What are the average closing costs in Adams County County?

In Adams County County, the median total loan costs on purchase mortgages were $3,083 in 2024, based on 390 originations.

How do closing costs in Adams County County compare to Illinois?

Adams County County closing costs (median $3,083) are 49.4% below the Illinois state median of $6,096.

Lowest closing cost mortgage lenders in Adams County County, Illinois

In Adams County, Illinois, homebuyers paid a median of $3,083 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 390 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, First Bankers Trust Company, National Association offered the lowest median costs at $1,907, which is $182 less than the county median.

Homebuyers in Adams County County who chose First Bankers Trust Company, National Association paid $1,176 less in closing costs than the county median.

County Median Costs

$3,083

−49.4% vs Illinois ($6,096)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$848

Purchase Originations

390

vs Illinois Median

49.4% below

$-3,013

vs National Median

54.3% below

$-3,658

Lender rankings in Adams County County

6 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	First Bankers Trust Company, National Association	$1,907	6.500%	$780	48	−$182
2	United Community Bank	$1,941	6.500%	$495	65	−$148
3	HomeBank	$2,222	6.562%	$550	24	+$133
4	CROSSCOUNTRY MORTGAGE, LLC	$3,578	7.125%	$1,590	11	+$1,489
5	FLAT BRANCH MORTGAGE, INC.	$3,872	6.750%	$2,006	14	+$1,783

Includes lenders with 10+ purchase originations in Adams County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Illinois → Lender Directory

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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.