. | $1,060,000 | $540,000 | -49.1% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $195,000 | $530,000 | 171.8% | 0.0% |
| CIBM Bank | $615,000 | $525,000 | -14.6% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $860,000 | $525,000 | -39.0% | 0.0% |
| ILLINOIS STATE CREDIT UNION | $35,000 | $520,000 | 1,385.7% | 0.0% |
| GENISYS | $515,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $685,000 | $510,000 | -25.5% | 0.0% |
| ALLIANT CREDIT UNION | $290,000 | $495,000 | 70.7% | 0.0% |
| NexBank | $575,000 | $480,000 | -16.5% | 0.0% |
| NEW WAVE LENDING GROUP INC | $475,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $465,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $465,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $1,290,000 | $450,000 | -65.1% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $55,000 | $450,000 | 718.2% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $225,000 | $445,000 | 97.8% | 0.0% |
| Credit Union 1 | $545,000 | $445,000 | -18.3% | 0.0% |
| Axos Bank | $420,000 | n/a | 0.0% | |
| First American Bank | $495,000 | $420,000 | -15.2% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $205,000 | $415,000 | 102.4% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $115,000 | $405,000 | 252.2% | 0.0% |
| Simmons Bank | $405,000 | n/a | 0.0% | |
| EMM LOANS LLC | $295,000 | $400,000 | 35.6% | 0.0% |
| LAKE MICHIGAN CREDIT UNION | $1,375,000 | $390,000 | -71.6% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $380,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $105,000 | $375,000 | 257.1% | 0.0% |
| DIGITAL Federal Credit Union | $375,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $95,000 | $375,000 | 294.7% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $935,000 | $375,000 | -59.9% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $350,000 | $370,000 | 5.7% | 0.0% |
| ENVOY MORTGAGE, LTD | $215,000 | $370,000 | 72.1% | 0.0% |
| Morgan Stanley Private Bank | $1,055,000 | $365,000 | -65.4% | 0.0% |
| First Federal Bank | $355,000 | n/a | 0.0% | |
| Citibank | $350,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $345,000 | n/a | 0.0% | |
| Libertyville Bank & Trust | $335,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $300,000 | $330,000 | 10.0% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $330,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $115,000 | $330,000 | 187.0% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $330,000 | n/a | 0.0% | |
| Oregon Community Bank | $325,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $320,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $105,000 | $320,000 | 204.8% | 0.0% |
| Commerce Bank | $310,000 | n/a | 0.0% | |
| FIRST COMMUNITY | $305,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $780,000 | $300,000 | -61.5% | 0.0% |
| VERITAS FUNDING, LLC | $290,000 | n/a | 0.0% | |
| FINANCIAL PLUS | $285,000 | n/a | 0.0% | |
| Kentland Bank | $285,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $275,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $275,000 | n/a | 0.0% | |
| Atlantic Union Bank | $265,000 | n/a | 0.0% | |
| Metro City Bank | $265,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $265,000 | n/a | 0.0% | |
| Flanagan State Bank | $95,000 | $255,000 | 168.4% | 0.0% |
| M&T Bank | $355,000 | $250,000 | -29.6% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $245,000 | n/a | 0.0% | |
| OCMBC, INC. | $245,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $340,000 | $240,000 | -29.4% | 0.0% |
| BAY EQUITY LLC | $85,000 | $235,000 | 176.5% | 0.0% |
| Prosperity Home Mortgage, LLC | $195,000 | $235,000 | 20.5% | 0.0% |
