20-year ARM mortgage rates — Illinois
7.19%
Estimated median purchase rate · P25–P75 6.96%–7.52%
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These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 37
- Evidence
- Moderate evidenceBased on 37 loans — one loan shifts the estimate by about 0.01 percentage points.
- Typical closing costs
- —
- As of
- 2025-07-14
7.56%
Estimated median refinance rate · P25–P75 6.95%–7.78%
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 39
- Evidence
- Moderate evidenceBased on 39 loans — one loan shifts the estimate by about 0.01 percentage points.
- Typical closing costs
- —
- As of
- 2025-07-14
5.41%
Estimated median cash-out refinance rate · P25–P75 5.28%–6.74%
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 213
- Evidence
- Strong evidenceBased on 213 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- —
- As of
- 2025-07-14
Rate is a points-normalized estimate (each loan adjusted toward its zero-point equivalent using a standard ~0.25%/point buydown assumption), shown alongside typical closing costs so rate and cost are weighed together — a lower rate often comes with higher points or fees. From crowdsourced and public HMDA data, for comparison only. Not an offer, quote, or savings estimate.