Freeport Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Freeport averaged 6.55% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.86% and one month ago for the week of 2025-02-27, the average rate was 6.87%.

    Freeport's average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.84%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Freeport 30 Year Fixed Rate 2025-04-03 6.55%
    Freeport 30 Year Fixed Rate Refi 2025-04-03 6.84%
    Freeport 15 Year Fixed Rate 2025-04-03 5.82%
    Freeport 15 Year Fixed Rate Refi 2025-04-03 5.82%
    Freeport 30 Year FHA 2025-04-03 6.06%
    Freeport 30 Year FHA Refi 2025-04-03 6.16%
    Freeport 30 Year USDA 2025-04-03 6.22%
    Freeport 30 Year USDA Refi 2025-04-03 6.52%
    Freeport 30 Year VA 2025-04-03 6.06%
    Freeport 30 Year VA Refi 2025-04-03 6.06%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Freeport, IL.

    Freeport 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 Freeport, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GREENSTATE CREDIT UNION 62 6.79% $3,167
    NORTHWEST BANK OF ROCKFORD 25 6.50% $3,668
    QUICKEN LOANS, LLC 14 6.75% $5,003
    GUILD MORTGAGE COMPANY 11 7.00% $5,172
    U.S. Bank 11 6.82% $3,701
    First Mid Bank & Trust 8 6.80% $3,461
    JPMorgan Chase Bank 6 6.83% $3,941
    COMPEER FINANCIAL, FLCA 4 7.69% $3,599
    The Bank of New Glarus 4 6.90% $2,587
    Fifth Third Bank 4 7.43% $2,576
    UNITED WHOLESALE MORTGAGE, LLC 4 6.67% $4,971
    ENVOY MORTGAGE, LTD 4 7.09% $3,953
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.22% $3,785
    First Federal Bank 3 7.13% $2,840
    ILLINOIS STATE CREDIT UNION 3 6.58% $2,261
    PLAZA HOME MORTGAGE, INC. 3 6.46% $4,888
    Barrington Bank & Trust Company, N.A. 3 6.87% $3,253
    Stillman Bank 3 6.42% $2,812
    DUPACO COMMUNITY 2 6.13% $4,196
    Associated Bank 2 6.75% $3,055
    BROKER SOLUTIONS, INC. 2 6.75% $6,940
    CROSSCOUNTRY MORTGAGE, LLC 2 7.38% $5,642
    First Community Credit Union 2 6.25% $1,858
    NEWREZ LLC 2 7.49% $5,644
    Plains Commerce Bank 2 5.69% $3,828
    The First National Bank and Trust Company 2 7.25% $3,410
    ZILLOW HOME LOANS, LLC 2 6.81% $5,428
    Fidelity Bank & Trust 1 5.95% $1,368
    AMERISAVE MORTGAGE CORPORATION 1 6.25% $4,999
    Johnson Bank 1 5.60% $3,012
    Discover Bank 1 7.81% $0
    LOANDEPOT.COM, LLC 1 6.99% $8,556
    Midland States Bank 1 6.88% $4,575
    Mortgage Research Center, LLC 1 5.99% $4,887
    Mr. Cooper ( Nationstar Mortgage ) 1 5.99% $4,266
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $9,371
    Bankers' Bank 1 6.00% $4,187
    DAS Acquisition Company, LLC 1 7.63% $3,818
    Petefish, Skiles & Co. 1 6.25% $3,354
    University of Wisconsin Credit Union 1 7.13% $3,214
    CoVantage Credit Union 1 6.75% $3,857
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.50% $4,003
    Prosperity Home Mortgage, LLC 1 7.25% $4,024
    Citibank 1 6.88% $3,492
    Rock Valley Credit Union 1 6.89% $2,942
    S1L, Inc. 1 6.63% $4,104
    SOUTHWEST FUNDING, LP 1 7.38% $3,918
    Stifel Bank and Trust 1 6.13% $2,011
    BMO Harris Bank 1 7.38% $6,899
    Summit Credit Union 1 6.88% $2,888
    BETTER MORTGAGE CORPORATION 1 8.13% $5,079
    Arvest Bank 1 6.88% $10,083
    The Huntington National Bank 1 6.75% $2,675
    TOWNE MORTGAGE COMPANY 1 6.88% $3,089
    FIRST STATE MORTGAGE SERVICES, LLC 1 6.63% $3,704
    Flanagan State Bank 1 7.13% $7,466
    FLAT BRANCH MORTGAGE, INC. 1 6.38% $3,075
    FIRST NORTHERN Credit Union 1 6.88% $2,579