| UIF CORPORATION | $575,000 | $225,000 | -60.9% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $215,000 | n/a | 0.0% | |
| MORTGAGE 1 INCORPORATED | $215,000 | n/a | 0.0% | |
| Buena Vista National Bank | $55,000 | $210,000 | 281.8% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $205,000 | $210,000 | 2.4% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $205,000 | $210,000 | 2.4% | 0.0% |
| Bank of Pontiac | $555,000 | $205,000 | -63.1% | 0.0% |
| Dieterich Bank | $205,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $440,000 | $205,000 | -53.4% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $195,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| Bank of Hope | $195,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $195,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $55,000 | $195,000 | 254.5% | 0.0% |
| AmeriHome Mortgage Company, LLC | $325,000 | $185,000 | -43.1% | 0.0% |
| EVERETT FINANCIAL, INC. | $125,000 | $185,000 | 48.0% | 0.0% |
| Germantown Trust & Savings Bank | $185,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $155,000 | $185,000 | 19.4% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $180,000 | n/a | 0.0% | |
| First National Bank of America | $500,000 | $175,000 | -65.0% | 0.0% |
| Havana National Bank | $175,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $500,000 | $175,000 | -65.0% | 0.0% |
| GSF Mortgage Corporation | $165,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $165,000 | n/a | 0.0% | |
| National Bank of St. Anne | $165,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $330,000 | $155,000 | -53.0% | 0.0% |
| Vermilion Valley Bank | $155,000 | n/a | 0.0% | |
| Armed Forces Bank | $145,000 | n/a | 0.0% | |
| Byron Bank | $145,000 | n/a | 0.0% | |
| FAIR WAY LENDING LLC | $145,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $195,000 | $145,000 | -25.6% | 0.0% |
| RESIDENTIAL BANCORP | $145,000 | n/a | 0.0% | |
| Ixonia Bank | $965,000 | $135,000 | -86.0% | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | $135,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $465,000 | $135,000 | -71.0% | 0.0% |
| The Peoples State Bank of Newton, Illinois | $135,000 | n/a | 0.0% | |
| COMPEER FINANCIAL, FLCA | $325,000 | $125,000 | -61.5% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $95,000 | $115,000 | 21.1% | 0.0% |
| CARDINAL FINANCIAL | $505,000 | $105,000 | -79.2% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $105,000 | n/a | 0.0% | |
| TrustBank | $100,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $1,865,000 | $95,000 | -94.9% | 0.0% |
| BOKF | $255,000 | $95,000 | -62.7% | 0.0% |
| Peoples National Bank of Kewanee | $95,000 | n/a | 0.0% | |
| Think Mutual Bank | $95,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $95,000 | n/a | 0.0% | |
| IAA Credit Union | $525,000 | $85,000 | -83.8% | 0.0% |
| Transportation Federal Credit Union | $85,000 | n/a | 0.0% | |
| 1st Source Bank | $465,000 | $65,000 | -86.0% | 0.0% |
| First Financial Bank | $4,555,000 | $55,000 | -98.8% | 0.0% |
| Scott State Bank | $45,000 | $35,000 | -22.2% | 0.0% |
CHAMPAIGN - URBANA's top lender by overall market share is TEACHERS CREDIT UNION, with 56.4% market share. In second place, with 3.0%, is BROKER SOLUTIONS, INC., having originated $69,125,000 in loans. In third place, with 3.0%, is Busey Bank, having originated $68,200,000 in loans. In fourth place, with 2.3%, is PNC Bank, having originated $52,425,000 in loans. In fifth place, with 2.0%, is UNIVERSITY OF ILLINOIS COMMUNITY, having originated $46,090,000 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%) | $209,415 (-0.9%) | 0.53 | 1,042 |
