MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Mortgage Rates Garden Prairie, Illinois (IL) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Garden Prairie, Illinois. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: April 5, 2026

Current 30-year fixed mortgage rates in Garden Prairie, Illinois include Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 4.79% at 5.50%, PNB of KewaneePNB of KewaneeB+4.8 ★Texas Ratio: 17.17% at 5.56%, MembersAlliance Credit UnionMembersAlliance Credit UnionA+5.0 ★Texas Ratio: 2.78% at 5.50%, Revity Credit UnionRevity Credit UnionA+5.0 ★Texas Ratio: 1.46% at 5.88%, and Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 4.16% at 6.00%. Mortgage rates as of April 5, 2026 according to verified data from MonitorBankRates.

Garden Prairie borrowers have access to 50 lenders serving the Illinois area, with mortgage rates as low as 5.50% from Chicago Patrolmens Federal Credit Union. Use the tabs below to compare available loan types. Rates are continually updated — we recommend checking back frequently.

Mortgage Rates reflect actual verified offers from lenders actively lending to Illinois borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 5, 2026

Compare Mortgage Rates Today in Garden Prairie, Illinois & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
30-Year Fixed Mortgage
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 4, 2026
Details

Built-In End of Watch Loan Protection on Every Eligible Mortgage!

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
30 Year Fixed Mortgages
5.56%
5.73%
View
▼
Rate5.56%
APR5.73%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
30 Year Fixed Rate
30
5.50%
5.93%
View
▼
Rate5.50%
APR5.93%
Points1.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
30 Year Fixed Rate Conventional Mortgages - 5% Down
30
5.50%
5.93%
View
▼
Rate5.50%
APR5.93%
Points1.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Conventional Mortgages - 5% Down 30 Year Fixed Rate
30
5.50%
5.93%
View
▼
Rate5.50%
APR5.93%
Points1.000
UpdatedMar 27, 2026
Details

As Low As

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
30 Year Fixed
30
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
30 Year Fixed First Mortgage Loan
30
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
30 Year Fixed First Mortgage Loans
30 Year
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
First Mortgage Loans 30 Year Fixed
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Purchase: 30-Year Fixed Conventional
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 25, 2026
Details

$200000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Refinance: 30-Year Fixed Conventional or less
30-Year
6.00%
6.09%
View
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMar 25, 2026
Details

$200000

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
30 Year Fixed Rate
30
5.75%
6.13%
View
▼
Rate5.75%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
30 Year Fixed Rate Conventional Mortgages - 5% Down
30
5.75%
6.13%
View
▼
Rate5.75%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Conventional Mortgages - 5% Down 30 Year Fixed Rate
30
5.75%
6.13%
View
▼
Rate5.75%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Purchase: 30-Year Fixed Conventional
6.00%
6.14%
View
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedMar 25, 2026
Details

$100000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Refinance: 30-Year Fixed Conventional or less
30-Year
6.00%
6.15%
View
▼
Rate6.00%
APR6.15%
Points0.000
UpdatedMar 25, 2026
Details

$100000

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
30-year Fixed-Rate
30-year
6.00%
6.15%
View
▼
Rate6.00%
APR6.15%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Williamsville State B&T
Institution Rating:
A5.0 ★Texas Ratio: 8.19%
30 Year Mortgage
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Purchase: 30-Year Fixed Conventional
6.12%
6.19%
View
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 25, 2026
Details

$300000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Refinance: 30-Year Fixed Conventional or less
30-Year
6.12%
6.20%
View
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedMar 25, 2026
Details

$300000

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
30-year fixed mortgage
6.22%
6.22%
View
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
30 Year Fixed Rate
30 Years
6.12%
6.22%
View
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedApr 2, 2026
Details

As Low As

First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
30 Year Fixed
30 Year
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Better Banks
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
30 Year Fixed
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
30 Year Fixed
6.25%
6.34%
View
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30-Year Fixed Mortgage
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
30 Year Fixed Rate
6.25%
6.39%
View
▼
Rate6.25%
APR6.39%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
30 Year Fixed
6.12%
6.39%
View
▼
Rate6.12%
APR6.39%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Purchase: 30-Year Fixed Conventional
6.38%
6.41%
View
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 25, 2026
Details

