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: 08/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.237% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.576 Points$1,843 Points Fee
$3,838 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.275% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.978 Points$3,130 Points Fee
$5,125 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.374% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$8,530 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$4,270 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.384% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.700 Points$2,240 Points Fee
$4,535 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.395% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.917 Points$2,934 Points Fee
$4,934 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.445% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.483 Points$1,546 Points Fee
$2,341 Total Fees$795 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 Lender Fees
 30 Years Fixed
6.499% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.994 Points$3,181 Points Fee
$4,417 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.512% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.999 Points$3,197 Points Fee
$4,592 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.514% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.521% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.942 Points$3,014 Points Fee
$9,214 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.674% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.702% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.795 Points$2,544 Points Fee
$2,544 Total Fees$0 Lender Fees
 30 Years Fixed
6.745% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.876 Points$2,803 Points Fee
$4,131 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.918% APR 6.875% Rate 35 day rate lock $2,103 Payment per month
0.000 Points$0 Points Fee
$1,395 Total Fees$1,395 Lender Fees
 30 Years Fixed
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6.442% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.699 Points$2,237 Points Fee
$2,237 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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