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Illinois Rate Trends

Mortgage Rates Smithton, Illinois (IL) for March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 Smithton, Illinois. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: March 21, 2026

Current 30-year fixed mortgage rates in Smithton, Illinois as of March 21, 2026 are as follows, according to verified data from MonitorBankRates: Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union10343 S Pulaski Rd, Chicago, IL, 60607 1820A+5.0 ★Texas Ratio: 4.79% at 5.50%, PNB of KewaneePNB of Kewanee109 W Maple Ave, Annawan, IL, 60420B+4.8 ★Texas Ratio: 17.17% at 5.56%, Eureka Savings BankEureka Savings Bank101 N Columbia Ave, La Salle, IL, 61301A5.0 ★Texas Ratio: 7.10% at 5.75%, Dupaco Community Credit UnionDupaco Community Credit Union11375 Oldenburg Ln, Galena, IL, 61036 8104A+5.0 ★Texas Ratio: 4.16% at 5.88%, and MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Loves Park, IL, 61073A+5.0 ★Texas Ratio: 2.78% at 5.50%.

Mortgage rates in Smithton, Illinois (IL) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.

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: March 21, 2026

Smithton, IL Mortgage Rate Trends

Compare local Smithton, IL mortgage rate quotes against the statewide average

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

View Full Illinois Trends →
30-Year Fixed — IL Avg
6.393%
▲ 0.308 from last week

For buyers in Smithton, IL, the broader Illinois 30-year fixed average mortgage rate rose 0.308 points this week to 6.393%, according to MonitorBankRates trend data.

15-Year Fixed — IL Avg
5.858%
▼ 1.913 from last week

For buyers in Smithton, IL, the broader Illinois 15-year fixed average mortgage rate fell 1.913 points this week to 5.858%, according to MonitorBankRates trend data.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Mortgage Rates Today in Smithton, 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%
10343 S Pulaski Rd, Chicago, IL, 60607 1820
30-Year Fixed Mortgage
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 18, 2026
Details

Promotional rate subject to credit qualification and program type (purchases and rate/term refinances vs. cash-out). End of Watch Loan Protection is available only for qualifying officer, firefighter or EMT and may not be purchased outright. This debt cancellation benefit only applies in the case of death. See loan addendum upon closing for details.

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
109 W Maple Ave, Annawan, IL, 60420
30 Year Fixed Mortgages
5.56%
5.73%
View
▼
Rate5.56%
APR5.73%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
101 N Columbia Ave, La Salle, IL, 61301
30 Year Fixed Rate
30 Years
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 13, 2026
Details

As Low As

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Purchase: 30-Year Fixed Conventional
30-Year
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 13, 2026
Details

Purchase: 30-Year Fixed Conventional $832750 or less

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL, 61073
30 Year Fixed Rate
5.50%
5.93%
View
▼
Rate5.50%
APR5.93%
Points1.000
UpdatedMar 20, 2026
Details

As Low As

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Purchase: 30-Year Fixed Conventional
30-Year
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 13, 2026
Details

Purchase: 30-Year Fixed Conventional $200000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional
30-Year
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details

$200000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional or less
30-Year
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details

$200000

DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3153 AVENUE OF THE CITIES, MOLINE, IL, 61265
30 Year Fixed
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Bannockburn, IL, 60014
30-Year Fixed Mortgage
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; POINTS MAY APPLY

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Purchase: 30-Year Fixed Conventional
30-Year
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points0.000
UpdatedMar 13, 2026
Details

Purchase: 30-Year Fixed Conventional $100000 or less

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
30 Year Fixed
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
30 Year Fixed First Mortgage Loan
30
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
30 Year Fixed First Mortgage Loans
30
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
First Mortgage Loans 30 Year Fixed
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional
30-Year
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 13, 2026
Details

$100000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional or less
30-Year
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 13, 2026
Details

$100000

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL, 61108
30-year Fixed-Rate
30
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional
30-Year
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 13, 2026
Details

$832750 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional or less
30-Year
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 13, 2026
Details

$832750

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
136 E Illinois Ave, Bloomingdale, IL, 60067
30 Year Fixed
5.99%
6.05%
View
▼
Rate5.99%
APR6.05%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Williamsville State B&T
Institution Rating:
A5.0 ★Texas Ratio: 8.19%
3341 Old Jacksonville Rd, Sherman, IL, 62684
30 Year Mortgage
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
3005 7th St, Moline, IL, 61265 5925
Fixed Rate Mortgage - 30 Year Fixed Rate
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Purchase: 30-Year Fixed Conventional
30-Year
6.00%
6.06%
View
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 13, 2026
Details