$832750 or less

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
30 Year Fixed Rate Mortgage
30
6.38%
6.42%
View
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Refinance: 30-Year Fixed Conventional or less
30-Year
6.38%
6.42%
View
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMar 25, 2026
Details

$832750

Liberty Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
30-Year Fixed
6.38%
6.46%
View
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
30-year Fixed Mortgage
30
6.38%
6.47%
View
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
HomeReady Fixed Rate Mortgages 30 Year Fixed
6.38%
6.48%
View
▼
Rate6.38%
APR6.48%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
30-Year Fixed
6.38%
6.53%
View
▼
Rate6.38%
APR6.53%
Points0.000
UpdatedMar 27, 2026
Details

*Base Rate is before any adjustments are made due to Credit Score, Loan to Value, Investment Properties, Cash Out Refinances and loans with subordinate financing.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
30 Year Fixed
30
6.38%
6.54%
View
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
30 Year Fixed First-Time Homebuyer
30
6.38%
6.54%
View
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30 Year Fixed
30
6.38%
6.55%
View
▼
Rate6.38%
APR6.55%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Heritage Bank of Schaumburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-Year Fixed Rate Mortgage
6.50%
6.56%
View
▼
Rate6.50%
APR6.56%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Heritage Bank of Schaumburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-Year Fixed Rate Mortgage
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
30 Year Fixed
6.50%
6.61%
View
▼
Rate6.50%
APR6.61%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
30-year fixed rate
30
6.50%
6.62%
View
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
30 Year Fixed
6.50%
6.62%
View
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
30 Year Fixed
6.62%
6.67%
View
▼
Rate6.62%
APR6.67%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Central State Bank Clayton, IL
Institution Rating:
B-4.3 ★Texas Ratio: 23.94%
30 Year Fixed Rate
6.62%
6.68%
View
▼
Rate6.62%
APR6.68%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
Fixed Rate Mortgage - 30 Year Fixed Rate
6.62%
6.68%
View
▼
Rate6.62%
APR6.68%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
30-year fixed
6.62%
6.78%
View
▼
Rate6.62%
APR6.78%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year fixed refinance
30-year
6.62%
6.78%
View
▼
Rate6.62%
APR6.78%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
30 Year Fixed
6.75%
6.80%
View
▼
Rate6.75%
APR6.80%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
30 Year Fixed
30 Year
6.62%
6.82%
View
▼
Rate6.62%
APR6.82%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
15 Year Fixed Rate
15
4.75%
5.08%
View
▼
Rate4.75%
APR5.08%
Points1.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
15 Year Fixed Rate
15
5.12%
5.36%
View
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
15 Year Fixed Rate Conventional Mortgages - 5% Down
15
5.12%
5.36%
View
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Conventional Mortgages - 5% Down 15 Year Fixed Rate
15
5.12%
5.36%
View
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
15 Year Fixed
15 Year
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
15-year Fixed-Rate
15-year
5.38%
5.62%
View
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15-Year Fixed Mortgage
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
15 Year Fixed Rate Mortgage Loans
15 Year
5.49%
5.69%
View
▼
Rate5.49%
APR5.69%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
15 Year Fixed
15
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
15 Year Fixed First Mortgage Loan
15
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
15 Year Fixed First Mortgage Loans
15 Year
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
First Mortgage Loans 15 Year Fixed
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
15 Year Fixed
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
15 Year Fixed mortgages
5.50%
5.79%
View
▼
Rate5.50%
APR5.79%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
15 Year Fixed Rate
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
15 Year Fixed Rate Mortgage
15
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Central State Bank Clayton, IL
Institution Rating:
B-4.3 ★Texas Ratio: 23.94%
15 Year Fixed Rate
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
Fixed Rate Mortgage - 15 Year Fixed Rate
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Purchase: 15-Year Fixed Conventional
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Refinance: 15-Year Fixed Conventional
15-Year
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Liberty Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
15-Year Fixed
5.75%
5.89%
View
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
15-year Fixed Mortgage
15
5.75%
5.90%
View
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
15 Year Fixed Rate
15 Years
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 2, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15 Year Fixed
15
5.62%
5.92%
View
▼
Rate5.62%
APR5.92%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
15 Year Fixed Rate
5.75%
5.98%
View
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Heritage Bank of Schaumburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15-Year Fixed Rate Mortgage
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Better Banks
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
15 Year Fixed
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
15-year fixed rate
15
5.88%
6.06%
View
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
15 Year Fixed
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
15-Year Fixed
5.88%
6.13%
View
▼
Rate5.88%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

