Taylorville Mortgage Rates

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

30 Year Fixed Rate mortgages in Taylorville averaged 5.66% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.07% and one month ago for the week of 2022-05-26, the average rate was 5.36%.

Taylorville's average rate one year ago was 3.16%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.39%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Taylorville 30 Year Fixed Rate 2022-06-30 5.66%
Taylorville 30 Year Fixed Rate Refi 2022-06-30 5.39%
Taylorville 15 Year Fixed Rate 2022-06-30 5.36%
Taylorville 15 Year Fixed Rate Refi 2022-06-30 4.85%
Taylorville 30 Year FHA 2022-06-30 5.48%
Taylorville 30 Year FHA Refi 2022-06-30 5.59%
Taylorville 30 Year USDA 2022-06-30 5.78%
Taylorville 30 Year USDA Refi 2022-06-30 5.32%
Taylorville 30 Year VA 2022-06-30 5.64%
Taylorville 30 Year VA Refi 2022-06-30 5.83%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Taylorville, IL.

Taylorville Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Taylorville, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
CNB Bank And Trust, N.A. 18 3.08% $2,779
Town & Country Banc Mortgage Services, Inc. 18 3.10% $1,755
QUICKEN LOANS, LLC 16 3.15% $4,453
U.S. Bank 11 3.31% $2,281
United Community Bank 8 3.09% $1,456
Regions Bank 8 3.30% $2,236
Bank of Springfield 8 2.89% $1,658
INB 8 3.27% $1,827
Marine Bank 7 2.71% $1,541
CITIZENS EQUITY FIRST 7 3.54% $1,114
FLAT BRANCH MORTGAGE, INC. 5 3.25% $2,984
GERSHMAN INVESTMENT CORP. 4 3.94% $2,063
Prairie State Bank and Trust 4 2.69% $1,324
HEARTLAND 4 2.88% $2,013
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 4 3.47% $2,605
1ST MIDAMERICA 3 2.96% $2,538
First Mid Bank & Trust 3 3.29% $2,056
HOME POINT FINANCIAL CORPORATION 3 3.00% $3,597
LOANDEPOT.COM, LLC 3 2.92% $3,720
Hickory Point Bank and Trust 2 3.31% $1,807
PNC Bank 2 3.63% $1,120
Wells Fargo Bank 2 3.81% $2,750
Barrington Bank & Trust Company, N.A. 2 3.56% $3,509
Bank of Hillsboro 2 3.63% $1,601
CALIBER HOME LOANS, INC. 2 2.87% $3,272
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.06% $2,920
INLAND BANK & TRUST 1 2.75% $2,954
JPMorgan Chase Bank 1 3.38% $3,498
LEADERONE FINANCIAL CORPORATION 1 3.37% $2,615
MEMBER FIRST MORTGAGE, LLC 1 3.25% $2,389
Fortress Bank 1 2.38% $1,867
Morton Community Bank 1 3.13% $1,919
Petefish, Skiles & Co. 1 3.50% $4,082
BETTER MORTGAGE CORPORATION 1 3.38% $3,031
ROYAL UNITED MORTGAGE LLC 1 4.25% $3,703
SECURITYNATIONAL MORTGAGE COMPANY 1 3.88% $6,623
The Huntington National Bank 1 3.00% $1,733
AMERISAVE MORTGAGE CORPORATION 1 2.88% $5,284
AMERICAN FINANCING CORPORATION 1 2.88% $2,781
Farm Credit Mid-America, ACA 1 3.70% $4,388
UNITED WHOLESALE MORTGAGE, LLC 1 3.00% $2,648
Midland States Bank 1 2.88% $2,130
FREEDOM MORTGAGE CORPORATION 1 2.88% $3,522
EVANSVILLE TEACHERS 1 2.75% $2,186
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,344
Alliance Community Bank 1 3.13% $1,833
ILLINOIS STATE CREDIT UNION 1 2.88% $1,839
Chicago Mortgage Solutions LLC 1 2.87% $763

Taylorville, IL's 48 lenders originated 646 loans during 2021. The total origination value was $75,250,000, with an average loan value of $116,486.

The top Taylorville lender as defined by loan originations is CNB Bank And Trust, N.A., with 18 loans originated. Their average total fees are $2,779, which is $1,024 higher than the next largest lender, Town & Country Banc Mortgage Services, Inc..

The lowest fee Taylorville lenders (with over 10 loans originated) are Town & Country Banc Mortgage Services, Inc. ($1,755), U.S. Bank ($2,281), CNB Bank And Trust, N.A. ($2,779), QUICKEN LOANS, LLC ($4,453) and .