Purchase: 30-Year Fixed Conventional $300000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional
30-Year
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 13, 2026
Details

$300000 or less

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 30-Year Fixed Conventional or less
30-Year
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 13, 2026
Details

$300000

Better Banks
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
10045 West Lancelot Drive, Astoria, IL, 61491
30 Year Fixed
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; Rate

First Trust Bank of Illinois
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
1090 Main St Nw, Aroma Park, IL, 60901
30 Year Fixed Rate
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1 Junction Dr W, Alton, IL, 60014
30 Year Fixed
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL, 61073
30 Year Fixed Rate
5.75%
6.13%
View
▼
Rate5.75%
APR6.13%
Points0.000
UpdatedMar 20, 2026
Details

As Low As

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
136 E Illinois Ave, Bloomingdale, IL, 60067
30 Year Fixed
5.99%
6.13%
View
▼
Rate5.99%
APR6.13%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Bannockburn, IL, 60014
30 Year Fixed
30
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details

As Low As

First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1311 S Neil St, Champaign, IL, 61801
30 Year Fixed
30 Year
6.12%
6.16%
View
▼
Rate6.12%
APR6.16%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL, 60050
30-Year Fixed Service Released
6.12%
6.20%
View
▼
Rate6.12%
APR6.20%
Points0.125
UpdatedMar 20, 2026
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL, 60505 1511
30 Year Fixed First-Time Homebuyer
30
6.00%
6.20%
View
▼
Rate6.00%
APR6.20%
Points0.000
UpdatedMar 13, 2026
Details

HomeReady Assumptions: Purchase Price $260,000, Loan Amount $252,200, single family home, Illinois primary residence, 97% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock, income limits apply; income cannot exceed 80% of the area median income(AMI).

Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
123 W Elm St, Athens, IL, 62613
Conforming 30 Year Fixed Rate
6.12%
6.21%
View
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
1515 Bond St, Downers Grove, IL, 60187 5568
30-year Fixed
6.12%
6.22%
View
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2323 S Wentworth Ave, Chicago, IL, 60608
30-year fixed mortgage
6.22%
6.22%
View
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1 Bank Ln, Addison, IL, 60007
30 Year Fixed Rate
6.12%
6.26%
View
▼
Rate6.12%
APR6.26%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 Professional Plz, Alton, IL, 61422
30 Year Fixed Rate Mortgage
30
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL, 60505 1511
30 Year Fixed
30
6.12%
6.30%
View
▼
Rate6.12%
APR6.30%
Points0.000
UpdatedMar 13, 2026
Details

Conventional Assumptions: Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock.

Heritage Bank of Schaumburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1535 W Schaumburg Rd, Schaumburg, IL, 60194
30-Year Fixed Rate Mortgage
30
6.25%
6.31%
View
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Milan, IL, 61074
30 Year Fixed
30 Year
6.12%
6.32%
View
▼
Rate6.12%
APR6.32%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL, 61108
30-year Fixed-Rate
30
6.25%
6.32%
View
▼
Rate6.25%
APR6.32%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

Heritage Bank of Schaumburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1535 W Schaumburg Rd, Schaumburg, IL, 60194
30-Year Fixed Rate Mortgage
30
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1 Junction Dr W, Alton, IL, 60014
30 Year Fixed
6.25%
6.35%
View
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Canton, IL, 60022
30-Year Fixed Rate
6.25%
6.40%
View
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2213 W White Oaks Dr, Springfield, IL, 62702
30-Year Fixed
30
6.25%
6.41%
View
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMar 20, 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.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Marriott Dr, Burr Ridge, IL, 60015
30-year fixed
6.38%
6.52%
View
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
30-year fixed refinance
30-year
6.38%
6.54%
View
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 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%
2550 S Alpine Rd, Loves Park, IL, 61073
15 Year Fixed Rate
4.75%
5.08%
View
▼
Rate4.75%
APR5.08%
Points1.000
UpdatedMar 20, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL, 61073
15 Year Fixed Rate
5.12%
5.36%
View
▼
Rate5.12%
APR5.36%
Points0.000
UpdatedMar 20, 2026
Details

