Dixon Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Dixon averaged 6.76% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 6.94% and one month ago for the week of 2023-02-16, the average rate was 6.46%.

    Dixon's average rate one year ago was 4.01%.

    For refis of the same type during the week of 2023-03-23, the average rate was 7.04%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Dixon 30 Year Fixed Rate 2023-03-23 6.76%
    Dixon 30 Year Fixed Rate Refi 2023-03-23 7.04%
    Dixon 15 Year Fixed Rate 2023-03-23 5.98%
    Dixon 15 Year Fixed Rate Refi 2023-03-23 5.9%
    Dixon 30 Year FHA 2023-03-23 6.43%
    Dixon 30 Year FHA Refi 2023-03-23 6.35%
    Dixon 30 Year USDA 2023-03-23 6.4%
    Dixon 30 Year USDA Refi 2023-03-23 4.76%
    Dixon 30 Year VA 2023-03-23 6.42%
    Dixon 30 Year VA Refi 2023-03-23 5.79%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Dixon, IL.

    Dixon 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 Dixon, 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
    First State Bank 19 4.38% $2,413
    QUICKEN LOANS, LLC 9 5.20% $6,153
    U.S. Bank 9 4.69% $2,469
    ENVOY MORTGAGE, LTD 6 6.06% $4,348
    FINANCIAL PLUS 6 4.80% $1,158
    PLANET HOME LENDING, LLC 6 4.62% $2,661
    JPMorgan Chase Bank 6 5.50% $4,203
    Midland States Bank 5 5.98% $4,136
    Central Bank Illinois 4 5.03% $1,619
    LOANDEPOT.COM, LLC 4 5.41% $4,706
    COMPASS MORTGAGE, INC. 4 5.66% $4,319
    GUARANTEED RATE, INC. 4 4.88% $3,801
    CHERRY CREEK MORTGAGE, LLC 4 6.78% $1,179
    The Huntington National Bank 3 5.93% $2,858
    Fifth Third Bank 3 5.69% $2,343
    UNITED WHOLESALE MORTGAGE, LLC 3 6.00% $5,038
    CALIBER HOME LOANS, INC. 3 4.54% $3,962
    NAVY FEDERAL CREDIT UNION 3 5.29% $2,869
    Wells Fargo Bank 3 4.63% $1,090
    I. H. MISSISSIPPI VALLEY CREDIT UNION 2 3.56% $2,186
    Old National Bank 2 4.88% $3,023
    First Federal Savings Bank 2 6.00% $1,651
    Mr. Cooper ( Nationstar Mortgage ) 2 4.06% $4,218
    Servion, Inc. 2 6.63% $3,128
    AMERISAVE MORTGAGE CORPORATION 2 4.25% $7,497
    Flanagan State Bank 2 4.94% $2,688
    ZILLOW HOME LOANS, LLC 1 5.13% $5,164
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.99% $3,383
    BETTER MORTGAGE CORPORATION 1 5.50% $4,124
    Blackhawk Bank 1 5.88% $3,057
    BMO Harris Bank 1 4.13% $3,322
    CITIZENS EQUITY FIRST 1 4.88% $969
    Community Mortgage Banc Corporation 1 5.78% $2,845
    Credit Union 1 1 4.00% $3,402
    CROSSCOUNTRY MORTGAGE, LLC 1 4.99% $3,634
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.38% $2,413
    FINANCE OF AMERICA MORTGAGE LLC 1 3.88% $5,373
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.63% $4,720
    First Federal Bank 1 3.13% $2,693
    FIRST STATE MORTGAGE SERVICES, LLC 1 3.75% $2,901
    GUARANTEED RATE AFFINITY, LLC 1 4.99% $6,676
    Home State Bank 1 6.00% $4,690
    KINECTA 1 7.25% $3,658
    LIBERTY HOME MORTGAGE CORPORATION 1 5.50% $5,822
    Marine Bank 1 5.13% $2,061
    Nations Lending Corporation 1 5.88% $4,864
    Old Second National Bank 1 5.63% $2,878
    Paramount Residential Mortgage Group, Inc. 1 6.88% $6,422
    Stillman BancCorp N.A. 1 5.84% $1,528
    The First National Bank and Trust Company 1 4.38% $2,607
    UNION HOME MORTGAGE CORP. 1 5.50% $3,344
    American Bank and Trust Company 1 3.74% $7,532

    Dixon Average Closing Costs & Other Stats

    Dixon, IL's 52 lenders originated 498 loans during 2022. The total origination value was $65,670,000, with an average loan value of $131,867.