    Freeport Average Closing Costs & Other Stats

    Freeport, IL's 58 lenders originated 565 loans during 2024. The total origination value was $70,065,000, with an average loan value of $124,009.

    Freeport's average closing costs are $3,778.

    The top Freeport lender as defined by loan originations is GREENSTATE CREDIT UNION, with 62 loans originated. Their average total fees are $3,167, which is $501 lower than the next largest lender, NORTHWEST BANK OF ROCKFORD.

    The lowest fee Freeport lenders (with over 10 loans originated) are GREENSTATE CREDIT UNION ($3,167), NORTHWEST BANK OF ROCKFORD ($3,668), U.S. Bank ($3,701), QUICKEN LOANS, LLC ($5,003) and GUILD MORTGAGE COMPANY ($5,172).

    The lowest rate Freeport lenders (with over 10 loans originated) are NORTHWEST BANK OF ROCKFORD (6.50%), QUICKEN LOANS, LLC (6.75%), GREENSTATE CREDIT UNION (6.79%), U.S. Bank (6.82%) and GUILD MORTGAGE COMPANY (7.00%).

    Freeport, 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
    GREENSTATE CREDIT UNION $8,720,000 $11,295,000 29.5% 16.1%
    QUICKEN LOANS, LLC $2,940,000 $4,720,000 60.5% 6.7%
    NORTHWEST BANK OF ROCKFORD $890,000 $3,890,000 337.1% 5.6%
    Union Savings Bank $2,630,000 $3,050,000 16.0% 4.4%
    U.S. Bank $2,790,000 $3,035,000 8.8% 4.3%
    Mortgage Research Center, LLC $2,615,000 $3,030,000 15.9% 4.3%
    GUILD MORTGAGE COMPANY $715,000 $2,755,000 285.3% 3.9%
    The Bank of New Glarus $1,445,000 $2,545,000 76.1% 3.6%
    Cornerstone Credit Union $1,390,000 $2,330,000 67.6% 3.3%
    Fifth Third Bank $600,000 $1,955,000 225.8% 2.8%
    Woodford State Bank $1,820,000 $1,715,000 -5.8% 2.4%
    First Mid Bank & Trust $75,000 $1,395,000 1,760.0% 2.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $620,000 $1,125,000 81.5% 1.6%
    CROSSCOUNTRY MORTGAGE, LLC $605,000 $1,075,000 77.7% 1.5%
    JPMorgan Chase Bank $670,000 $1,035,000 54.5% 1.5%
    Flanagan State Bank $175,000 $975,000 457.1% 1.4%
    Stillman Bank $930,000 n/a 1.3%
    Barrington Bank & Trust Company, N.A. $505,000 $925,000 83.2% 1.3%
    COMPEER FINANCIAL, FLCA $1,630,000 $865,000 -46.9% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $2,155,000 $855,000 -60.3% 1.2%
    LOANDEPOT.COM, LLC $465,000 $785,000 68.8% 1.1%
    PLAZA HOME MORTGAGE, INC. $1,385,000 $755,000 -45.5% 1.1%
    BROKER SOLUTIONS, INC. $235,000 $695,000 195.7% 1.0%
    Home State Bank $695,000 n/a 1.0%
    NEWREZ LLC $210,000 $685,000 226.2% 1.0%
    Byron Bank $525,000 $680,000 29.5% 1.0%
    Citibank $675,000 n/a 1.0%
    ENVOY MORTGAGE, LTD $530,000 $665,000 25.5% 0.9%
    Discover Bank $75,000 $625,000 733.3% 0.9%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $550,000 n/a 0.8%
    Arvest Bank $545,000 n/a 0.8%
    DUPACO COMMUNITY $70,000 $505,000 621.4% 0.7%
    The First National Bank and Trust Company $1,130,000 $465,000 -58.8% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $100,000 $450,000 350.0% 0.6%
    SUMMIT FUNDING, INC. $445,000 n/a 0.6%
    PENNYMAC LOAN SERVICES, LLC $205,000 $410,000 100.0% 0.6%
    FREEDOM MORTGAGE CORPORATION $200,000 $385,000 92.5% 0.5%
    Sauk Valley Bank & Trust Company $325,000 n/a 0.5%
