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Mortgage Rates in Illinois

18 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.545%
11 submissions
Total Submissions
18
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in Illinois

LenderAvg RateSubmissions
Fifth Third BankFifth Third Bank6.350%4
Guaranteed RateGuaranteed Rate6.875%2
PNC BankPNC Bank5.875%2
Regions BankRegions Bank6.625%1
Navy Federal Credit UnionNavy Federal Credit Union7.375%1
Mr. CooperMr. Cooper7.125%1
Alliant Credit UnionAlliant Credit Union5.875%1
Freedom MortgageFreedom Mortgage5.750%1

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.667%3
Nov 20256.500%2
Sep 20255.750%1
Aug 20256.308%2
Jun 20256.250%1
May 20256.208%3
Apr 20256.875%1
Feb 20256.188%2
Jan 20256.300%3

Frequently Asked Questions

What is the average mortgage rate in Illinois?
Based on 11 real 30-year fixed submissions, the average rate locked in Illinois is 6.545%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for Illinois?
18 real rates from Illinois, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in Illinois?
The average VA 30-year rate locked in Illinois is 5.833%, based on 3 submissions.
Which lenders have the most submissions in Illinois?
Fifth Third Bank, Guaranteed Rate, PNC Bank have the most submitted rates in Illinois on HomeLoans.fyi.
Browse all Illinois submissions →