    Dixon's average closing costs are $3,883.

    The top Dixon lender as defined by loan originations is First State Bank, with 19 loans originated. Their average total fees are $2,413, which is $3,740 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Dixon lenders (with over 10 loans originated) are First State Bank ($2,413), .

    The lowest rate Dixon lenders (with over 10 loans originated) are First State Bank (4.38%), .

    Dixon, 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
    Sauk Valley Bank & Trust Company $11,590,000 $8,285,000 -28.5% 12.6%
    First State Bank $3,740,000 $5,400,000 44.4% 8.2%
    QUICKEN LOANS, LLC $8,390,000 $4,275,000 -49.0% 6.5%
    U.S. Bank $9,530,000 $3,555,000 -62.7% 5.4%
    The First National Bank and Trust Company $2,800,000 n/a 4.3%
    Mortgage Research Center, LLC $1,135,000 $2,100,000 85.0% 3.2%
    PLANET HOME LENDING, LLC $355,000 $1,745,000 391.5% 2.7%
    Midland States Bank $1,515,000 $1,740,000 14.9% 2.6%
    GUARANTEED RATE, INC. $2,230,000 $1,620,000 -27.4% 2.5%
    LOANDEPOT.COM, LLC $1,935,000 $1,600,000 -17.3% 2.4%
    Fifth Third Bank $970,000 $1,390,000 43.3% 2.1%
    COMPASS MORTGAGE, INC. $775,000 $1,340,000 72.9% 2.0%
    ENVOY MORTGAGE, LTD $1,070,000 $1,340,000 25.2% 2.0%
    CALIBER HOME LOANS, INC. $2,170,000 $1,225,000 -43.5% 1.9%
    UNITED WHOLESALE MORTGAGE, LLC $1,220,000 $1,215,000 -0.4% 1.9%
    FINANCE OF AMERICA MORTGAGE LLC $1,570,000 $1,175,000 -25.2% 1.8%
    Central Bank Illinois $3,195,000 $1,105,000 -65.4% 1.7%
    Wells Fargo Bank $605,000 $1,035,000 71.1% 1.6%
    Holcomb Bank $1,045,000 $935,000 -10.5% 1.4%
    Flanagan State Bank $1,000,000 $870,000 -13.0% 1.3%
    CHERRY CREEK MORTGAGE, LLC $480,000 $775,000 61.5% 1.2%
    FREEDOM MORTGAGE CORPORATION $1,935,000 $765,000 -60.5% 1.2%
    JPMorgan Chase Bank $550,000 $765,000 39.1% 1.2%
    CROSSCOUNTRY MORTGAGE, LLC $135,000 $645,000 377.8% 1.0%
    AMERISAVE MORTGAGE CORPORATION $1,160,000 $600,000 -48.3% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,340,000 $600,000 -55.2% 0.9%
    FINANCIAL PLUS $510,000 $585,000 14.7% 0.9%
    Mr. Cooper ( Nationstar Mortgage ) $1,105,000 $555,000 -49.8% 0.8%
    ALLIANT CREDIT UNION $75,000 $535,000 613.3% 0.8%
    First Federal Bank $650,000 $530,000 -18.5% 0.8%
    Old Second National Bank $635,000 $525,000 -17.3% 0.8%
    Ixonia Bank $1,795,000 $520,000 -71.0% 0.8%
    The Huntington National Bank $240,000 $470,000 95.8% 0.7%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,040,000 $465,000 -55.3% 0.7%
    USAA Federal Savings Bank $870,000 $460,000 -47.1% 0.7%
    FIRST STATE MORTGAGE SERVICES, LLC $95,000 $440,000 363.2% 0.7%
    BROKER SOLUTIONS, INC. $260,000 $360,000 38.5% 0.5%
    First Federal Savings Bank $805,000 $360,000 -55.3% 0.5%
    PENNYMAC LOAN SERVICES, LLC $910,000 $355,000 -61.0% 0.5%
