Illinois

Today's Illinois (IL) Mortgage Rates


eRates Mortgage
NMLS # 1071
State Lic # MB.0005883
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

E-Click Lending
NMLS # 1256692
State Lic # MB.6760232-002
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

ConsumerDirect Mortgage, a division of First Bank
NMLS # 790396
State Lic # MB.6760232-002
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Citibank, N. A.
NMLS # 412915
State Lic # MB.6760232-002
4.071% APR
4.000% RATE
0 Points
60 day lock
Fees: $2,143
Monthly Payment
$1,193.54

NEXT  

Ally Bank
NMLS # 181005
State Lic # MB.6760232-002
3.904% APR
3.875% RATE
0 Points
45 day lock
Fees: $865
Monthly Payment
$1,175.59

NEXT  

Sebonic Financial
NMLS # 66247 Cardinal Financial
State Lic # 6760960
3.694% APR
3.625% RATE
0 Points
30 day lock
Fees: $2,112
Monthly Payment
$1,140.13

NEXT  

Better Mortgage Inc
NMLS # 330511
State Lic # MB.6761046
3.879% APR
3.875% RATE
0 Points
45 day lock
Fees: $112
Monthly Payment
$1,175.59

NEXT  

JG Wentworth Home Lending
NMLS # 2925
State Lic # MB.6760776
4.135% APR
4.125% RATE
0 Points
45 day lock
Fees: $299
Monthly Payment
$1,211.62

NEXT  

First Mortgage Direct
State Lic # MB.6760776
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Northpointe Bank
State Lic # MB.6760776
3.751% APR
3.750% RATE
0 Points
30 day lock
Fees: $25
Monthly Payment
$1,157.79

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


Illinois (IL) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 3,226,209
  • Loan purchased by the institution: 1,199,124
  • Application denied by financial institution: 1,069,659
  • Application withdrawn by applicant: 454,015
  • Application approved but not accepted: 283,335
  • File closed for incompleteness: 178,420
  • Preapproval request denied by financial institution: 1,046
  • Preapproval request approved but not accepted: 79

  • Refinancing: 4,071,914
  • Home purchase: 2,014,475
  • Home improvement: 325,498

  • Conventional: 5,230,636
  • FHA-insured: 974,228
  • VA-guaranteed: 144,059
  • FSA/RHS-guaranteed: 62,964

  • White: 4,452,224
  • Not applicable: 645,787
  • Information not provided by applicant in mail, Internet, or telephone application: 530,031
  • Black or African American: 454,329
  • Asian: 288,108
  • American Indian or Alaska Native: 24,531
  • Native Hawaiian or Other Pacific Islander: 16,877

  • Not Hispanic or Latino: 4,763,483
  • Not applicable: 647,313
  • Hispanic or Latino: 504,648
  • Information not provided by applicant in mail, Internet, or telephone application: 496,443

  • Male: 3,879,625
  • Female: 1,583,403
  • Not applicable: 646,107
  • Information not provided by applicant in mail, Internet, or telephone application: 302,752

  • Office of the Comptroller of the Currency: 1,707,015
  • Consumer Financial Protection Bureau: 1,411,341
  • Department of Housing and Urban Development: 1,405,042
  • Federal Deposit Insurance Corporation: 697,798
  • Federal Reserve System: 542,671
  • Office of Thrift Supervision: 470,559
  • National Credit Union Administration: 177,461