The lowest rate Taylorville lenders (with over 10 loans originated) are CNB Bank And Trust, N.A. (3.08%), Town & Country Banc Mortgage Services, Inc. (3.10%), QUICKEN LOANS, LLC (3.15%), U.S. Bank (3.31%) and .

Taylorville, IL Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
CNB Bank And Trust, N.A. $13,135,000 $7,530,000 -42.7% 10.0%
QUICKEN LOANS, LLC $4,450,000 $6,180,000 38.9% 8.2%
Town & Country Banc Mortgage Services, Inc. $6,555,000 $5,175,000 -21.1% 6.9%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $4,120,000 $4,480,000 8.7% 6.0%
U.S. Bank $2,950,000 $4,185,000 41.9% 5.6%
Bank of Springfield $3,350,000 $3,385,000 1.0% 4.5%
Regions Bank $3,575,000 $2,920,000 -18.3% 3.9%
United Community Bank $5,075,000 $2,555,000 -49.7% 3.4%
FLAT BRANCH MORTGAGE, INC. $870,000 $2,245,000 158.0% 3.0%
Mortgage Research Center, LLC $1,395,000 $2,185,000 56.6% 2.9%
GERSHMAN INVESTMENT CORP. $2,865,000 $2,010,000 -29.8% 2.7%
Marine Bank $1,410,000 $1,640,000 16.3% 2.2%
INB $1,485,000 $1,600,000 7.7% 2.1%
FREEDOM MORTGAGE CORPORATION $1,525,000 $1,300,000 -14.8% 1.7%
CITIZENS EQUITY FIRST $1,080,000 $1,130,000 4.6% 1.5%
PENNYMAC LOAN SERVICES, LLC $190,000 $1,130,000 494.7% 1.5%
HOME POINT FINANCIAL CORPORATION $910,000 $1,120,000 23.1% 1.5%
CALIBER HOME LOANS, INC. $390,000 $1,115,000 185.9% 1.5%
The First National Bank in Carlyle $1,035,000 n/a 1.4%
Bank & Trust Company $1,795,000 $1,005,000 -44.0% 1.3%
Security Bank, s.b. $275,000 $955,000 247.3% 1.3%
LOANDEPOT.COM, LLC $315,000 $940,000 198.4% 1.2%
Bank of Hillsboro $1,755,000 $935,000 -46.7% 1.2%
TOP FLITE FINANCIAL, INC. $1,660,000 $930,000 -44.0% 1.2%
Prairie State Bank and Trust $1,525,000 $835,000 -45.2% 1.1%
Wells Fargo Bank $240,000 $765,000 218.8% 1.0%
LEADERONE FINANCIAL CORPORATION $275,000 $690,000 150.9% 0.9%
HEARTLAND $920,000 $685,000 -25.5% 0.9%
First Mid Bank & Trust $445,000 $670,000 50.6% 0.9%
Petefish, Skiles & Co. $600,000 n/a 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $585,000 n/a 0.8%
Farm Credit Mid-America, ACA $300,000 $535,000 78.3% 0.7%
USAA Federal Savings Bank $220,000 $520,000 136.4% 0.7%
PNC Bank $1,145,000 $510,000 -55.5% 0.7%
VILLAGE CAPITAL & INVESTMENT LLC $55,000 $510,000 827.3% 0.7%
UNITED WHOLESALE MORTGAGE, LLC $415,000 $455,000 9.6% 0.6%
DECATUR EARTHMOVER CREDIT UNION $135,000 $430,000 218.5% 0.6%
Hickory Point Bank and Trust $600,000 $405,000 -32.5% 0.5%
AMERISAVE MORTGAGE CORPORATION $350,000 $390,000 11.4% 0.5%
Heartland Bank and Trust Company $390,000 n/a 0.5%
1ST MIDAMERICA $385,000 n/a 0.5%
NEWREZ LLC $545,000 $355,000 -34.9% 0.5%
JPMorgan Chase Bank $350,000 n/a 0.5%
NEW DAY FINANCIAL, LLC $410,000 $350,000 -14.6% 0.5%
Meridian Bank Corporation $345,000 n/a 0.5%
The Federal Savings Bank $360,000 $320,000 -11.1% 0.4%
Alliance Community Bank $160,000 $315,000 96.9% 0.4%
AMERICAN FINANCING CORPORATION $155,000 $310,000 100.0% 0.4%
SECURITYNATIONAL MORTGAGE COMPANY $470,000 $245,000 -47.9% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $245,000 n/a 0.3%
DRAPER AND KRAMER MORTGAGE CORP. $480,000 $240,000 -50.0% 0.3%
Morton Community Bank $235,000 n/a 0.3%
Carrington Mortgage Services, LLC $310,000 $220,000 -29.0% 0.3%
CMG MORTGAGE, INC. $845,000 $220,000 -74.0% 0.3%
Buena Vista National Bank $210,000 n/a 0.3%
Dieterich Bank $195,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $185,000 n/a 0.2%
Chicago Mortgage Solutions LLC $175,000 n/a 0.2%
Warren-Boynton State Bank $170,000 n/a 0.2%
Mr. Cooper ( Nationstar Mortgage ) $300,000 $160,000 -46.7% 0.2%
FCB Banks $35,000 $155,000 342.9% 0.2%
PLANET HOME LENDING, LLC $155,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $165,000 $140,000 -15.2% 0.2%
ROYAL UNITED MORTGAGE LLC $140,000 $140,000 0.0% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $135,000 n/a 0.2%
Midland States Bank $135,000 n/a 0.2%
Neighborhood Loans, Inc. $135,000 n/a 0.2%
Carrollton Bank $640,000 $130,000 -79.7% 0.2%
FIRST CENTENNIAL MORTGAGE CORPORATION $125,000 n/a 0.2%
First Home Bank $65,000 $115,000 76.9% 0.2%
GUARANTEED RATE, INC. $115,000 n/a 0.2%
Bank of O'Fallon $105,000 n/a 0.1%
Credit Union 1 $155,000 $105,000 -32.3% 0.1%
INLAND BANK & TRUST $435,000 $105,000 -75.9% 0.1%
The FNB Community Bank $105,000 n/a 0.1%
The Huntington National Bank $505,000 $105,000 -79.2% 0.1%
AmeriHome Mortgage Company, LLC $270,000 $95,000 -64.8% 0.1%
BETTER MORTGAGE CORPORATION $95,000 n/a 0.1%
BROKER SOLUTIONS, INC. $95,000 n/a 0.1%
First State Bank $75,000 $85,000 13.3% 0.1%
ILLINOIS STATE CREDIT UNION $65,000 $85,000 30.8% 0.1%
MEMBER FIRST MORTGAGE, LLC $85,000 n/a 0.1%
Amerifirst Financial, Inc. $75,000 n/a 0.1%
First Guaranty Mortgage Corporation $455,000 $75,000 -83.5% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $95,000 $75,000 -21.1% 0.1%
Peoples Bank $75,000 n/a 0.1%
Bank of America $65,000 n/a 0.1%
Fortress Bank $65,000 n/a 0.1%
STEARNS LENDING, LLC $140,000 $65,000 -53.6% 0.1%
EVANSVILLE TEACHERS $55,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $55,000 n/a 0.1%
West Central Bank $455,000 $55,000 -87.9% 0.1%
CELEBRITY HOME LOANS, LLC $290,000 $45,000 -84.5% 0.1%
Figure Lending LLC $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
SPRING EQ, LLC $25,000 n/a 0.0%
Town and Country Bank $35,000 $25,000 -28.6% 0.0%

