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: 10/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.762% APR 6.624% Rate 15 day rate lock $2,049 Payment per month
0.802 Points$2,566 Points Fee
$4,561 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.859% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.750 Points$2,400 Points Fee
$3,670 Total Fees$1,270 Lender Fees
 30 Years Fixed
6.870% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.894 Points$2,861 Points Fee
$4,051 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.894% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.858 Points$2,746 Points Fee
$4,741 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.900% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.916 Points$2,931 Points Fee
$4,931 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.906% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.883 Points$2,826 Points Fee
$5,121 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.005% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.689 Points$2,205 Points Fee
$8,405 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.059% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.701 Points$2,243 Points Fee
$2,243 Total Fees$0 Lender Fees
 30 Years Fixed
7.123% APR 7.000% Rate 45 day rate lock $2,129 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.132% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.870 Points$2,784 Points Fee
$4,278 Total Fees$1,494 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
Buy with a $0 down payment when you qualify for a VA Loan
6.948% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.746 Points$2,387 Points Fee
$2,387 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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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