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: 08/29/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.102% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.582 Points$1,862 Points Fee
$3,857 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.175% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.527 Points$1,686 Points Fee
$1,686 Total Fees$0 Lender Fees
 30 Years Fixed
6.269% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.947 Points$3,030 Points Fee
$4,918 Total Fees$1,888 Lender Fees
 30 Years Fixed
6.316% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.700 Points$2,240 Points Fee
$2,240 Total Fees$0 Lender Fees
 30 Years Fixed
6.355% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.889 Points$2,845 Points Fee
$3,545 Total Fees$700 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.463% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.555 Points$1,776 Points Fee
$3,104 Total Fees$1,328 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
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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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