*Base Rate is before any adjustments are made due to Credit Score, Loan to Value, Investment Properties, Cash Out Refinances and loans with subordinate financing.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
15 Year Fixed
6.00%
6.17%
View
▼
Rate6.00%
APR6.17%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
15 Year Fixed
15
6.12%
6.20%
View
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
15 Year Fixed
5.88%
6.21%
View
▼
Rate5.88%
APR6.21%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
15 Year Fixed
15
5.88%
6.22%
View
▼
Rate5.88%
APR6.22%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
15-Year Fixed
15
6.12%
6.24%
View
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
15 Year Fixed
15 Year
6.00%
6.32%
View
▼
Rate6.00%
APR6.32%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
15 Year Fixed
6.12%
6.32%
View
▼
Rate6.12%
APR6.32%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
15 Year Fixed Mortgage
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
15-year fixed
6.12%
6.37%
View
▼
Rate6.12%
APR6.37%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
15 Year Fixed
15 Year
6.12%
6.45%
View
▼
Rate6.12%
APR6.45%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15-year Fixed
6.38%
6.58%
View
▼
Rate6.38%
APR6.58%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Mortgage Loan - Investment Property (Up to 2 units) 15 Year Fixed Rate
15 Years
6.75%
6.91%
View
▼
Rate6.75%
APR6.91%
Points0.000
UpdatedApr 2, 2026
Details

As Low As

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
Second Mortgages 15 Year Fixed
15 Year
8.67%
8.93%
View
▼
Rate8.67%
APR8.93%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
3/1 ARM
4.50%
4.61%
View
▼
Rate4.50%
APR4.61%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5/1 ARM
4.75%
4.86%
View
▼
Rate4.75%
APR4.86%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
5/1 Adjustable Rate Mortgage
15, 20 or 30 Years
5.25%
5.54%
View
▼
Rate5.25%
APR5.54%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5 Year ARM*
5 Year
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
7 Year ARM*
7 Year
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
10/1 Adjustable Rate Mortgage
15, 20 or 30 Years
5.50%
5.60%
View
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
7/1 ARM
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Adjustable Rate Mortgage Loan
3 years
5.38%
5.62%
View
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Adjustable Rate Mortgage Loan
5 years
5.50%
5.63%
View
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Adjustable Rate Mortgage Loan
7 years
5.75%
5.74%
View
▼
Rate5.75%
APR5.74%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Adjustable Rate Mortgage Loan
10 years
5.88%
5.84%
View
▼
Rate5.88%
APR5.84%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
15 Year Fixed Rate/ 10-Year Amort
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15/15 ARM
5.75%
5.92%
View
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
7/1 ARM
5.50%
5.99%
View
▼
Rate5.50%
APR5.99%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo 5/6mo SOFR ARM
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Adjustable-Rate Mortgages 5/1
5/1
5.88%
6.08%
View
▼
Rate5.88%
APR6.08%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; as low as 5.875%