As Low As

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL, 61108
15-year Fixed-Rate
15
5.12%
5.37%
View
▼
Rate5.12%
APR5.37%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Bannockburn, IL, 60014
15-Year Fixed Mortgage
5.38%
5.38%
View
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; POINTS MAY APPLY

DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3153 AVENUE OF THE CITIES, MOLINE, IL, 61265
15 Year Fixed
5.25%
5.40%
View
▼
Rate5.25%
APR5.40%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
136 E Illinois Ave, Bloomingdale, IL, 60067
15 Year Fixed
5.38%
5.47%
View
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
101 N Columbia Ave, La Salle, IL, 61301
15 Year Fixed Rate
15 Years
5.38%
5.53%
View
▼
Rate5.38%
APR5.53%
Points0.000
UpdatedMar 13, 2026
Details

As Low As

First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1311 S Neil St, Champaign, IL, 61801
15 Year Fixed
15 Year
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
3005 7th St, Moline, IL, 61265 5925
Fixed Rate Mortgage - 15 Year Fixed Rate
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
136 E Illinois Ave, Bloomingdale, IL, 60067
15 Year Fixed
5.38%
5.60%
View
▼
Rate5.38%
APR5.60%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Purchase: 15-Year Fixed Conventional
15-Year
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 13, 2026
Details

Purchase: 15-Year Fixed Conventional

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL, 61036 8104
Refinance: 15-Year Fixed Conventional
15-Year
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Bannockburn, IL, 60014
15 Year Fixed
15
5.38%
5.65%
View
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details

As Low As

The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1600 John Deere Expy, Beardstown, IL, 61282
15 Year Fixed Rate Mortgage Loans
15 Year
5.49%
5.69%
View
▼
Rate5.49%
APR5.69%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Central State Bank Clayton, IL
Institution Rating:
B-4.3 ★Texas Ratio: 23.94%
100 W Main St, Clayton, IL, 62301
15 Year Fixed Rate
5.62%
5.71%
View
▼
Rate5.62%
APR5.71%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Canton, IL, 60022
15-Year Fixed Rate
5.50%
5.73%
View
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
15 Year Fixed
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
15 Year Fixed First Mortgage Loan
15
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
15 Year Fixed First Mortgage Loans
15
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL, 62002
First Mortgage Loans 15 Year Fixed
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Heritage Bank of Schaumburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1535 W Schaumburg Rd, Schaumburg, IL, 60194
15-Year Fixed Rate Mortgage
15
5.62%
5.74%
View
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
1515 Bond St, Downers Grove, IL, 60187 5568
15-year Fixed
5.62%
5.77%
View
▼
Rate5.62%
APR5.77%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
109 W Maple Ave, Annawan, IL, 60420
15 Year Fixed Mortgages
5.50%
5.79%
View
▼
Rate5.50%
APR5.79%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1 Junction Dr W, Alton, IL, 60014
15 Year Fixed
5.62%
5.79%
View
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Milan, IL, 61074
15 Year Fixed
15 Year
5.50%
5.81%
View
▼
Rate5.50%
APR5.81%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 Professional Plz, Alton, IL, 61422
15 Year Fixed Rate
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 Professional Plz, Alton, IL, 61422
15 Year Fixed Rate Mortgage
15
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL, 61108
15-year Fixed-Rate
15
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

First Trust Bank of Illinois
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
1090 Main St Nw, Aroma Park, IL, 60901
15 Year Fixed Rate
5.75%
5.86%
View
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Better Banks
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
10045 West Lancelot Drive, Astoria, IL, 61491
15 Year Fixed
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; Rate

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2213 W White Oaks Dr, Springfield, IL, 62702
15-Year Fixed
15
5.62%
5.88%
View
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMar 20, 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%
1008 N Bridge St, Aurora, IL, 60505 1511
15 Year Fixed
15
5.62%
5.95%
View
▼
Rate5.62%
APR5.95%
Points0.000
UpdatedMar 13, 2026
Details

Conventional Assumptions: Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock

Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1100 E Lincolnway, Geneseo, IL, 61053
15 Year Fixed
15
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL, 60050
15-Year Fixed Service Released
5.88%
5.98%
View
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1 Bank Ln, Addison, IL, 60007
15 Year Fixed Rate
5.75%
5.98%
View
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
123 W Elm St, Athens, IL, 62613
Conforming 15 Year Fixed Rate
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
100 Mill St, La Salle, IL, 61301
15-year fixed rate
15 years
5.88%
6.06%
View
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Marriott Dr, Burr Ridge, IL, 60015
15-year fixed
6.00%
6.24%
View
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
1811 Eastland Dr, Bloomington, IL, 61704
15 Year Fixed
15 Year
6.00%
6.32%
View
▼
Rate6.00%
APR6.32%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
1811 Eastland Dr, Bloomington, IL, 61704
15 Year Fixed Mortgage Loan
15 Year
6.00%
6.32%
View
▼
Rate6.00%
APR6.32%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
106 E Main St, Effingham, IL, 62401
15 Year Fixed
6.12%
6.32%
View
▼
Rate6.12%
APR6.32%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL, 62401
15-year Fixed
6.25%
6.45%
View
▼
Rate6.25%
APR6.45%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
101 N Columbia Ave, La Salle, IL, 61301
15 Year Fixed Rate
15 Years
6.38%
6.54%
View
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 13, 2026
Details

As Low As

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
1811 Eastland Dr, Bloomington, IL, 61704
15 year Fixed Second Mortgages
15
8.67%
8.93%
View
▼
Rate8.67%
APR8.93%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
1811 Eastland Dr, Bloomington, IL, 61704
FIXED-RATE SECOND MORTGAGES 15 year Fixed
15
8.67%
8.93%
View
▼
Rate8.67%
APR8.93%
Points0.000
UpdatedMar 16, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
4053 State Route 159, Smithton, IL, 62285
3 Year ARM
6.00%
6.52%
View
▼
Rate6.00%
APR6.52%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
4053 State Route 159, Smithton, IL, 62285
5 Year ARM
6.25%
6.61%
View
▼
Rate6.25%
APR6.61%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
4053 State Route 159, Smithton, IL, 62285
7 Year ARM
6.75%
6.75%
View
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL, 60661
3/1 ARM
4.50%
4.61%
View
▼
Rate4.50%
APR4.61%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL, 60661
5/1 ARM
4.75%
4.86%
View
▼
Rate4.75%
APR4.86%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
3005 7th St, Moline, IL, 61265 5925
5/1 Adjustable Rate Mortgage
15, 20 or 30 Years
5.25%
5.54%
View
▼
Rate5.25%
APR5.54%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Milan, IL, 61074
5 Year ARM*
5 Year
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Milan, IL, 61074
7 Year ARM*
7 Year
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
3005 7th St, Moline, IL, 61265 5925
10/1 Adjustable Rate Mortgage
15, 20 or 30 Years
5.50%
5.60%
View
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL, 60661
7/1 ARM
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1959 W Grand Ave, Chicago, IL, 60607
Adjustable Rate Mortgage Loan
3 years
5.38%
5.62%
View
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1959 W Grand Ave, Chicago, IL, 60607
Adjustable Rate Mortgage Loan
5 years
5.50%
5.63%
View
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
7/1 ARM - 15 Year Term
5.38%
5.69%
View
▼
Rate5.38%
APR5.69%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
5/1 ARM - 15 Year Term
5.25%
5.74%
View
▼
Rate5.25%
APR5.74%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1959 W Grand Ave, Chicago, IL, 60607
Adjustable Rate Mortgage Loan
7 years
5.75%
5.74%
View
▼
Rate5.75%
APR5.74%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1959 W Grand Ave, Chicago, IL, 60607
Adjustable Rate Mortgage Loan
10 years
5.88%
5.84%
View
▼
Rate5.88%
APR5.84%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Lebanon, IL, 62254
15 Year Fixed Rate/ 10-Year Amort
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13 Collinsville Ave, East Saint Louis, IL, 62201
15/15 ARM
5.75%
5.92%
View
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
7/1 ARM - 30 Year Term
5.62%
5.96%
View
▼
Rate5.62%
APR5.96%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
7/1 ARM - 30 Year Term Jumbo Mortgages
5.62%
5.96%
View
▼
Rate5.62%
APR5.96%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
10/1 ARM - 30 Year Term Jumbo Mortgages
5.75%
5.97%
View
▼
Rate5.75%
APR5.97%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
5/1 ARM - 30 Year Term
5.50%
5.98%
View
▼
Rate5.50%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
5/1 ARM - 30 Year Term Jumbo Mortgages
5.50%
5.98%
View
▼
Rate5.50%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13 Collinsville Ave, East Saint Louis, IL, 62201
7/1 ARM
5.50%
5.99%
View
▼
Rate5.50%
APR5.99%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL, 60050
Jumbo Adjustable-Rate Mortgages 5/1
5/1
5.75%
6.00%
View
▼
Rate5.75%
APR6.00%
Points0.000
UpdatedMar 20, 2026
Details

