Taylorville Mortgage Rates
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% |
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.).
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. LouisDate | 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 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. LouisDate | 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 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.