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
7/1 ARM - 15 Year Term
5.75%
6.09%
View
▼
Rate5.75%
APR6.09%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
5/1 ARM - 15 Year Term
5.62%
6.11%
View
▼
Rate5.62%
APR6.11%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Units, Adjustable Rate
5 years
5.38%
6.12%
View
▼
Rate5.38%
APR6.12%
Points0.000
UpdatedApr 5, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5/1 ARM
5.62%
6.14%
View
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 5/1 ARM
5.75%
6.15%
View
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 28, 2026
Details

Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Adjustable-Rate Mortgages 5/1
5/1
5.88%
6.16%
View
▼
Rate5.88%
APR6.16%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; as low as 5.875%

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
3/1 ARM
5.50%
6.17%
View
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
5/1 ARM Special
5.69%
6.21%
View
▼
Rate5.69%
APR6.21%
Points0.000
UpdatedApr 3, 2026
Details

As Low As; Interest Rate fixed for 5 years - then variable after that.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 3/1 ARM
5.63%
6.21%
View
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 28, 2026
Details

Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
7/3 Adjustable-Rate (ARMs)
5.62%
6.23%
View
▼
Rate5.62%
APR6.23%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5/3 Adjustable-Rate (ARMs)
5.38%
6.26%
View
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7/1 ARM
6.12%
6.27%
View
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 7/1 ARM
6.13%
6.27%
View
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 28, 2026
Details

Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Family Properties, Adjustable Rate
1 year
7.00%
6.28%
View
▼
Rate7.00%
APR6.28%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Units, Adjustable Rate
3 years
5.38%
6.28%
View
▼
Rate5.38%
APR6.28%
Points0.000
UpdatedApr 5, 2026
Details

As Low As

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
5/1 ARM - 30 Year Term
5.88%
6.29%
View
▼
Rate5.88%
APR6.29%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
5/1 ARM - 30 Year Term Jumbo Mortgages
5.88%
6.29%
View
▼
Rate5.88%
APR6.29%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Mortgages 5/1 ARM - 30 Year Term
5.88%
6.29%
View
▼
Rate5.88%
APR6.29%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
7/1 ARM - 30 Year Term
6.00%
6.30%
View
▼
Rate6.00%
APR6.30%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
7/1 ARM - 30 Year Term Jumbo Mortgages
6.00%
6.30%
View
▼
Rate6.00%
APR6.30%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Mortgages 7/1 ARM - 30 Year Term
6.00%
6.30%
View
▼
Rate6.00%
APR6.30%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5/1 Year ARM
5.25%
6.30%
View
▼
Rate5.25%
APR6.30%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Family Properties, Adjustable Rate
5 years
5.38%
6.31%
View
▼
Rate5.38%
APR6.31%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
10/1 ARM - 30 Year Term Jumbo Mortgages
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Mortgages 10/1 ARM - 30 Year Term
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Liberty Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
5/6 SOFR ARM
5.88%
6.36%
View
▼
Rate5.88%
APR6.36%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Family Properties, Adjustable Rate
7 years
5.88%
6.37%
View
▼
Rate5.88%
APR6.37%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5-8 Units, Adjustable Rate
5 years
5.75%
6.38%
View
▼
Rate5.75%
APR6.38%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1-4 Family Properties, Adjustable Rate
3 years
5.38%
6.39%
View
▼
Rate5.38%
APR6.39%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
7/6 ARM Special
6.00%
6.40%
View
▼
Rate6.00%
APR6.40%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Liberty Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
7/6 SOFR ARM
6.12%
6.41%
View
▼
Rate6.12%
APR6.41%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
6.00%
6.42%
View
▼
Rate6.00%
APR6.42%
Points0.995
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.88%
6.42%
View
▼
Rate5.88%
APR6.42%
Points0.915
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
5/1 yr Jumbo adjustable-rate mortgage (ARM) loans
5/1 yr
6.00%
6.45%
View
▼
Rate6.00%
APR6.45%
Points0.665
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Single Family Mortgages (Loans - Purchases
15 Years
5.25%
5.31%
View
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedApr 3, 2026
Details

$832,750+

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Single Family Mortgages (Loans - Refinances
15 Years
5.25%
5.31%
View
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedApr 3, 2026
Details