    USAA Federal Savings Bank $440,000 $315,000 -28.4% 0.4%
    ROYAL UNITED MORTGAGE LLC $155,000 $305,000 96.8% 0.4%
    Carrington Mortgage Services, LLC $270,000 $300,000 11.1% 0.4%
    ZILLOW HOME LOANS, LLC $460,000 $300,000 -34.8% 0.4%
    HOMESIDE FINANCIAL, LLC $330,000 $285,000 -13.6% 0.4%
    Johnson Bank $285,000 n/a 0.4%
    University of Wisconsin Credit Union $165,000 $275,000 66.7% 0.4%
    First Community Credit Union $780,000 $260,000 -66.7% 0.4%
    First Federal Bank $255,000 n/a 0.4%
    NAVY FEDERAL CREDIT UNION $385,000 $255,000 -33.8% 0.4%
    Plains Commerce Bank $85,000 $250,000 194.1% 0.4%
    First State Bank $245,000 n/a 0.3%
    Prosperity Home Mortgage, LLC $245,000 n/a 0.3%
    Associated Bank $295,000 $240,000 -18.6% 0.3%
    ILLINOIS STATE CREDIT UNION $360,000 $225,000 -37.5% 0.3%
    Sierra Pacific Mortgage Company, Inc. $215,000 n/a 0.3%
    TOWNE MORTGAGE COMPANY $215,000 n/a 0.3%
    S1L, Inc. $195,000 n/a 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $185,000 n/a 0.3%
    LAKEVIEW LOAN SERVICING, LLC $165,000 n/a 0.2%
    BMO Harris Bank $540,000 $160,000 -70.4% 0.2%
    CoVantage Credit Union $155,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $475,000 $155,000 -67.4% 0.2%
    Rock Valley Credit Union $155,000 n/a 0.2%
    TBK BANK, SSB $155,000 n/a 0.2%
    FIRST NORTHERN Credit Union $185,000 $150,000 -18.9% 0.2%
    Citizens Bank $140,000 n/a 0.2%
    FLAT BRANCH MORTGAGE, INC. $140,000 n/a 0.2%
    Coastal Community Bank $90,000 $135,000 50.0% 0.2%
    Fidelity Bank & Trust $135,000 n/a 0.2%
    Princeton Mortgage Corporation $135,000 n/a 0.2%
    The Harvard State Bank $135,000 n/a 0.2%
    CONSUMERS COOPERATIVE CREDIT UNION $130,000 n/a 0.2%
    Blackhawk Community Credit Union $125,000 n/a 0.2%
    Deere Employees Credit Union $145,000 $125,000 -13.8% 0.2%
    HOMEXPRESS MORTGAGE CORP. $125,000 n/a 0.2%
    Stifel Bank and Trust $125,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $115,000 n/a 0.2%
    NEW DAY FINANCIAL, LLC $115,000 n/a 0.2%
    FIRST STATE MORTGAGE SERVICES, LLC $105,000 n/a 0.1%
    Warren-Boynton State Bank $105,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $270,000 $100,000 -63.0% 0.1%
    Holcomb Bank $95,000 $95,000 0.0% 0.1%
    Summit Credit Union $740,000 $95,000 -87.2% 0.1%
    DAS Acquisition Company, LLC $135,000 $85,000 -37.0% 0.1%
    Petefish, Skiles & Co. $85,000 n/a 0.1%
    Servion, Inc. $85,000 n/a 0.1%
    SOUTHWEST FUNDING, LP $85,000 n/a 0.1%
    Secured Investment Corp. $75,000 n/a 0.1%
    Wells Fargo Bank $655,000 $75,000 -88.5% 0.1%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $70,000 n/a 0.1%
    Midland States Bank $345,000 $70,000 -79.7% 0.1%
    Bankers' Bank $105,000 $65,000 -38.1% 0.1%
    DuPage Credit Union $65,000 n/a 0.1%
    The Huntington National Bank $65,000 n/a 0.1%
    PNC Bank $495,000 $55,000 -88.9% 0.1%
    QUORUM FEDERAL CREDIT UNION $55,000 n/a 0.1%
    The Loan Store, Inc. $55,000 n/a 0.1%
    CITIZENS EQUITY FIRST $45,000 n/a 0.1%
    First American Bank $25,000 $45,000 80.0% 0.1%
    21ST MORTGAGE CORPORATION $35,000 $25,000 -28.6% 0.0%
    Figure Lending LLC $15,000 n/a 0.0%