    FIRST CENTENNIAL MORTGAGE CORPORATION $2,300,000 $350,000 -84.8% 0.5%
    American Bank and Trust Company $335,000 n/a 0.5%
    Neighborhood Loans, Inc. $400,000 $335,000 -16.3% 0.5%
    BMO Harris Bank $110,000 $330,000 200.0% 0.5%
    NAVY FEDERAL CREDIT UNION $250,000 $325,000 30.0% 0.5%
    Busey Bank $295,000 n/a 0.4%
    Servion, Inc. $290,000 n/a 0.4%
    Waterstone Mortgage Corporation $270,000 n/a 0.4%
    Union Savings Bank $540,000 $265,000 -50.9% 0.4%
    THE ANDERSON FINANCIAL GROUP, INC. $225,000 $245,000 8.9% 0.4%
    Paramount Residential Mortgage Group, Inc. $240,000 n/a 0.4%
    Rock Valley Credit Union $235,000 n/a 0.4%
    Bankers' Bank $230,000 n/a 0.4%
    Old National Bank $220,000 n/a 0.3%
    I. H. MISSISSIPPI VALLEY CREDIT UNION $115,000 $215,000 87.0% 0.3%
    UNION HOME MORTGAGE CORP. $85,000 $205,000 141.2% 0.3%
    KINECTA $195,000 n/a 0.3%
    United Community Bank $315,000 $185,000 -41.3% 0.3%
    First National Bank of Omaha $760,000 $160,000 -78.9% 0.2%
    INLAND BANK & TRUST $325,000 $160,000 -50.8% 0.2%
    Byron Bank $1,765,000 $155,000 -91.2% 0.2%
    CITIZENS EQUITY FIRST $115,000 $155,000 34.8% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $155,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $115,000 $155,000 34.8% 0.2%
    Bank of Springfield $235,000 $150,000 -36.2% 0.2%
    First American Bank $260,000 $150,000 -42.3% 0.2%
    Flagstar Bank, FSB $415,000 $150,000 -63.9% 0.2%
    Stillman BancCorp N.A. $830,000 $150,000 -81.9% 0.2%
    GUARANTEED RATE AFFINITY, LLC $145,000 n/a 0.2%
    Bank of England $125,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $220,000 $125,000 -43.2% 0.2%
    Blackhawk Bank $280,000 $115,000 -58.9% 0.2%
    ACADEMY MORTGAGE CORPORATION $110,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $145,000 $105,000 -27.6% 0.2%
    Community Mortgage Banc Corporation $660,000 $105,000 -84.1% 0.2%
    LIBERTY HOME MORTGAGE CORPORATION $105,000 n/a 0.2%
    Marine Bank $555,000 $105,000 -81.1% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 n/a 0.2%
    CONSUMERS COOPERATIVE CREDIT UNION $145,000 $95,000 -34.5% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $95,000 $95,000 0.0% 0.1%
    HealthCare Associates Credit Union $90,000 n/a 0.1%
    Associated Bank $435,000 $85,000 -80.5% 0.1%
    ATLANTA POSTAL $85,000 n/a 0.1%
    Carrollton Bank $85,000 n/a 0.1%
    First Guaranty Mortgage Corporation $235,000 $85,000 -63.8% 0.1%
    Home State Bank $85,000 n/a 0.1%
    NEWREZ LLC $300,000 $85,000 -71.7% 0.1%
    Bank of America $120,000 $80,000 -33.3% 0.1%
    Nations Lending Corporation $75,000 n/a 0.1%
    Credit Union 1 $65,000 n/a 0.1%
    Farmers National Bank $335,000 $55,000 -83.6% 0.1%
    DuPage Credit Union $50,000 n/a 0.1%
    Baxter Credit Union $25,000 n/a 0.0%