$832,750+

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 15 Year
15 Year
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points1.000
UpdatedApr 5, 2026
Details

As Low As; as low as 5.500%

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 15 Year
15 Year
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; as low as 5.750%

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Single Family Mortgages (Loans - Purchases
30 Years
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedApr 3, 2026
Details

$832,750+

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Single Family Mortgages (Loans - Refinances
30 Years
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedApr 3, 2026
Details

$832,750+

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
15 Year - Fixed Rate Jumbo Mortgages
5.88%
6.04%
View
▼
Rate5.88%
APR6.04%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Mortgages 15 Year - Fixed Rate
5.88%
6.04%
View
▼
Rate5.88%
APR6.04%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.00%
6.12%
View
▼
Rate6.00%
APR6.12%
Points1.000
UpdatedApr 5, 2026
Details

As Low As; as low as 6.000%

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo 15-Year
15-Year
6.00%
6.19%
View
▼
Rate6.00%
APR6.19%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.25%
6.27%
View
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedApr 5, 2026
Details

As Low As; as low as 6.250%

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo 30 Year
6.38%
6.39%
View
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Jumbo 30 Year Fixed
30
6.25%
6.39%
View
▼
Rate6.25%
APR6.39%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
30-Yr JUMBO Fixed
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 25, 2026
Details

<sup>3</sup>

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
30 Year - Fixed Rate Jumbo Mortgages
6.50%
6.60%
View
▼
Rate6.50%
APR6.60%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Mortgages 30 Year - Fixed Rate
6.50%
6.60%
View
▼
Rate6.50%
APR6.60%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
20 Year - Fixed Rate Jumbo Mortgages
6.50%
6.63%
View
▼
Rate6.50%
APR6.63%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Mortgages 20 Year - Fixed Rate
6.50%
6.63%
View
▼
Rate6.50%
APR6.63%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo loans 15-year
15-year
6.38%
6.64%
View
▼
Rate6.38%
APR6.64%
Points0.795
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
15-year Jumbo loans
15-year
6.38%
6.66%
View
▼
Rate6.38%
APR6.66%
Points0.920
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo loans 20-year
20-year
6.50%
6.72%
View
▼
Rate6.50%
APR6.72%
Points0.890
UpdatedMar 29, 2026
Details

No additional details available.

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
30-Yr JUMBO Refi
6.88%
6.77%
View
▼
Rate6.88%
APR6.77%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Jumbo 30 Year Fixed
6.75%
6.78%
View
▼
Rate6.75%
APR6.78%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Jumbo loans 30-year
30-year
6.62%
6.79%
View
▼
Rate6.62%
APR6.79%
Points0.840
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Jumbo loans
30-year
6.62%
6.80%
View
▼
Rate6.62%
APR6.80%
Points0.965
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
20-year Jumbo loans
20-year
6.62%
6.82%
View
▼
Rate6.62%
APR6.82%
Points0.640
UpdatedMar 29, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo 30-Year
30-Year
6.75%
6.87%
View
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
30 Year Fixed (Jumbo)
6.75%
7.02%
View
▼
Rate6.75%
APR7.02%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
15 Year FHA Mortgages - 3.5% Down
15 Year
5.38%
6.13%
View
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down
15 Year
5.38%
6.13%
View
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down 15 Year
15 Year
5.38%
6.13%
View
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
30 Year FHA Mortgages - 3.5% Down
30 Year
5.62%
6.39%
View
▼
Rate5.62%
APR6.39%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down
30 Year
5.62%
6.39%
View
▼
Rate5.62%
APR6.39%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down 30 Year
30 Year
5.62%
6.39%
View
▼
Rate5.62%
APR6.39%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
25 Year FHA Mortgages - 3.5% Down
25 Year
5.75%
6.55%
View
▼
Rate5.75%
APR6.55%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down
25 Year
5.75%
6.55%
View
▼
Rate5.75%
APR6.55%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down 25 Year
25 Year
5.75%
6.55%
View
▼
Rate5.75%
APR6.55%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20 Year FHA Mortgages - 3.5% Down
20 Year
5.88%
6.72%
View
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down
20 Year
5.88%
6.72%
View
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
FHA Mortgages - 3.5% Down 20 Year
20 Year
5.88%
6.72%
View
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
30-year fixed FHA
5.99%
6.83%
View
▼
Rate5.99%
APR6.83%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
30-Yr FHA
6.25%
6.88%
View
▼
Rate6.25%
APR6.88%
Points0.000
UpdatedMar 25, 2026
Details

