Mortgage Rates Chicago

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“It is hopeless for the occasional visitor to try to keep up with Chicago. She outgrows his prophecies faster than he can make them.” – Mark Twain, 1883

Chicago was only 46 years old when Mark Twain wrote those words, but it had already grown more than 100-fold, from a small trading post at the mouth of the Chicago River into one of the nation’s largest cities, and it wasn’t about to stop. Over the next 20 years, it would quadruple in population, amazing the rest of the world with its ability to repeatedly reinvent itself.

And it still hasn’t stopped. Today, Chicago has become a global city, a thriving center of international trade and commerce, and a place where people of every nationality come to pursue the American dream.

Early Chicago


Chicago’s first permanent resident was a trader named Jean Baptiste Point du Sable, a free black man apparently from Haiti, who came here in the late 1770s. In 1795, the U.S. government built Fort Dearborn at what is now the corner of Michigan Avenue and Wacker Drive (look for the bronze markers in the pavement). It was burned to the ground by Native Americans in 1812, rebuilt and demolished in 1857.

A Trading Center

Incorporated as a city in 1837, Chicago was ideally situated to take advantage of the trading possibilities created by the nation’s westward expansion. The completion of the Illinois & Michigan Canal in 1848 created a water link between the Great Lakes and the Mississippi River, but the canal was soon rendered obsolete by railroads. Today, 50 percent of U.S. rail freight continues to pass through Chicago, even as the city has become the nation’s busiest aviation center, thanks to O’Hare and Midway International airports.

The Great Fire of 1871

As Chicago grew, its residents took heroic measures to keep pace. In the 1850s, they raised many of the streets five to eight feet to install a sewer system – and then raised the buildings, as well. Unfortunately, the buildings, streets and sidewalks were made of wood, and most of them burned to the ground in the Great Chicago Fire of 1871. The Chicago Fire Department training academy at 558 W. DeKoven St. is on the site of the O’Leary property where the fire began. The Chicago Water Tower and Pumping Station at Michigan and Chicago avenues are among the few buildings to have survived the fire.

“The White City”

Chicago rebuilt quickly. Much of the debris was dumped into Lake Michigan as landfill, forming the underpinnings for what is now Grant Park, Millennium Park and the Art Institute of Chicago. Only 22 years later, Chicago celebrated its comeback by holding the World’s Columbian Exposition of 1893, with its memorable “White City.” One of the Exposition buildings was rebuilt to become the Museum of Science and Industry. Chicago refused to be discouraged even by the Great Depression. In 1933 and 1934, the city held an equally successful Century of Progress Exposition on Northerly Island.

Hull House

In the half-century following the Great Fire, waves of immigrants came to Chicago to take jobs in the factories and meatpacking plants. Many poor workers and their families found help in settlement houses operated by Jane Addams and her followers. Her Hull House Museum is located at 800 S. Halsted St.

Chicago Firsts

Throughout their city’s history, Chicagoans have demonstrated their ingenuity in matters large and small:

  • The nation’s first skyscraper, the 10-story, steel-framed Home Insurance Building, was built in 1884 at LaSalle and Adams streets and demolished in 1931.
  • When residents were threatened by waterborne illnesses from sewage flowing into Lake Michigan, they reversed the Chicago River in 1900 to make it flow toward the Mississippi.
  • Start of the “Historic Route 66” which begins at Grant Park on Adams Street in the front of the Art Institute of Chicago.
  • Chicago was the birthplace of:
    • the refrigerated rail car (Swift)
    • mail-order retailing (Sears and Montgomery Ward)
    • the car radio (Motorola)
    • the TV remote control (Zenith)
  • The first self-sustaining nuclear chain reaction, ushering in the Atomic Age, took place at the University of Chicago in 1942. The spot is marked by a Henry Moore sculpture on Ellis Avenue between 56th and 57th streets.
  • The 1,450-foot Sears Tower, completed in 1974, is the tallest building in North America and the third tallest in the world.

Our sole female mayor, Jane M. Byrne, served from 1979 to 1983, and was succeeded by our first African-American mayor, Harold Washington, who served until his death in 1987. The longest-serving mayor, Richard J. Daley (1955-1976), presided over a public and private building boom that strengthened both downtown and the city’s neighborhoods. His son, Richard M. Daley, mayor from 1989 to 2011, reformed education and public housing, strengthened community policing and oversaw the construction of billions of dollars worth of schools, libraries, police stations and infrastructure, as well as the renovation of Soldier Field and creation of Millennium Park.  Mayor Daley was also known for spearheading many environmental initiatives in his quest to make Chicago the ‘Greenest City in America’.  Chicago’s current mayor, Rahm Emanuel, was inaugurated in a ceremony at MIllennium Park in May of 2011.

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