    Dixon's top lender by overall market share is Sauk Valley Bank & Trust Company, with 12.6% market share. In second place, with 8.2%, is First State Bank, having originated $5,400,000 in loans. In third place, with 6.5%, is QUICKEN LOANS, LLC, having originated $4,275,000 in loans. In fourth place, with 5.4%, is U.S. Bank, having originated $3,555,000 in loans. In fifth place, with 4.3%, is The First National Bank and Trust Company, having originated $2,800,000 in loans.

    Dixon Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Dixon (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 $114,700 (-2.5%) $142,853 (-8.5%) 0.00 117
    2018-02-01 $121,725 (6.4%) $148,525 (-3.0%) 0.00 120
    2018-03-01 $119,900 (0.6%) $153,841 (-1.2%) 0.00 123
    2018-04-01 $125,725 (4.8%) $155,356 (-2.8%) 0.00 136
    2018-05-01 $129,200 (-0.2%) $158,719 (-3.0%) 0.00 146
    2018-06-01 $125,950 (3.9%) $158,830 (1.9%) 0.00 152
    2018-07-01 $119,675 (-0.2%) $153,434 (-0.3%) 0.00 144
    2018-08-01 $119,450 (0.4%) $156,398 (2.1%) 0.00 150
    2018-09-01 $123,750 (6.7%) $164,232 (9.4%) 0.00 142
    2018-10-01 $129,800 (13.6%) $167,644 (11.4%) 0.00 141
    2018-11-01 $124,675 (11.4%) $161,125 (13.8%) 0.00 131
    2018-12-01 $119,900 (14.2%) $159,172 (15.4%) 0.00 130
    2019-01-01 $116,950 (2.0%) $150,775 (5.6%) 0.00 131
    2019-02-01 $123,675 (1.6%) $156,926 (5.7%) 0.00 123
    2019-03-01 $127,829 (6.6%) $164,077 (6.7%) 0.00 119
    2019-04-01 $135,125 (7.5%) $177,751 (14.4%) 0.00 117
    2019-05-01 $138,475 (7.2%) $185,503 (16.9%) 0.00 111
    2019-06-01 $149,625 (18.8%) $188,512 (18.7%) 0.00 121
    2019-07-01 $147,225 (23.0%) $183,385 (19.5%) 0.00 118
    2019-08-01 $143,191 (19.9%) $177,915 (13.8%) 0.00 132
    2019-09-01 $133,802 (8.1%) $170,226 (3.7%) 0.00 141
    2019-10-01 $127,450 (-1.8%) $163,229 (-2.6%) 0.00 150
    2019-11-01 $127,900 (2.6%) $159,838 (-0.8%) 0.00 144
    2019-12-01 $128,450 (7.1%) $155,437 (-2.4%) 0.00 139
    2020-01-01 $129,000 (10.3%) $160,361 (6.4%) 0.00 132
    2020-02-01 $129,250 (4.5%) $156,284 (-0.4%) 0.00 120
    2020-03-01 $136,700 (6.9%) $165,436 (0.8%) 0.00 121
