Mortgage lender closing cost rankings in Illinois (2024)
In Illinois, homebuyers paid a median of $6,096 in total closing costs on purchase mortgages in 2024, which is below the national median of $6,741. The median interest rate was 6.75% across 100,966 purchase originations. The most active lender was GUARANTEED RATE, INC. with 6,538 originations. The lowest-cost lender (with 50+ loans) was CITIZENS EQUITY FIRST CREDIT UNION at $988.
Median Total Costs
$6,096
−9.6% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,640
Purchase Originations
100,966
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 79,181 | 6.750% | $5,916 |
| fha | 14,640 | 6.750% | $10,770 |
| va | 6,243 | 6.500% | $5,557 |
| usda | 902 | 6.625% | $4,312 |
Lowest closing cost lenders in Illinois
Ranked by median total loan costs among lenders with 50+ purchase originations in Illinois.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $988 | 6.500% | $0 | 983 | −$5,108 | |
| 2 | $1,361 | 5.990% | $500 | 59 | −$4,735 | |
| 3 | $1,804 | 6.500% | $620 | 69 | −$4,292 | |
| 4 | $1,814 | 6.375% | $630 | 59 | −$4,282 | |
| 5 | $1,826 | 6.375% | $615 | 79 | −$4,270 | |
| 6 | $1,906 | 8.000% | $1,368 | 97 | −$4,190 | |
| 7 | $1,913 | 6.500% | $501 | 112 | −$4,183 | |
| 8 | $1,937 | 6.500% | $780 | 77 | −$4,159 | |
| 9 | $2,019 | 6.500% | $725 | 117 | −$4,077 | |
| 10 | $2,054 | 6.575% | $467 | 317 | −$4,042 | |
| 11 | $2,054 | 6.500% | $495 | 486 | −$4,042 | |
| 12 | $2,065 | 6.500% | $675 | 63 | −$4,031 | |
| 13 | $2,113 | 6.250% | $675 | 251 | −$3,983 | |
| 14 | $2,127 | 6.500% | $0 | 581 | −$3,969 | |
| 15 | $2,143 | 6.625% | $500 | 87 | −$3,953 | |
| 16 | $2,156 | 6.500% | $490 | 144 | −$3,940 | |
| 17 | $2,197 | 6.375% | $585 | 114 | −$3,899 | |
| 18 | $2,207 | 7.125% | $675 | 82 | −$3,889 | |
| 19 | $2,237 | 6.875% | $695 | 361 | −$3,859 | |
| 20 | $2,245 | 7.000% | $750 | 92 | −$3,851 | |
| 21 | $2,289 | 6.875% | $650 | 499 | −$3,807 | |
| 22 | $2,311 | 6.375% | $650 | 84 | −$3,785 | |
| 23 | $2,330 | 6.625% | $725 | 189 | −$3,766 | |
| 24 | $2,356 | 6.750% | $750 | 284 | −$3,740 | |
| 25 | $2,399 | 7.000% | $910 | 129 | −$3,697 |
Includes lenders with 50+ purchase originations in Illinois. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Cook County
38,312 originations
DuPage County
7,608 originations
Will County
7,167 originations
Lake County
5,949 originations
Kane County
5,284 originations
McHenry County
3,723 originations
Madison County
2,580 originations
St. Clair County
2,510 originations
Winnebago County
2,347 originations
Sangamon County
1,809 originations
Kendall County
1,781 originations
Peoria County
1,707 originations
McLean County
1,687 originations
Champaign County
1,317 originations
Tazewell County
1,307 originations
Rock Island County
1,205 originations
DeKalb County
920 originations
Kankakee County
734 originations
Macon County
720 originations
LaSalle County
708 originations
Grundy County
504 originations
Williamson County
492 originations
Boone County
467 originations
Adams County
390 originations
Knox County
371 originations
Macoupin County
346 originations
Ogle County
336 originations
Vermilion County
330 originations
Henry County
322 originations
Monroe County
321 originations
Coles County
295 originations
Stephenson County
275 originations
Woodford County
269 originations
Whiteside County
259 originations
Logan County
257 originations
Livingston County
247 originations
Clinton County
246 originations
Jackson County
228 originations
Marion County
223 originations
Fulton County
219 originations
Jefferson County
203 originations
Christian County
196 originations
Morgan County
196 originations
Franklin County
194 originations
Bureau County
192 originations
Jersey County
184 originations
Lee County
183 originations
McDonough County
165 originations
Montgomery County
148 originations
Piatt County
146 originations
Iroquois County
145 originations
Effingham County
143 originations
Saline County
138 originations
Randolph County
132 originations
Jo Daviess County
118 originations
Mercer County
114 originations
Ford County
111 originations
De Witt County
107 originations
Douglas County
104 originations
Marshall County
102 originations
Hancock County
101 originations
See Illinois closing cost details, fee benchmarks, and county comparisons → Illinois Closing Costs Guide
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.