Home Mortgage Loan Ratesin Illinois

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Illinois and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 07/14/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.397% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.935 Points$2,992 Points Fee
$4,987 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.479% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,490 Total Fees$1,490 Lender Fees
 30 Years Fixed
6.578% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.811 Points$2,595 Points Fee
$2,595 Total Fees$0 Lender Fees
 30 Years Fixed
6.584% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.548 Points$1,754 Points Fee
$3,149 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.591% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.834 Points$2,669 Points Fee
$3,369 Total Fees$700 Lender Fees
 30 Years Fixed
6.631% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.997 Points$3,190 Points Fee
$4,518 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.655% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.707% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.851 Points$2,723 Points Fee
$2,723 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
PenFed membership is open to everyone, including you.
0% down payment USDA Loan options
As low as 0% down options & down payment assistance
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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