Taylorville's top lender by overall market share is CNB Bank And Trust, N.A., with 10.0% market share. In second place, with 8.2%, is QUICKEN LOANS, LLC, having originated $6,180,000 in loans. In third place, with 6.9%, is Town & Country Banc Mortgage Services, Inc., having originated $5,175,000 in loans. In third place, with 6.0%, is DIAMOND RESIDENTIAL MORTGAGE CORPORATION, having originated $4,480,000 in loans. In third place, with 5.6%, is U.S. Bank, having originated $4,185,000 in loans.


Taylorville, IL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 323 $38,235,000 $118,375
Refi 189 $22,805,000 $120,661
Cash Out Refi 103 $12,405,000 $120,437
Home Improvement 16 $870,000 $54,375
Other 15 $935,000 $62,333

Taylorville's most frequently cited loan purpose was Home Purchase, with 323 originations. The 2nd most popular reason was Refi, with 189 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 256 $27,700,000 $108,203
2.5-3% 203 $25,485,000 $125,542
<2.5% 120 $14,850,000 $123,750
4-5% 30 $2,790,000 $93,000
5-6% 7 $205,000 $29,286
6-7% 3 $335,000 $111,667
7-8% 2 $50,000 $25,000

During 2021, Taylorville's most frequently originated rate bucket was 3-4%, with 256 originations.