    2020-04-01 $140,550 (4.0%) $173,204 (-2.6%) 0.00 109
    2020-05-01 $135,000 (-2.5%) $164,969 (-11.1%) 0.00 99
    2020-06-01 $145,700 (-2.6%) $182,819 (-3.0%) 0.00 97
    2020-07-01 $139,675 (-5.1%) $176,568 (-3.7%) 0.00 106
    2020-08-01 $135,000 (-5.7%) $174,972 (-1.7%) 0.00 96
    2020-09-01 $136,700 (2.2%) $165,870 (-2.6%) 0.00 100
    2020-10-01 $139,000 (9.1%) $174,163 (6.7%) 0.00 104
    2020-11-01 $129,900 (1.6%) $173,913 (8.8%) 0.00 93
    2020-12-01 $125,925 (-2.0%) $159,676 (2.7%) 0.00 79
    2021-01-01 $124,900 (-3.2%) $164,688 (2.7%) 0.00 68
    2021-02-01 $127,400 (-1.4%) $169,855 (8.7%) 0.00 67
    2021-03-01 $129,250 (-5.5%) $167,369 (1.2%) 0.00 53
    2021-04-01 $134,175 (-4.5%) $170,991 (-1.3%) 0.00 45
    2021-05-01 $132,000 (-2.2%) $181,602 (10.1%) 0.00 37
    2021-06-01 $144,950 (-0.5%) $193,029 (5.6%) 0.00 44
    2021-07-01 $134,000 (-4.1%) $203,647 (15.3%) 0.00 54
    2021-08-01 $134,225 (-0.6%) $205,296 (17.3%) 0.00 61
    2021-09-01 $135,975 (-0.5%) $206,490 (24.5%) 0.00 68
    2021-10-01 $149,900 (7.8%) $206,317 (18.5%) 0.00 63
    2021-11-01 $139,900 (7.7%) $189,537 (9.0%) 0.00 60
    2021-12-01 $129,500 (2.8%) $178,681 (11.9%) 0.00 59
    2022-01-01 $120,500 (-3.5%) $169,099 (2.7%) 0.00 49
    2022-02-01 $115,875 (-9.1%) $159,207 (-6.3%) 0.00 51
    2022-03-01 $115,225 (-10.9%) $173,144 (3.5%) 0.00 45
    2022-04-01 $110,000 (-18.0%) $256,671 (50.1%) 0.00 35
    2022-05-01 $112,575 (-14.7%) $238,531 (31.4%) 0.00 43
    2022-06-01 $173,725 (19.9%) $256,091 (32.7%) 0.00 48
    2022-07-01 $189,000 (41.0%) $269,489 (32.3%) 0.00 55
    2022-08-01 $183,450 (36.7%) $264,703 (28.9%) 0.00 59
    2022-09-01 $172,450 (26.8%) $253,859 (22.9%) 0.00 59
    2022-10-01 $160,000 (6.7%) $239,100 (15.9%) 0.00 56
    2022-11-01 $145,000 (3.7%) $227,110 (19.8%) 0.00 51
    2022-12-01 $162,500 (25.5%) $224,695 (25.8%) 0.00 48
    2023-01-01 $133,250 (10.6%) $156,912 (-7.2%) 0.00 42
    2023-02-01 $139,425 (20.3%) $169,927 (6.7%) 0.00 35
    Dixon's median listing price for 2023-02-01 was $139,425, a difference of $23,550 (20.3%) versus the prior year and $6,175 versus the prior month.