| 2019-11-01 | $163,200 (-3.3%) | $208,138 (-0.6%) | 0.54 | 1,010 |
| 2019-12-01 | $155,875 (-5.5%) | $208,501 (2.6%) | 0.52 | 929 |
| 2020-01-01 | $159,400 (-3.4%) | $208,784 (1.7%) | 0.53 | 865 |
| 2020-02-01 | $174,900 (6.0%) | $223,056 (5.2%) | 0.57 | 799 |
| 2020-03-01 | $180,925 (5.7%) | $231,312 (4.8%) | 0.57 | 789 |
| 2020-04-01 | $184,950 (2.1%) | $232,704 (1.6%) | 0.58 | 753 |
| 2020-05-01 | $189,900 (2.9%) | $237,821 (3.6%) | 0.58 | 659 |
| 2020-06-01 | $190,650 (4.2%) | $239,871 (5.2%) | 0.56 | 614 |
| 2020-07-01 | $199,800 (12.0%) | $250,932 (12.5%) | 0.58 | 592 |
| 2020-08-01 | $193,450 (13.3%) | $246,258 (13.1%) | 0.55 | 539 |
| 2020-09-01 | $189,900 (13.9%) | $243,428 (14.6%) | 0.54 | 536 |
| 2020-10-01 | $177,500 (7.8%) | $236,646 (13.0%) | 0.51 | 496 |
| 2020-11-01 | $169,900 (4.1%) | $229,214 (10.1%) | 0.50 | 476 |
| 2020-12-01 | $176,049 (12.9%) | $231,047 (10.8%) | 0.52 | 427 |
| 2021-01-01 | $167,500 (5.1%) | $226,330 (8.4%) | 0.50 | 370 |
| 2021-02-01 | $161,950 (-7.4%) | $223,711 (0.3%) | 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 (7.4%) | 0.46 | 256 |
| 2021-05-01 | $174,900 (-7.9%) | $256,563 (7.9%) | 0.46 | 267 |
| 2021-06-01 | $184,675 (-3.1%) | $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 (-12.2%) | $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 (2.5%) | 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 | $257,425 (0.6%) | $334,530 (0.5%) | 0.61 | 327 |
| 2024-10-01 | $260,700 (6.0%) | $340,707 (6.9%) | 0.62 | 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%) | 0.61 | 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 |
| 2025-05-01 | $262,400 (-13.2%) | $330,817 (-11.4%) | 0.60 | 243 |
| 2025-06-01 | $265,000 (-10.7%) | $334,743 (-4.2%) | 0.60 | 271 |
| 2025-07-01 | $272,450 (-7.6%) | $336,086 (-6.4%) | 0.62 | 305 |
| 2025-08-01 | $275,000 (-1.8%) | $335,912 (-4.8%) | 0.64 | 337 |
| 2025-09-01 | $272,450 (5.8%) | $334,448 (0.0%) | 0.64 | 386 |
| 2025-10-01 | $257,700 (-1.2%) | $323,879 (-4.9%) | 0.61 | 386 |
| 2025-11-01 | $254,900 (-3.8%) | $324,967 (-4.3%) | 0.61 | 390 |
| 2025-12-01 | $249,950 (1.5%) | $312,615 (-3.4%) | 0.63 | 368 |
| 2026-01-01 | $247,150 (0.3%) | $313,480 (-1.9%) | 0.62 | 320 |
| 2026-02-01 | $262,450 (7.1%) | $331,439 (5.3%) | 0.65 | 292 |
| 2026-03-01 | $275,950 (0.4%) | $338,894 (-0.1%) | 0.66 | 310 |
| 2026-04-01 | $309,925 (17.6%) | $371,988 (13.7%) | 0.73 | 347 |
| 2026-05-01 | $326,500 (24.4%) | $389,385 (17.7%) | 0.76 | 357 |
| 2026-06-01 | $339,900 (28.3%) | $392,391 (17.2%) | 0.79 | 409 |
| 2026-07-01 | $325,000 (19.3%) | $389,205 (15.8%) | 0.76 | 443 |
| 2026-08-01 | $319,900 (16.3%) | $389,555 (16.0%) | 0.75 | 477 |
| 2026-09-01 | $299,950 (10.1%) | $370,618 (10.8%) | 0.00 | 506 |
| 2026-10-01 | $289,900 (12.5%) | $361,712 (11.7%) | 0.00 | 523 |
CHAMPAIGN - URBANA's median listing price for 2026-10-01 was $289,900, a difference of
$32,200
(12.5%) versus the prior year and
$-10,050 versus the prior month.
CHAMPAIGN - URBANA's median listing price comes in at 0% of the national average.
CHAMPAIGN - URBANA's average listing price for 2026-10-01 was $361,712, a difference of $37,833 (11.7%) versus the prior year and $-8,906 versus the prior month.
For the 2026-10-01 period, CHAMPAIGN - URBANA had 523 MLS listings, a difference of 17 listings (3%) versus the prior month and 137 listings (35%) versus the prior year.
CHAMPAIGN - URBANA's median listing price comes in at 0% of the national average.
CHAMPAIGN - URBANA's average listing price for 2026-10-01 was $361,712, a difference of $37,833 (11.7%) versus the prior year and $-8,906 versus the prior month.