As Low As

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1112 S Roselle Rd, Algonquin, IL, 60056
1-4 Units, Adjustable Rate
5 years
5.38%
6.04%
View
▼
Rate5.38%
APR6.04%
Points0.000
UpdatedMar 21, 2026
Details

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

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL, 60050
Adjustable-Rate Mortgages 5/1
5/1
5.75%
6.08%
View
▼
Rate5.75%
APR6.08%
Points0.000
UpdatedMar 20, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
5/1 ARM
5.62%
6.14%
View
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Jumbo 5/1 ARM
5.75%
6.15%
View
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1112 S Roselle Rd, Algonquin, IL, 60056
1-4 Family Properties, Adjustable Rate
1 year
7.00%
6.15%
View
▼
Rate7.00%
APR6.15%
Points0.000
UpdatedMar 21, 2026
Details

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

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
3/1 ARM
5.50%
6.17%
View
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Bannockburn, IL, 60014
5/1 Year ARM
5.12%
6.17%
View
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details

As Low As

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL, 61108
7/3 Adjustable-Rate (ARMs)
5.62%
6.17%
View
▼
Rate5.62%
APR6.17%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1112 S Roselle Rd, Algonquin, IL, 60056
1-4 Units, Adjustable Rate
3 years
5.38%
6.17%
View
▼
Rate5.38%
APR6.17%
Points0.000
UpdatedMar 21, 2026
Details

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

Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL, 61108
5/3 Adjustable-Rate (ARMs)
5.38%
6.19%
View
▼
Rate5.38%
APR6.19%
Points0.000
UpdatedMar 18, 2026
Details

As Low As

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
View
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details

No additional details available.

Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
4801 W Belmont Ave, Chicago, IL, 60641
5/1 ARM Special
5.69%
6.21%
View
▼
Rate5.69%
APR6.21%
Points0.000
UpdatedMar 18, 2026
Details

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

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1112 S Roselle Rd, Algonquin, IL, 60056
1-4 Family Properties, Adjustable Rate
5 years
5.38%
6.21%
View
▼
Rate5.38%
APR6.21%
Points0.000
UpdatedMar 21, 2026
Details

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

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Jumbo 3/1 ARM
5.63%
6.21%
View
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
View
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details

No additional details available.

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL, 60050
5 Year ARM Jumbo
5.75%
6.21%
View
▼
Rate5.75%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL, 60050
5 -Year Adjustable Rate Service Retained
5.75%
6.25%
View
▼
Rate5.75%
APR6.25%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Canton, IL, 60022
7/6-Month ARM
5.88%
6.27%
View
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
7/1 ARM
6.12%
6.27%
View
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Jumbo 7/1 ARM
6.13%
6.27%
View
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1112 S Roselle Rd, Algonquin, IL, 60056
1-4 Family Properties, Adjustable Rate
3 years
5.38%
6.28%
View
▼
Rate5.38%
APR6.28%
Points0.000
UpdatedMar 21, 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%
1112 S Roselle Rd, Algonquin, IL, 60056
1-4 Family Properties, Adjustable Rate
7 years
5.88%
6.28%
View
▼
Rate5.88%
APR6.28%
Points0.000
UpdatedMar 21, 2026
Details

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

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
View
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1112 S Roselle Rd, Algonquin, IL, 60056
5-8 Units, Adjustable Rate
5 years
5.75%
6.29%
View
▼
Rate5.75%
APR6.29%
Points0.000
UpdatedMar 21, 2026
Details

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

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL, 60050
Construction 5/1 Adjustable Rate Service Retained
5.75%
6.31%
View
▼
Rate5.75%
APR6.31%
Points0.000
UpdatedMar 20, 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%
10395 W Lincoln Hwy, Calumet City, IL, 60409
Jumbo Single Family Mortgages (Loans - Purchases
15 Years
5.25%
5.31%
View
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 20, 2026
Details

$832,750+

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10395 W Lincoln Hwy, Calumet City, IL, 60409
Jumbo Single Family Mortgages (Loans - Refinances
15 Years
5.25%
5.31%
View
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 20, 2026
Details

$832,750+

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL, 60050
Jumbo Fixed-Rate Mortgages 15 Year
15 Year
5.38%
5.57%
View
▼
Rate5.38%
APR5.57%
Points1.000
UpdatedMar 20, 2026
Details

