Compare Today’s Mortgage Rates for Smithton, Illinois

Pureloan searches major banks and mortgage lenders finding the best mortgage rates in Smithton, Illinois 62285. Pureloan also provides a listing of the best mortgage brokers in your area and a detailed analysis of your future home loan payments. For a 30-year fixed loan, you may expect to have lifetime cash savings of $7,250 or $20 / month in Smithton and other areas of Saint Clair county.

Our search engine explores all home mortgage options in Smithton, Illinois 62285, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Mortgage Terms in Smithton, Illinois 62285

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Smithton, IL 62285, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.

Historical Mortgage Rates for Smithton, Illinois 62285 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Smithton, Illinois and around Saint Clair county to help you understand trends for your home purchase process. This data is produced from actual closed loans.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed mortgage 86.59% 77.92% 85.23% 84.19% 82.72% 82.42% 87.91% 90.30%
avg mortgage rate 5.03% 4.76% 3.93% 4.00% 4.47% 4.07% 3.89% 4.16%
% 15 year fixed mortgage 10.11% 16.40% 11.38% 13.03% 13.60% 11.62% 9.85% 8.44%
avg mortgage rate 4.38% 3.87% 3.30% 3.25% 3.51% 3.23% 3.16% 3.31%
Avg credit score 761.58 764.96 762.31 759.34 758.67 757.27 754.84 793.88
Avg LTV (loan to value) 77.04% 77.87% 79.26% 81.73% 83.15% 83.72% 83.99% 82.79%
Avg DTI (debt to income) 31.71 32.29 30.78 31.62 32.26 32.38 32.60 34.39
% First time homebuyer 36.26% 27.76% 28.00% 29.49% 27.57% 29.83% 25.52% 16.88%
Avg mortgage insurance % 5.09% 6.08% 9.20% 11.57% 11.63% 14.35% 13.90% 13.27%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Smithton, Illinois 62285

If you’re looking to buy a new home in Smithton, we have compiled a list of the leading mortgage brokers around Smithton, Illinois 62285 to help you with your search.

Name
Address
Contact

Guaranteed Rate

101 N Main St

Smithton IL 62285

(618) 624-1000

http://www.guaranteedrate.com/

Quick Cash

632 N Market St

Waterloo IL 62285

(618) 939-9797

admin@waterlooquickcash.com

World Finance

913 N Illinois Route 3

Waterloo IL 62285

(618) 939-0220

http://www.worldacceptance.com/

Check 'n Go

917 N Illinois Route 3

Waterloo IL 62285

(618) 939-1881

http://www.checkngo.com/

American Mortgage Corporation

111 S Main St

Troy IL 62285

(618) 667-0693

Address

101 N Main St

Smithton IL

Contact

(618) 624-1000

http://www.guaranteedrate.com/

Address

632 N Market St

Waterloo IL

Contact

(618) 939-9797

admin@waterlooquickcash.com

Address

913 N Illinois Route 3

Waterloo IL

Contact

(618) 939-0220

http://www.worldacceptance.com/

News on Mortgages and Reverse Mortgages for Smithton, Illinois 62285