    Freeport's top lender by overall market share is GREENSTATE CREDIT UNION, with 16.1% market share. In second place, with 6.7%, is QUICKEN LOANS, LLC, having originated $4,720,000 in loans. In third place, with 5.6%, is NORTHWEST BANK OF ROCKFORD, having originated $3,890,000 in loans. In fourth place, with 4.4%, is Union Savings Bank, having originated $3,050,000 in loans. In fifth place, with 4.3%, is U.S. Bank, having originated $3,035,000 in loans.

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

    Realtor.com - Freeport (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 $79,950 (-5.8%) $99,850 (-10.1%) 0.00 209
    2018-02-01 $81,200 (-4.4%) $102,479 (-10.3%) 0.00 207
    2018-03-01 $87,150 (-3.1%) $108,560 (-12.7%) 0.00 203
    2018-04-01 $89,950 (-3.2%) $115,711 (-13.1%) 0.00 219
    2018-05-01 $91,375 (-8.1%) $120,513 (-12.2%) 0.00 234
    2018-06-01 $91,000 (-6.3%) $127,794 (-1.8%) 0.00 229
    2018-07-01 $91,950 (2.3%) $129,269 (0.0%) 0.00 224
    2018-08-01 $84,975 (-5.5%) $125,905 (-2.1%) 0.00 219
    2018-09-01 $85,900 (-4.5%) $124,022 (-2.0%) 0.00 206
    2018-10-01 $89,900 (1.9%) $131,047 (11.8%) 0.00 188
    2018-11-01 $89,900 (5.9%) $135,685 (18.3%) 0.00 183
    2018-12-01 $89,900 (7.1%) $123,162 (14.8%) 0.00 175
    2019-01-01 $89,700 (12.2%) $122,297 (22.5%) 0.00 172
    2019-02-01 $93,900 (15.6%) $124,206 (21.2%) 0.00 170
    2019-03-01 $96,671 (10.9%) $127,232 (17.2%) 0.00 173
    2019-04-01 $99,400 (10.5%) $131,998 (14.1%) 0.00 177
    2019-05-01 $99,900 (9.3%) $138,259 (14.7%) 0.00 180
    2019-06-01 $104,500 (14.8%) $142,608 (11.6%) 0.00 183
    2019-07-01 $107,400 (16.8%) $142,015 (9.9%) 0.00 208
    2019-08-01 $111,109 (30.8%) $141,660 (12.5%) 0.00 213
    2019-09-01 $106,210 (23.6%) $139,176 (12.2%) 0.00 216
    2019-10-01 $102,400 (13.9%) $135,334 (3.3%) 0.00 217
    2019-11-01 $99,900 (11.1%) $128,056 (-5.6%) 0.00 212
    2019-12-01 $90,000 (0.1%) $123,317 (0.1%) 0.00 196
    2020-01-01 $90,450 (0.8%) $126,109 (3.1%) 0.00 175
    2020-02-01 $89,900 (-4.3%) $128,784 (3.7%) 0.00 166
    2020-03-01 $94,400 (-2.4%) $131,679 (3.5%) 0.00 153
    2020-04-01 $107,400 (8.1%) $139,435 (5.6%) 0.00 155
    2020-05-01 $119,900 (20.0%) $162,716 (17.7%) 0.00 132
    2020-06-01 $117,400 (12.3%) $159,194 (11.6%) 0.00 129
    2020-07-01 $115,925 (7.9%) $165,504 (16.5%) 0.00 126
    2020-08-01 $109,900 (-1.1%) $160,518 (13.3%) 0.00 110
    2020-09-01 $101,750 (-4.2%) $149,410 (7.4%) 0.00 106
    2020-10-01 $107,900 (5.4%) $164,525 (21.6%) 0.00 100
    2020-11-01 $101,750 (1.9%) $157,592 (23.1%) 0.00 97
    2020-12-01 $101,400 (12.7%) $158,959 (28.9%) 0.00 99
    2021-01-01 $87,500 (-3.3%) $155,110 (23.0%) 0.00 93
    2021-02-01 $83,600 (-7.0%) $159,942 (24.2%) 0.00 81
    2021-03-01 $82,625 (-12.5%) $156,828 (19.1%) 0.00 71
    2021-04-01 $108,308 (0.9%) $166,932 (19.7%) 0.00 56