Loan Sizing (Taylorville, IL MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 331 $22,115,000 $66,813
$100k-200k 245 $34,235,000 $139,735
$200k-400k 69 $17,865,000 $258,913
$Over $1MM 1 $1,035,000 $1,035,000

Taylorville's loan sizing saw the bucket of loans from $100,000 or less with 331 originations, totaling $22,115,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 336 $39,760,000 $118,333
60-80% 176 $21,810,000 $123,920
40-60% 61 $5,815,000 $95,328
20-40% 16 $970,000 $60,625
Under 20% 11 $185,000 $16,818
Over 100% 2 $450,000 $225,000

Taylorville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 336 originations, totaling $39,760,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Taylorville (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 $87,950 (11.0%) $108,735 (6.8%) 0.00 138
2018-02-01 $87,500 (16.7%) $107,136 (8.2%) 0.00 147
2018-03-01 $87,500 (11.9%) $109,701 (12.2%) 0.00 146
2018-04-01 $92,400 (15.6%) $113,693 (6.5%) 0.00 143
2018-05-01 $94,900 (18.8%) $114,013 (3.5%) 0.00 154
2018-06-01 $95,000 (18.9%) $118,484 (4.8%) 0.00 158
2018-07-01 $92,950 (16.3%) $117,582 (3.3%) 0.00 167
2018-08-01 $89,900 (5.2%) $114,053 (-1.3%) 0.00 176
2018-09-01 $89,900 (5.8%) $113,058 (-0.3%) 0.00 185
2018-10-01 $89,700 (4.4%) $108,216 (-1.2%) 0.00 188
2018-11-01 $89,200 (3.4%) $104,383 (-2.7%) 0.00 179
2018-12-01 $83,000 (-2.4%) $100,381 (-4.7%) 0.00 156
2019-01-01 $79,900 (-9.2%) $97,654 (-10.2%) 0.00 159
2019-02-01 $79,900 (-8.7%) $97,124 (-9.4%) 0.00 156
2019-03-01 $79,329 (-9.3%) $99,298 (-9.5%) 0.00 145
2019-04-01 $79,829 (-13.6%) $103,689 (-8.8%) 0.00 136
2019-05-01 $78,000 (-17.8%) $99,481 (-12.8%) 0.00 144
2019-06-01 $84,900 (-10.6%) $111,276 (-6.1%) 0.00 158
2019-07-01 $79,900 (-14.0%) $108,600 (-7.6%) 0.00 141
2019-08-01 $83,529 (-7.1%) $114,299 (0.2%) 0.00 143
2019-09-01 $84,729 (-5.8%) $114,704 (1.5%) 0.00 140
2019-10-01 $82,250 (-8.3%) $113,521 (4.9%) 0.00 144
2019-11-01 $82,500 (-7.5%) $115,497 (10.7%) 0.00 139
2019-12-01 $80,000 (-3.6%) $115,615 (15.2%) 0.00 123
2020-01-01 $79,900 (0.0%) $112,437 (15.1%) 0.00 122
2020-02-01 $79,900 (0.0%) $113,038 (16.4%) 0.00 124
2020-03-01 $79,900 (0.7%) $110,752 (11.5%) 0.00 115
2020-04-01 $79,900 (0.1%) $114,641 (10.6%) 0.00 103
2020-05-01 $79,900 (2.4%) $114,549 (15.2%) 0.00 102
2020-06-01 $79,900 (-5.9%) $106,647 (-4.2%) 0.00 112
2020-07-01 $79,900 (0.0%) $107,692 (-0.8%) 0.00 111
2020-08-01 $79,900 (-4.3%) $112,945 (-1.2%) 0.00 107
2020-09-01 $84,900 (0.2%) $117,041 (2.0%) 0.00 106
2020-10-01 $84,900 (3.2%) $113,326 (-0.2%) 0.00 114
2020-11-01 $79,900 (-3.2%) $114,505 (-0.9%) 0.00 99
2020-12-01 $83,700 (4.6%) $123,587 (6.9%) 0.00 90
2021-01-01 $79,900 (0.0%) $115,901 (3.1%) 0.00 79
2021-02-01 $76,400 (-4.4%) $112,425 (-0.5%) 0.00 66
2021-03-01 $78,900 (-1.3%) $117,116 (5.8%) 0.00 58
2021-04-01 $78,700 (-1.5%) $119,605 (4.3%) 0.00 48
2021-05-01 $82,500 (3.3%) $127,574 (11.4%) 0.00 55
2021-06-01 $88,700 (11.0%) $134,312 (25.9%) 0.00 51
2021-07-01 $82,500 (3.3%) $125,862 (16.9%) 0.00 56
2021-08-01 $82,200 (2.9%) $112,703 (-0.2%) 0.00 59
2021-09-01 $77,400 (-8.8%) $102,891 (-12.1%) 0.00 65
2021-10-01 $73,500 (-13.4%) $91,138 (-19.6%) 0.00 66
2021-11-01 $74,200 (-7.1%) $89,963 (-21.4%) 0.00 61
2021-12-01 $74,900 (-10.5%) $95,612 (-22.6%) 0.00 55
2022-01-01 $74,900 (-6.3%) $97,924 (-15.5%) 0.00 48
2022-02-01 $64,900 (-15.1%) $86,485 (-23.1%) 0.00 42
2022-03-01 $71,500 (-9.4%) $99,567 (-15.0%) 0.00 38
2022-04-01 $89,900 (14.2%) $120,878 (1.1%) 0.00 41
2022-05-01 $111,900 (35.6%) $127,214 (-0.3%) 0.00 41
2022-06-01 $92,400 (4.2%) $119,086 (-11.3%) 0.00 39
Taylorville's median listing price for 2022-06-01 was $92,400, a difference of $3,700 (4.2%) versus the prior year and $-19,500 versus the prior month.

