15-year FHA mortgage rates — Illinois
5.87%
Estimated median purchase rate · P25–P75 5.52%–6.11%
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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.
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- 5
- Evidence
- Limited evidenceBased on 5 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point.
- Typical closing costs
- $10,900
- As of
- 2025-07-14
5.67%
Estimated median refinance rate · P25–P75 5.17%–6.02%
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
- 13
- Evidence
- Limited evidenceBased on 13 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point.
- Typical closing costs
- $9,450
- As of
- 2025-07-14
6.15%
Estimated median cash-out refinance rate · P25–P75 5.78%–6.44%
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
- 104
- Evidence
- Strong evidenceBased on 104 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $11,060
- 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.