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Residential Mortgage Rates - Locally-Retained Service

The rates, points and APRs shown below are quoted on conforming loan amounts of $100,000 to $484,350 for a single residence with a down payment of 20% or more and are subject to change without notice. Rate, points and APR may be adjusted based on several factors including but not limited to loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based upon information relating to these factors, which may be determined after you made application. NMLS ID 435120.

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Term Rate % Points APR % P&I*
30 Year Fixed 3.625 0 3.695 $4.56
20 Year Fixed 3.500 0 3.598 $5.80
15 Year Fixed 3.125 0 3.177 $6.97
10 Year Fixed 3.125 0 3.201 $9.71

Mortgage rates are current as of December 3, 2019, and are subject to change at any time. All rates are expressed as an Annual Percentage Rate or APR. Assumption: Single Family/Owner Occupied. *Monthly Principal and Interest (P&I) per $1,000 does not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation may be greater.


Kim Lewis217.356.0933, NMLS ID: 1037817

Lane Nicolette, 217.356.0933, NMLS ID: 1590641


Jim McMurry, 217.356.0933, NMLS ID : 445430

Jack Wallace, 217.344.2265, NMLS ID : 1650853



Justin Davis

Consumer Loan Officer
NMLS ID: 445407

Ask me about co-op loans!


Jason Eyman

Commercial Loan Officer


NMLS ID: 445424

*First Federal's primary lending area is in Champaign County, Illinois.

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