<sup>2</sup>

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
30 Year FHA
6.12%
6.98%
View
▼
Rate6.12%
APR6.98%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Federal Housing Administration (FHA) loans 30-year
30-year
6.12%
7.00%
View
▼
Rate6.12%
APR7.00%
Points0.716
UpdatedMar 29, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Federal Housing Administration (FHA) loans
30-year
6.12%
7.01%
View
▼
Rate6.12%
APR7.01%
Points0.841
UpdatedMar 29, 2026
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
30 Year Fixed FHA
30
5.88%
7.27%
View
▼
Rate5.88%
APR7.27%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
FHA 30 Year
6.25%
8.35%
View
▼
Rate6.25%
APR8.35%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
30 Year VA
6.12%
6.43%
View
▼
Rate6.12%
APR6.43%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Federal VA 30 Year Fixed Rate
6.12%
6.45%
View
▼
Rate6.12%
APR6.45%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
30-Yr VA
6.38%
6.48%
View
▼
Rate6.38%
APR6.48%
Points0.000
UpdatedMar 25, 2026
Details

<sup>2</sup>

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
30 Year Fixed VA
30
6.12%
6.49%
View
▼
Rate6.12%
APR6.49%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.51%
View
▼
Rate6.12%
APR6.51%
Points0.966
UpdatedMar 29, 2026
Details

No additional details available.

Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
VA 30 Year
6.25%
6.53%
View
▼
Rate6.25%
APR6.53%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
30-year Veterans Affairs (VA) loans
30-year
6.25%
6.62%
View
▼
Rate6.25%
APR6.62%
Points0.849
UpdatedMar 29, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
30-year fixed VA
6.49%
7.07%
View
▼
Rate6.49%
APR7.07%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

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Garden Prairie, IL Mortgage Rate Trends

Compare local Garden Prairie, IL mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Illinois Mortgage Trends →
30-Year Fixed — IL Avg
6.602%
▼ 0.047 vs 7 days ago

Illinois 30-year fixed rates fell 0.047 points over the past 7 days to 6.602%.

15-Year Fixed — IL Avg
5.966%
▼ 0.038 vs 7 days ago

Illinois 15-year fixed rates fell 0.038 points over the past 7 days to 5.966%.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Garden Prairie, Illinois directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Garden Prairie, Illinois. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in IL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.

Frequently Asked Questions about Mortgage Rates in Garden Prairie, Illinois

How does my credit score affect my rate in Illinois?

Your credit score is a major factor. Generally, borrowers in Garden Prairie, Illinois with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Illinois because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Illinois?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Illinois, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Garden Prairie, Illinois, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Garden Prairie, Illinois?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Illinois, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in Illinois?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Garden Prairie, Illinois offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Garden Prairie, Illinois?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.

What are the best Mortgage rates in Garden Prairie, Illinois?

  • Chicago Patrolmens Federal Credit Union: 5.50% (30-Year Fixed Mortgage)
  • PNB of Kewanee: 5.56% (30 Year Fixed Mortgages)
  • MembersAlliance Credit Union: 5.50% (30 Year Fixed Rate)
  • Revity Credit Union: 5.88% (30 Year Fixed)
  • Dupaco Community Credit Union: 6.00% (Purchase: 30-Year Fixed Conventional)
Mortgage Rates reflect actual verified offers from lenders actively lending to Illinois borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 5, 2026

Garden Prairie, Illinois Rates & Resources

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