For the 2026-10-01 period, CHAMPAIGN - URBANA had 523 MLS listings, a difference of 17 listings (3%) versus the prior month and 137 listings (35%) 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 | 1,769 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 | 1,713 sqft |
| 2020-01-01 | 110 days | 1,700 sqft |
| 2020-02-01 | 110 days | 1,742 sqft |
| 2020-03-01 | 83 days | 1,785 sqft |
| 2020-04-01 | 77 days | 1,791 sqft |
| 2020-05-01 | 78 days | 1,780 sqft |
| 2020-06-01 | 76 days | 1,812 sqft |
| 2020-07-01 | 62 days | 1,842 sqft |
| 2020-08-01 | 58 days | 1,787 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 | 1,621 sqft |
| 2022-08-01 | 40 days | 1,651 sqft |
| 2022-09-01 | 48 days | 1,694 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 | 42 days | 1,778 sqft |
| 2024-10-01 | 48 days | 1,786 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 |
| 2025-05-01 | 37 days | 1,733 sqft |
| 2025-06-01 | 35 days | 1,731 sqft |
| 2025-07-01 | 35 days | 1,762 sqft |
| 2025-08-01 | 39 days | 1,772 sqft |
| 2025-09-01 | 44 days | 1,730 sqft |
| 2025-10-01 | 46 days | 1,749 sqft |
| 2025-11-01 | 51 days | 1,744 sqft |
| 2025-12-01 | 60 days | 1,721 sqft |
| 2026-01-01 | 71 days | 1,679 sqft |
| 2026-02-01 | 69 days | 1,714 sqft |
| 2026-03-01 | 46 days | 1,777 sqft |
| 2026-04-01 | 42 days | 1,824 sqft |
| 2026-05-01 | 39 days | 1,933 sqft |
| 2026-06-01 | 46 days | 1,942 sqft |
| 2026-07-01 | 46 days | 1,937 sqft |
| 2026-08-01 | 49 days | 1,901 sqft |
| 2026-09-01 | 0 days | 1,810 sqft |
| 2026-10-01 | 0 days | 1,809 sqft |
CHAMPAIGN - URBANA's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
CHAMPAIGN - URBANA's median square footage for active listings during the 2026-10-01 period was 1,809 sqft. One year prior, the average listing was 1,749 sqft.
CHAMPAIGN - URBANA's median square footage for active listings during the 2026-10-01 period was 1,809 sqft. One year prior, the average listing was 1,749 sqft.
CHAMPAIGN-URBANA, IL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,271 | $620,415,000 | $273,190 |
| Refi | 535 | $1,546,775,000 | $2,891,168 |
| Cash Out Refi | 359 | $102,705,000 | $286,086 |
| Other | 221 | $16,805,000 | $76,041 |
| Home Improvement | 201 | $16,515,000 | $82,164 |
Champaign - Urbana's most frequently cited loan purpose was Home Purchase, with 2,271 originations. The 2nd most popular reason was Refi, with 535 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,510 | $1,723,730,000 | $1,141,543 |
| 7-8% | 518 | $104,070,000 | $200,907 |
| 5-6% | 415 | $252,405,000 | $608,205 |
| Over 8% | 294 | $20,710,000 | $70,442 |
| 4-5% | 65 | $25,725,000 | $395,769 |
| <2.5% | 61 | $535,000 | $8,770 |
| 3-4% | 4 | $470,000 | $117,500 |
| 2.5-3% | 2 | $80,000 | $40,000 |
During 2025, Champaign - Urbana's most frequently originated rate bucket was 6-7%, with 1,510 originations.
Loan Sizing (CHAMPAIGN-URBANA, IL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,233 | $184,375,000 | $149,534 |
| $200k-400k | 1,143 | $317,845,000 | $278,080 |
| $100,000 or less | 863 | $48,185,000 | $55,834 |
| $400k-600k | 236 | $112,890,000 | $478,347 |
| $600k-1000k | 70 | $50,970,000 | $728,143 |
| $Over $1MM | 42 | $1,588,950,000 | $37,832,143 |
CHAMPAIGN - URBANA's loan sizing saw the bucket of loans from $100k-200k with 1,233 originations, totaling $184,375,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,327 | $353,035,000 | $266,040 |
| 60-80% | 703 | $354,945,000 | $504,900 |
| Under 20% | 293 | $11,495,000 | $39,232 |
| 20-40% | 286 | $42,690,000 | $149,266 |
| 40-60% | 205 | $34,715,000 | $169,341 |
| Over 100% | 25 | $1,323,615,000 | $52,944,600 |
CHAMPAIGN - URBANA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,327 originations, totaling $353,035,000 in origination value.