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: 10/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.864% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.616 Points$1,971 Points Fee
$3,966 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.878 Points$2,810 Points Fee
$2,810 Total Fees$0 Lender Fees
 30 Years Fixed
5.986% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.575 Points$1,840 Points Fee
$3,840 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.223% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.823 Points$2,634 Points Fee
$3,334 Total Fees$700 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
0% down payment USDA Loan options
$0 down payment for Veterans homebuying with a VA Loan
5.929% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.579 Points$1,853 Points Fee
$1,853 Total Fees$0 Lender Fees
 30 Years Fixed
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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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