    2021-05-01 $129,900 (8.3%) $184,733 (13.5%) 0.00 50
    2021-06-01 $108,000 (-8.0%) $159,543 (0.2%) 0.00 49
    2021-07-01 $90,000 (-22.4%) $155,608 (-6.0%) 0.00 88
    2021-08-01 $125,000 (13.7%) $168,055 (4.7%) 0.00 98
    2021-09-01 $138,175 (35.8%) $189,221 (26.7%) 0.00 109
    2021-10-01 $144,900 (34.3%) $191,381 (16.3%) 0.00 125
    2021-11-01 $126,225 (24.1%) $175,239 (11.2%) 0.00 135
    2021-12-01 $128,450 (26.7%) $179,464 (12.9%) 0.00 117
    2022-01-01 $99,900 (14.2%) $144,579 (-6.8%) 0.00 103
    2022-02-01 $106,225 (27.1%) $146,648 (-8.3%) 0.00 87
    2022-03-01 $118,400 (43.3%) $161,352 (2.9%) 0.00 68
    2022-04-01 $131,400 (21.3%) $171,033 (2.5%) 0.00 70
    2022-05-01 $148,750 (14.5%) $197,889 (7.1%) 0.00 72
    2022-06-01 $159,900 (48.1%) $204,148 (28.0%) 0.00 69
    2022-07-01 $129,450 (43.8%) $187,982 (20.8%) 0.00 76
    2022-08-01 $152,725 (22.2%) $202,476 (20.5%) 0.00 82
    2022-09-01 $129,950 (-6.0%) $189,447 (0.1%) 0.00 83
    2022-10-01 $113,000 (-22.0%) $166,765 (-12.9%) 0.00 91
    2022-11-01 $128,900 (2.1%) $163,789 (-6.5%) 0.00 98
    2022-12-01 $128,400 (0.0%) $156,207 (-13.0%) 0.00 95
    2023-01-01 $114,225 (14.3%) $142,878 (-1.2%) 0.00 80
    2023-02-01 $77,225 (-27.3%) $129,505 (-11.7%) 0.00 95
    2023-03-01 $75,000 (-36.7%) $124,148 (-23.1%) 0.00 91
    2023-04-01 $75,000 (-42.9%) $136,004 (-20.5%) 0.00 87
    2023-05-01 $95,225 (-36.0%) $175,800 (-11.2%) 0.00 57
    2023-06-01 $130,650 (-18.3%) $180,076 (-11.8%) 0.00 65
    2023-07-01 $127,450 (-1.5%) $185,821 (-1.2%) 0.00 72
    2023-08-01 $110,675 (-27.5%) $173,591 (-14.3%) 0.00 84
    2023-09-01 $119,950 (-7.7%) $178,343 (-5.9%) 0.00 86
    2023-10-01 $144,900 (28.2%) $192,100 (15.2%) 0.00 90
    2023-11-01 $134,950 (4.7%) $187,246 (14.3%) 0.00 97
    2023-12-01 $125,000 (-2.7%) $174,691 (11.8%) 0.00 99
    2024-01-01 $126,600 (10.8%) $183,249 (28.3%) 0.00 92
    2024-02-01 $128,650 (66.6%) $184,826 (42.7%) 0.00 84
    2024-03-01 $149,950 (99.9%) $201,480 (62.3%) 0.00 82
    2024-04-01 $158,675 (111.6%) $209,529 (54.1%) 0.00 66
    2024-05-01 $146,175 (53.5%) $213,745 (21.6%) 0.00 62
    2024-06-01 $144,900 (10.9%) $215,224 (19.5%) 0.00 87
    2024-07-01 $132,500 (4.0%) $200,102 (7.7%) 0.00 97
    2024-08-01 $142,500 (28.8%) $199,517 (14.9%) 0.00 114
    2024-09-01 $149,175 (24.4%) $199,801 (12.0%) 0.00 114
    2024-10-01 $154,125 (6.4%) $201,003 (4.6%) 0.00 120
    2024-11-01 $148,450 (10.0%) $201,123 (7.4%) 0.00 108
    2024-12-01 $138,475 (10.8%) $191,294 (9.5%) 0.00 94
    2025-01-01 $139,725 (10.4%) $195,692 (6.8%) 0.00 93
    2025-02-01 $171,875 (33.6%) $220,182 (19.1%) 0.00 81
    2025-03-01 $204,900 (36.7%) $240,540 (19.4%) 0.00 79
    Freeport's median listing price for 2025-03-01 was $204,900, a difference of $54,950 (36.7%) versus the prior year and $33,025 versus the prior month.