  • Cook County: 2,576,722
  • DuPage County: 566,063
  • Will County: 438,375
  • Lake County: 419,585
  • Kane County: 301,762
  • McHenry County: 196,945
  • Madison County: 152,929
  • Winnebago County: 146,368
  • St. Clair County: 146,036
  • Sangamon County: 111,470
  • McLean County: 92,886
  • Kendall County: 90,853
  • Peoria County: 85,492
  • Champaign County: 84,905
  • Rock Island County: 75,510
  • Tazewell County: 68,611
  • DeKalb County: 49,712
  • Kankakee County: 47,939
  • Macon County: 42,077
  • LaSalle County: 36,397
  • Boone County: 30,942
  • Grundy County: 27,232
  • Vermilion County: 25,142
  • Ogle County: 25,005
  • Henry County: 24,205
  • Monroe County: 23,292
  • Macoupin County: 21,115
  • Williamson County: 21,073
  • Woodford County: 19,490
  • Clinton County: 19,171
  • Whiteside County: 17,817
  • Adams County: 17,293
  • Knox County: 16,726
  • Stephenson County: 13,321
  • Coles County: 13,278
  • Jefferson County: 12,582
  • Morgan County: 11,531
  • Bureau County: 11,186
  • Jackson County: 11,136
  • Marion County: 11,068
  • Christian County: 11,062
  • Jersey County: 10,794
  • Lee County: 10,593
  • Franklin County: 10,268
  • Livingston County: 10,158
  • Randolph County: 9,932
  • Jo Daviess County: 9,642
  • Effingham County: 8,821
  • Fulton County: 8,750
  • Piatt County: 8,488
  • Mercer County: 8,462
  • Iroquois County: 8,350
  • Unknown: 8,125
  • Montgomery County: 7,713
  • Menard County: 7,532
  • Bond County: 7,412
  • Logan County: 7,227
  • McDonough County: 6,856
  • Saline County: 6,821
  • Douglas County: 6,616
  • Ford County: 6,134
  • Fayette County: 5,768
  • Washington County: 5,462
  • Carroll County: 5,445
  • De Witt County: 5,206
  • Clark County: 4,917
  • Marshall County: 4,858
  • Edgar County: 4,803
  • Warren County: 4,796
  • Perry County: 4,463
  • Greene County: 4,422
  • White County: 4,361
  • Mason County: 4,342
  • Moultrie County: 4,331
  • Shelby County: 4,307
  • Pike County: 4,241
  • Hancock County: 3,951
  • Johnson County: 3,528
  • Union County: 3,413
  • Cass County: 3,411
  • Massac County: 3,410
  • Crawford County: 3,408
  • Richland County: 3,256
  • Lawrence County: 3,135
  • Wayne County: 2,852
  • Wabash County: 2,654
  • Cumberland County: 2,197
  • Hamilton County: 2,079
  • Clay County: 2,077
  • Stark County: 1,899
  • Putnam County: 1,643
  • Calhoun County: 1,599
  • Jasper County: 1,576
  • Scott County: 1,490
  • Henderson County: 1,468
  • Gallatin County: 1,455
  • Schuyler County: 1,441
  • Alexander County: 1,125
  • Edwards County: 942
  • Pulaski County: 876

  • Chicago, Naperville, Joliet – IL: 1,843,166
  • Chicago, Joliet, Naperville – IL: 1,778,158
  • Chicago, Naperville, Arlington Heights – IL: 573,098
  • Unknown: 462,948
  • Lake County, Kenosha County – IL, WI: 419,511
  • St. Louis – MO, IL: 382,006
  • Peoria – IL: 180,321
  • Rockford – IL: 177,262
  • Springfield – IL: 118,951
  • Davenport, Moline, Rock Island – IA, IL: 108,120
  • Champaign, Urbana – IL: 99,508
  • Bloomington, Normal – IL: 78,932
  • Elgin – IL: 52,234
  • Decatur – IL: 42,069
  • Kankakee, Bradley – IL: 40,542
  • Danville – IL: 25,131
  • Bloomington – IL: 15,027
  • Kankakee – IL: 7,376
  • Carbondale, Marion – IL: 6,772
  • Cape Girardeau, Jackson – MO, IL: 563
  • Cape Girardeau – MO, IL: 192

  • Unknown: 5,587,168
  • Collateral: 201,384
  • Credit history: 182,749
  • Debt-to-income ratio: 177,189
  • Credit application incomplete: 110,386
  • Other: 85,659
  • Unverifiable information: 38,496
  • Insufficient cash (downpayment, closing costs): 17,378
  • Employment history: 9,349
  • Mortgage insurance denied: 2,129

  • Not a HOEPA loan: 6,410,916
  • HOEPA loan: 971

  • Secured by a first lien: 4,848,271
  • Not applicable: 1,199,124
  • Secured by a subordinate lien: 284,747
  • Not secured by a lien: 79,745

  • Owner-occupied as a principal dwelling: 5,911,017
  • Not owner-occupied as a principal dwelling: 465,997
  • Not applicable: 34,873

  • One-to-four family dwelling (other than manufactured housing): 6,343,397
  • Manufactured housing: 38,821
  • Multifamily dwelling: 29,669

  • Loan was not originated or was not sold in calendar year covered by register: 3,042,072
  • Fannie Mae (FNMA): 1,013,283
  • Freddie Mac (FHLMC): 732,010
  • Affiliate institution: 422,368
  • Ginnie Mae (GNMA): 401,231
  • Commercial bank, savings bank or savings association: 360,802
  • Other type of purchaser: 208,867
  • Life insurance company, credit union, mortgage bank, or finance company: 195,569
  • Private securitization: 35,550
  • Farmer Mac (FAMC): 135