Mortgage Loans in Chicago, IL

Looking for the best new home loan rates in Chicago, IL? Compare offers from trusted local lenders who understand the Chicago market and can help you find a mortgage that fits your budget and lifestyle.

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PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
penfed
Conv
6.625 %
6.8 %
30 Yrs
∞
togethercu
Conv
6.625 - 7.125 %
6.947 - 7.372 %
30 Yrs
∞
dcu
Conv
6.75 - 7.375 %
6.792 - 7.496 %
10 - 30 Yrs
∞
firsttechfed
Conv
6.75 - 7.375 %
6.852 - 7.559 %
10 - 30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-20

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers a 30-year Conventional Fixed at 6.625% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year Conventional Refinance Fixed is at 6.75%, also up 13 bp from last week and 50 bp from a month ago. The 30-year FHA Fixed rate is 6.125%, rising 13 bp since last week and 38 bp over the past month. The 30-year VA Fixed is steady today at 6.125%, with a 38 bp increase from a month ago. Jumbo 30-year Fixed loans are at 6.625%, up 25 bp from last week and 38 bp from a month ago.

Together shows a 30-year Conventional Fixed rate today at 7.125%, up 25 bp from last week and 38 bp from a month ago. The 15-year Conventional Fixed rate is not listed for today. The Jumbo 30-year Fixed rate matches the Conventional at 7.125%, also up 25 bp from last week and 163 bp from a month ago. The Adjustable 5-year rate is not quoted for today. Digital shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, up 38 bp from last week and 50 bp from 30 days ago. The 15-year conventional refinance rate is 6.625%, up 13 bp from last week and 50 bp from 30 days ago. The 30-year conventional refinance rate holds steady at 7.375%, up 38 bp from 30 days ago. Jumbo 30-year fixed is 7.25% today, up 50 bp from 30 days ago.

First Technology shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.

🏦 Local Lenders in Chicago, IL

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✅DISTRICT 123 FEDERAL CREDIT UNION
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✅SOUTH SIDE COMMUNITY FEDERAL CREDIT UNION
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✅C T A F C FEDERAL CREDIT UNION
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✅CHICAGO POST OFFICE EMPLOYEES CREDIT UNION
✅MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION
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✅FOR MEMBERS ONLY FEDERAL CREDIT UNION
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✅SHILOH ENGLEWOOD FEDERAL CREDIT UNION
✅UNIFIED HOMEOWNERS OF ILLINOIS FEDERAL CREDIT UNION
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✅ST GREGORY PARISH CREDIT UNION
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✅CHICAGO AVENUE GARAGE FEDERAL CREDIT UNION
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✅COMMUNITY 7256 CREDIT UNION
✅ACTORS FEDERAL CREDIT UNION
✅CHICAGO AREA OFFICE FEDERAL CREDIT UNION
✅CHICAGO MUNICIPAL EMPLOYEES CREDIT UNION
✅ALLIANT CREDIT UNION
✅SOUTH SHOP FEDERAL CREDIT UNION
✅BURLINGTON NORTHERN SANTA FE RAILWY CREDIT UNION
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