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

    Freeport's average listing price for 2025-03-01 was $240,540, a difference of $39,060 (19.4%) versus the prior year and $20,358 versus the prior month.

    For the 2025-03-01 period, Freeport had 79 MLS listings, a difference of -2 listings (-2%) versus the prior month and -3 listings (-4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Freeport (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,559 sqft
    2018-02-01 0 days 1,554 sqft
    2018-03-01 0 days 1,584 sqft
    2018-04-01 0 days 1,588 sqft
    2018-05-01 0 days 1,595 sqft
    2018-06-01 0 days 1,650 sqft
    2018-07-01 0 days 1,655 sqft
    2018-08-01 0 days 1,626 sqft
    2018-09-01 0 days 1,625 sqft
    2018-10-01 0 days 1,665 sqft
    2018-11-01 0 days 1,689 sqft
    2018-12-01 0 days 1,644 sqft
    2019-01-01 0 days 1,628 sqft
    2019-02-01 0 days 1,662 sqft
    2019-03-01 0 days 1,653 sqft
    2019-04-01 0 days 1,644 sqft
    2019-05-01 0 days 1,573 sqft
    2019-06-01 0 days 1,664 sqft
    2019-07-01 0 days 1,765 sqft
    2019-08-01 0 days 1,784 sqft
    2019-09-01 0 days 1,761 sqft
    2019-10-01 0 days 1,754 sqft
    2019-11-01 0 days 1,758 sqft
    2019-12-01 0 days 1,678 sqft
    2020-01-01 0 days 1,697 sqft
    2020-02-01 0 days 1,673 sqft
    2020-03-01 0 days 1,732 sqft
    2020-04-01 0 days 1,815 sqft
    2020-05-01 0 days 1,827 sqft
    2020-06-01 0 days 1,791 sqft
    2020-07-01 0 days 1,693 sqft
    2020-08-01 0 days 1,597 sqft
    2020-09-01 0 days 1,612 sqft
    2020-10-01 0 days 1,640 sqft
    2020-11-01 0 days 1,633 sqft
    2020-12-01 0 days 1,650 sqft
    2021-01-01 0 days 1,628 sqft
    2021-02-01 0 days 1,598 sqft
    2021-03-01 0 days 1,581 sqft
    2021-04-01 0 days 1,674 sqft
    2021-05-01 0 days 1,743 sqft
    2021-06-01 0 days 1,533 sqft
    2021-07-01 0 days 1,680 sqft
    2021-08-01 0 days 1,748 sqft
    2021-09-01 0 days 1,877 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,788 sqft
    2021-12-01 0 days 1,812 sqft
    2022-01-01 0 days 1,608 sqft
    2022-02-01 0 days 1,650 sqft
    2022-03-01 0 days 1,782 sqft
    2022-04-01 0 days 1,783 sqft
    2022-05-01 0 days 1,823 sqft
    2022-06-01 0 days 1,846 sqft
    2022-07-01 0 days 1,770 sqft
    2022-08-01 0 days 1,953 sqft
    2022-09-01 0 days 1,816 sqft
    2022-10-01 0 days 1,800 sqft
    2022-11-01 0 days 1,667 sqft
    2022-12-01 0 days 1,684 sqft
    2023-01-01 0 days 1,593 sqft
    2023-02-01 0 days 1,516 sqft
    2023-03-01 0 days 1,445 sqft