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

Taylorville's average listing price for 2022-06-01 was $119,086, a difference of $-15,226 (-11.3%) versus the prior year and $-8,128 versus the prior month.

For the 2022-06-01 period, Taylorville had 39 MLS listings, a difference of -2 listings (-5%) versus the prior month and -12 listings (-24%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Taylorville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,449 sqft
2018-02-01 0 days 1,446 sqft
2018-03-01 0 days 1,468 sqft
2018-04-01 0 days 1,498 sqft
2018-05-01 0 days 1,494 sqft
2018-06-01 0 days 1,504 sqft
2018-07-01 0 days 1,434 sqft
2018-08-01 0 days 1,349 sqft
2018-09-01 0 days 1,344 sqft
2018-10-01 0 days 1,292 sqft
2018-11-01 0 days 1,347 sqft
2018-12-01 0 days 1,350 sqft
2019-01-01 0 days 1,387 sqft
2019-02-01 0 days 1,402 sqft
2019-03-01 0 days 1,333 sqft
2019-04-01 0 days 1,348 sqft
2019-05-01 0 days 1,267 sqft
2019-06-01 0 days 1,350 sqft
2019-07-01 0 days 1,347 sqft
2019-08-01 0 days 1,395 sqft
2019-09-01 0 days 1,444 sqft
2019-10-01 0 days 1,416 sqft
2019-11-01 0 days 1,480 sqft
2019-12-01 0 days 1,492 sqft
2020-01-01 0 days 1,341 sqft
2020-02-01 0 days 1,350 sqft
2020-03-01 0 days 1,396 sqft
2020-04-01 0 days 1,398 sqft
2020-05-01 0 days 1,397 sqft
2020-06-01 0 days 1,340 sqft
2020-07-01 0 days 1,296 sqft
2020-08-01 0 days 1,296 sqft
2020-09-01 0 days 1,419 sqft
2020-10-01 0 days 1,336 sqft
2020-11-01 0 days 1,296 sqft
2020-12-01 0 days 1,429 sqft
2021-01-01 0 days 1,296 sqft
2021-02-01 0 days 1,296 sqft
2021-03-01 0 days 1,479 sqft
2021-04-01 0 days 1,296 sqft
2021-05-01 0 days 1,296 sqft
2021-06-01 0 days 1,296 sqft
2021-07-01 0 days 1,296 sqft
2021-08-01 0 days 1,144 sqft
2021-09-01 0 days 1,135 sqft
2021-10-01 0 days 1,104 sqft
2021-11-01 0 days 1,215 sqft
2021-12-01 0 days 1,202 sqft
2022-01-01 0 days 1,200 sqft
2022-02-01 0 days 1,104 sqft
2022-03-01 0 days 1,227 sqft
2022-04-01 0 days 1,351 sqft
2022-05-01 0 days 1,420 sqft
2022-06-01 0 days 1,351 sqft
Taylorville's median listing age (time on market) for 2022-06-01 was 0 days.

Taylorville's median square footage for active listings during the 2022-06-01 period was 1,351 sqft. One year prior, the average listing was 1,296 sqft.