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: 01/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.706% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.895 Points$2,864 Points Fee
$2,864 Total Fees$0 Lender Fees
 30 Years Fixed
5.735% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.587 Points$1,878 Points Fee
$3,873 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.812% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.669 Points$2,141 Points Fee
$2,141 Total Fees$0 Lender Fees
 30 Years Fixed
6.096% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.662 Points$2,118 Points Fee
$3,446 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.122% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.795 Points$2,544 Points Fee
$4,544 Total Fees$2,000 Lender Fees
 30 Years Fixed
Numbers you can trust
Get home in 2026 with a 0% down VA Loan
5.795% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.494 Points$1,581 Points Fee
$1,581 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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