As Low As

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
15 Year - Fixed Rate Jumbo Mortgages
5.50%
5.66%
View
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL, 60050
Jumbo Fixed-Rate Mortgages 15 Year
15 Year
5.62%
5.66%
View
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMar 20, 2026
Details

As Low As

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10395 W Lincoln Hwy, Calumet City, IL, 60409
Jumbo Single Family Mortgages (Loans - Purchases
30 Years
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 20, 2026
Details

$832,750+

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10395 W Lincoln Hwy, Calumet City, IL, 60409
Jumbo Single Family Mortgages (Loans - Refinances
30 Years
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 20, 2026
Details

$832,750+

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL, 60050
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points1.000
UpdatedMar 20, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
Jumbo 15-Year
15
5.88%
6.07%
View
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
101 W Division St, Algonquin, IL, 60050
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.12%
6.15%
View
▼
Rate6.12%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details

As Low As

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
30 Year - Fixed Rate Jumbo Mortgages
6.12%
6.22%
View
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, IL, 61520
20 Year - Fixed Rate Jumbo Mortgages
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Bannockburn, IL, 60014
Jumbo 30 Year Fixed
30
6.12%
6.26%
View
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details

As Low As

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1075 Tri State Pkwy Ste 850, Arlington Heights, IL, 60004
30-Yr JUMBO Fixed
6.38%
6.39%
View
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1 Bank Ln, Addison, IL, 60007
Jumbo 30 Year Fixed
6.38%
6.40%
View
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Jumbo loans 15-year
15-year
6.25%
6.49%
View
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
Jumbo 30-Year
30
6.38%
6.49%
View
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Jumbo loans 20-year
20-year
6.38%
6.58%
View
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Jumbo loans 30-year
30-year
6.50%
6.65%
View
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details

No additional details available.

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1075 Tri State Pkwy Ste 850, Arlington Heights, IL, 60004
30-Yr JUMBO Refi
6.75%
6.76%
View
▼
Rate6.75%
APR6.76%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1075 Tri State Pkwy Ste 850, Arlington Heights, IL, 60004
30-Yr FHA
5.99%
6.61%
View
▼
Rate5.99%
APR6.61%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Marriott Dr, Burr Ridge, IL, 60015
30-year fixed FHA
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
View
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1 Junction Dr W, Alton, IL, 60014
30 Year FHA
6.00%
6.85%
View
▼
Rate6.00%
APR6.85%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL, 60505 1511
30 Year Fixed FHA
30
5.49%
6.91%
View
▼
Rate5.49%
APR6.91%
Points0.000
UpdatedMar 13, 2026
Details

FHA Assumptions: Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP) as required by FHA, results in higher APR, 45-day rate lock.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Canton, IL, 60022
30-Year Fixed-Rate VA
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL, 60505 1511
30 Year Fixed VA
30
5.62%
5.99%
View
▼
Rate5.62%
APR5.99%
Points0.000
UpdatedMar 13, 2026
Details

VA Assumptions: Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee as required by VA, first-time use, regular military, 45-day rate lock.

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1 Bank Ln, Addison, IL, 60007
Federal VA 30 Year Fixed Rate
5.99%
6.32%
View
▼
Rate5.99%
APR6.32%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Airport Plz, Addison, IL, 60007
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
View
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Marriott Dr, Burr Ridge, IL, 60015
30-year fixed VA
6.12%
6.69%
View
▼
Rate6.12%
APR6.69%
Points0.000
UpdatedMar 17, 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.

Mortgage Calculators

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Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Smithton, 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 Smithton, 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 Smithton, Illinois

How does my credit score affect my rate in Illinois?

Your credit score is a major factor. Generally, borrowers in Smithton, 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 Smithton, 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 Smithton, 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 Smithton, 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 Smithton, 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 Smithton, Illinois?

  • Chicago Patrolmens Federal Credit Union: 5.50% (30-Year Fixed Mortgage)
  • PNB of Kewanee: 5.56% (30 Year Fixed Mortgages)
  • Eureka Savings Bank: 5.75% (30 Year Fixed Rate)
  • Dupaco Community Credit Union: 5.88% (Purchase: 30-Year Fixed Conventional)
  • MembersAlliance Credit Union: 5.50% (30 Year Fixed Rate)
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: March 21, 2026

Smithton, Illinois Rates & Resources

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