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30-Year Fixed Conforming Mortgage Refinance

Quincy, Illinois 30-Year Fixed Mortgage Refinance Rates 2025

Compare Illinois 30-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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Quincy, Illinois 30-Year Fixed Conforming Mortgage Refinance

December 18, 2025
Average: 6.78% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Refi.com NMLS ID: 1907	Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance 30 Yr Fixed		$0	Learn More
Gateway Capital Mortgage NMLS ID: 246585	5.751% 30 Yr Fixed	5.625% Fees & Points $4,435 Total 1.000 Pts: $3,200 $1,235 Fees	$1,843	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.768% 30 Yr Fixed	5.625% Fees & Points $5,038 Total 0.951 Pts: $3,043 $1,995 Fees	$1,843	Learn More See Table View
ProVisor, Inc. NMLS ID: 1802853	5.862% 30 Yr Fixed	5.750% Fees & Points $4,016 Total 0.883 Pts: $2,826 $1,190 Fees	$1,868	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.871% 30 Yr Fixed	5.750% Fees & Points $4,243 Total 0.736 Pts: $2,355 $1,888 Fees	$1,868	Learn More See Table View
RockBottom Mortgage LLC NMLS ID: 1141327 License#: MB.6761020	5.933% 30 Yr Fixed	5.875% Fees & Points $2,000 Total 0.625 Pts: $2,000 $0 Fees	$1,893	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: MB.6761206	5.954% 30 Yr Fixed	5.875% Fees & Points $2,746 Total 0.858 Pts: $2,746 $0 Fees	$1,893	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.989% 30 Yr Fixed	5.875% Fees & Points $3,942 Total 0.796 Pts: $2,547 $1,395 Fees	$1,893	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	6.035% 30 Yr Fixed	5.990% Fees & Points $1,549 Total 0.484 Pts: $1,549 $0 Fees	$1,917	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	6.068% 30 Yr Fixed	5.990% Fees & Points $2,678 Total 0.837 Pts: $2,678 $0 Fees	$1,917	Learn More See Table View
Better.com NMLS ID: 330511	6.079% 30 Yr Fixed	6.000% Fees & Points $2,720 Total 0.539 Pts: $1,725 $995 Fees	$1,919	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.163% 30 Yr Fixed	6.000% Fees & Points $5,600 Total 0.750 Pts: $2,400 $3,200 Fees	$1,919	Learn More See Table View
Refi.com NMLS ID: 1907 License#: Illinois	6.178% 30 Yr Fixed	6.125% Fees & Points $1,802 Total 0.563 Pts: $1,802 $0 Fees	$1,945	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.225% 30 Yr Fixed	6.125% Fees & Points $3,426 Total 0.852 Pts: $2,726 $700 Fees	$1,945	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.331% 30 Yr Fixed	6.240% Fees & Points $3,094 Total 0.967 Pts: $3,094 $0 Fees	$1,969	Learn More See Table View
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 30 Yr Fixed			Learn More
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 30 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 30 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Southern Bank Updated 11/23/2022	6.12%	6.12% 0.00 points $0.00 fees	$1,943.32	Learn MoreShow Less See Table View
United Community Bank Updated 12/12/2025	6.17%	6.92% 0.00 points $0.00 fees	$2,112.23	Learn MoreShow Less See Table View
First Community Credit Union Updated 10/04/2024 Restrictions	6.40%	7.03% 0.00 points $2,102.00 fees	$2,135.85	Learn MoreShow Less See Table View
Midland States Bank Updated 06/15/2022	7.19%	7.13% 0.00 points $1,200.00 fees	$2,156.98	Learn MoreShow Less See Table View
First Mid Bank & Trust, National Association Updated 06/15/2022	7.29%	7.25% 0.00 points $1,923.00 fees	$2,182.96	Learn MoreShow Less See Table View
First Farmers Bank & Trust Co. Updated 05/26/2023	7.10%	7.35% 0.00 points $1,502.00 fees	$2,204.71	Learn MoreShow Less See Table View
Citizens Equity First Credit Union Updated 06/15/2022 Restrictions	7.51%	7.50% 0.00 points $2,936.00 fees	$2,237.49	Learn MoreShow Less See Table View
Old Second National Bank Updated 06/15/2022	7.83%	7.75% 0.00 points $2,304.00 fees	$2,292.52	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Quincy, Illinois 30-Year Fixed Mortgage Refinance Rates 2025

Quincy, Illinois 30-Year Fixed Conforming Mortgage Refinance

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