30-year ARM mortgage rates — Illinois
6.10%
Estimated median purchase rate · P25–P75 5.71%–6.49%
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
- 4,822
- Evidence
- Strong evidenceBased on 4,822 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $6,790
- As of
- 2025-07-14
5.97%
Estimated median refinance rate · P25–P75 5.61%–6.51%
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
- 2,239
- Evidence
- Strong evidenceBased on 2,239 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $3,140
- As of
- 2025-07-14
7.81%
Estimated median cash-out refinance rate · P25–P75 6.96%–8.14%
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
- 1,376
- Evidence
- Strong evidenceBased on 1,376 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $3,300
- 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.