30-year Refinance in Chicago

[Jack Taylor]

I have a 740-760 credit score (depending on agency and financial movements), and am looking to do a refi on a condo as my primary residence in Chicago. The 2 mortgage companies I've spoken with are only giving me a 4.125% rate. Seems high for right now, even for a 30-year, with just ok service fees ($3K-4K). Am I getting robbed here? Trying to get out of my PMI payments.