20-year Conventional mortgage rates — Illinois
6.18%
Estimated median purchase rate · P25–P75 5.86%–6.62%
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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
- 791
- Evidence
- Strong evidenceBased on 791 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $6,450
- As of
- 2025-07-14
5.83%
Estimated median refinance rate · P25–P75 5.58%–6.08%
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
- 2,113
- Evidence
- Strong evidenceBased on 2,113 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $2,760
- As of
- 2025-07-14
6.56%
Estimated median cash-out refinance rate · P25–P75 6.07%–7.11%
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
- 387
- Evidence
- Strong evidenceBased on 387 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $4,000
- 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.