    Dixon's median listing price comes in at 0% of the national average.

    Dixon's average listing price for 2023-02-01 was $169,927, a difference of $10,720 (6.7%) versus the prior year and $13,015 versus the prior month.

    For the 2023-02-01 period, Dixon had 35 MLS listings, a difference of -7 listings (-17%) versus the prior month and -16 listings (-31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dixon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,615 sqft
    2018-02-01 0 days 1,651 sqft
    2018-03-01 0 days 1,624 sqft
    2018-04-01 0 days 1,652 sqft
    2018-05-01 0 days 1,680 sqft
    2018-06-01 0 days 1,670 sqft
    2018-07-01 0 days 1,680 sqft
    2018-08-01 0 days 1,678 sqft
    2018-09-01 0 days 1,714 sqft
    2018-10-01 0 days 1,719 sqft
    2018-11-01 0 days 1,748 sqft
    2018-12-01 0 days 1,680 sqft
    2019-01-01 0 days 1,656 sqft
    2019-02-01 0 days 1,710 sqft
    2019-03-01 0 days 1,711 sqft
    2019-04-01 0 days 1,721 sqft
    2019-05-01 0 days 1,759 sqft
    2019-06-01 0 days 1,757 sqft
    2019-07-01 0 days 1,750 sqft
    2019-08-01 0 days 1,724 sqft
    2019-09-01 0 days 1,671 sqft
    2019-10-01 0 days 1,657 sqft
    2019-11-01 0 days 1,634 sqft
    2019-12-01 0 days 1,548 sqft
    2020-01-01 0 days 1,525 sqft
    2020-02-01 0 days 1,581 sqft
    2020-03-01 0 days 1,728 sqft
    2020-04-01 0 days 1,792 sqft
    2020-05-01 0 days 1,729 sqft
    2020-06-01 0 days 1,806 sqft
    2020-07-01 0 days 1,782 sqft
    2020-08-01 0 days 1,781 sqft
    2020-09-01 0 days 1,812 sqft
    2020-10-01 0 days 1,828 sqft
    2020-11-01 0 days 1,753 sqft
    2020-12-01 0 days 1,627 sqft
    2021-01-01 0 days 1,625 sqft
    2021-02-01 0 days 1,643 sqft
    2021-03-01 0 days 1,634 sqft
    2021-04-01 0 days 1,501 sqft
    2021-05-01 0 days 1,505 sqft
    2021-06-01 0 days 1,524 sqft
    2021-07-01 0 days 1,594 sqft
    2021-08-01 0 days 1,571 sqft
    2021-09-01 0 days 1,572 sqft
    2021-10-01 0 days 1,555 sqft
    2021-11-01 0 days 1,524 sqft
    2021-12-01 0 days 1,530 sqft
    2022-01-01 0 days 1,639 sqft
    2022-02-01 0 days 1,455 sqft
    2022-03-01 0 days 1,495 sqft
    2022-04-01 0 days 1,404 sqft
    2022-05-01 0 days 1,385 sqft
    2022-06-01 0 days 1,624 sqft
    2022-07-01 0 days 1,784 sqft
    2022-08-01 0 days 1,707 sqft
    2022-09-01 0 days 1,620 sqft
    2022-10-01 0 days 1,592 sqft
    2022-11-01 0 days 1,503 sqft
    2022-12-01 0 days 1,374 sqft
    2023-01-01 0 days 1,350 sqft
    2023-02-01 0 days 1,382 sqft
    Dixon's median listing age (time on market) for 2023-02-01 was 0 days.

    Dixon's median square footage for active listings during the 2023-02-01 period was 1,382 sqft. One year prior, the average listing was 1,455 sqft.

    Dixon, IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 284 $41,720,000 $146,901
    Refi 92 $12,630,000 $137,283
    Cash Out Refi 54 $6,840,000 $126,667
    Other 44 $3,000,000 $68,182
    Home Improvement 24 $1,480,000 $61,667

    Dixon's most frequently cited loan purpose was Home Purchase, with 284 originations. The 2nd most popular reason was Refi, with 92 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 116 $15,040,000 $129,655
    3-4% 79 $15,375,000 $194,620
    4-5% 77 $10,475,000 $136,039
    6-7% 60 $8,300,000 $138,333
    <2.5% 31 $2,235,000 $72,097
    2.5-3% 22 $2,130,000 $96,818
    7-8% 14 $980,000 $70,000
    Over 8% 4 $190,000 $47,500

    During 2022, Dixon's most frequently originated rate bucket was 5-6%, with 116 originations.

    Loan Sizing (Dixon, IL MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 232 $13,730,000 $59,181
    $100k-200k 182 $25,160,000 $138,242
    $200k-400k 76 $20,510,000 $269,868
    $400k-600k 5 $2,315,000 $463,000
    $600k-1000k 2 $1,360,000 $680,000
    $Over $1MM 1 $2,595,000 $2,595,000

    Dixon's loan sizing saw the bucket of loans from $100,000 or less with 232 originations, totaling $13,730,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 183 $28,375,000 $155,055
    60-80% 110 $18,320,000 $166,545
    20-40% 39 $2,375,000 $60,897
    Under 20% 35 $805,000 $23,000
    40-60% 32 $3,130,000 $97,813
    Over 100% 3 $1,385,000 $461,667

    Dixon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 183 originations, totaling $28,375,000 in origination value.