    2023-04-01 0 days 1,456 sqft
    2023-05-01 0 days 1,559 sqft
    2023-06-01 0 days 1,645 sqft
    2023-07-01 0 days 1,613 sqft
    2023-08-01 0 days 1,620 sqft
    2023-09-01 0 days 1,704 sqft
    2023-10-01 0 days 1,706 sqft
    2023-11-01 0 days 1,680 sqft
    2023-12-01 0 days 1,734 sqft
    2024-01-01 0 days 1,672 sqft
    2024-02-01 0 days 1,675 sqft
    2024-03-01 0 days 1,664 sqft
    2024-04-01 0 days 1,683 sqft
    2024-05-01 0 days 1,730 sqft
    2024-06-01 0 days 1,827 sqft
    2024-07-01 0 days 1,777 sqft
    2024-08-01 0 days 1,780 sqft
    2024-09-01 0 days 1,794 sqft
    2024-10-01 0 days 1,777 sqft
    2024-11-01 0 days 1,792 sqft
    2024-12-01 0 days 1,678 sqft
    2025-01-01 0 days 1,630 sqft
    2025-02-01 0 days 1,647 sqft
    2025-03-01 0 days 1,920 sqft
    Freeport's median listing age (time on market) for 2025-03-01 was 0 days.

    Freeport's median square footage for active listings during the 2025-03-01 period was 1,920 sqft. One year prior, the average listing was 1,664 sqft.

    Freeport, IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 378 $52,460,000 $138,783
    Cash Out Refi 64 $7,400,000 $115,625
    Refi 44 $5,650,000 $128,409
    Other 43 $2,755,000 $64,070
    Home Improvement 36 $1,800,000 $50,000

    Freeport's most frequently cited loan purpose was Home Purchase, with 378 originations. The 2nd most popular reason was Cash Out Refi, with 64 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 216 $31,010,000 $143,565
    7-8% 119 $17,805,000 $149,622
    Over 8% 70 $4,370,000 $62,429
    5-6% 54 $7,880,000 $145,926
    <2.5% 15 $135,000 $9,000
    4-5% 1 $155,000 $155,000

    During 2024, Freeport's most frequently originated rate bucket was 6-7%, with 216 originations.

    Loan Sizing (Freeport, IL MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 277 $16,165,000 $58,357
    $100k-200k 200 $27,880,000 $139,400
    $200k-400k 76 $19,380,000 $255,000
    $400k-600k 8 $3,850,000 $481,250
    $600k-1000k 4 $2,790,000 $697,500

    Freeport's loan sizing saw the bucket of loans from $100,000 or less with 277 originations, totaling $16,165,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 237 $37,195,000 $156,941
    60-80% 100 $14,960,000 $149,600
    20-40% 54 $3,670,000 $67,963
    Under 20% 44 $990,000 $22,500
    40-60% 35 $3,325,000 $95,000
    Over 100% 2 $320,000 $160,000

    Freeport's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 237 originations, totaling $37,195,000 in origination value.