What are the average closing costs in Champaign County County?

In Champaign County County, the median total loan costs on purchase mortgages were $3,019 in 2024, based on 1,317 originations.

Which lender has the lowest closing costs in Champaign County County?

Among lenders with 10+ originations in Champaign County County, First Mid Bank & Trust, National Association had the lowest median total closing costs at $2,002 in 2024.

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

Champaign County County closing costs (median $3,019) are 50.5% below the Illinois state median of $6,096.

Lowest closing cost mortgage lenders in Champaign County County, Illinois

In Champaign County, Illinois, homebuyers paid a median of $3,019 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 1,317 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, First Mid Bank & Trust, National Association offered the lowest median costs at $2,002, which is $732 less than the county median.

Homebuyers in Champaign County County who chose First Mid Bank & Trust, National Association paid $1,017 less in closing costs than the county median.

County Median Costs

$3,019

−50.5% vs Illinois ($6,096)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$1,085

Purchase Originations

1,317

vs Illinois Median

50.5% below

$-3,077

vs National Median

55.2% below

$-3,722

Lender rankings in Champaign County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	First Mid Bank & Trust, National Association	$2,002	6.375%	$650	17	−$732
2	University of Illinois Community Credit Union	$2,010	6.500%	$712	90	−$724
3	Morton Community Bank	$2,337	6.875%	$695	16	−$397
4	Busey Bank	$2,433	6.625%	$900	168	−$301
5	FLAT BRANCH MORTGAGE, INC.	$2,573	6.625%	$995	140	−$161
6	PRIMELENDING, A PLAINSCAPITAL COMPANY	$2,686	6.990%	$1,085	70	−$48
7	Heartland Bank And Trust Company	$2,821	6.575%	$700	11	+$87
8	First Financial Bank, National Association	$2,990	6.812%	$1,260	12	+$256
9	NEW AMERICAN FUNDING, LLC	$3,035	6.990%	$1,022	152	+$301
10	JPMorgan Chase Bank, National Association	$3,094	6.375%	$1,240	30	+$360
11	POINT MORTGAGE CORPORATION	$3,134	6.625%	$1,395	23	+$400
12	A & N MORTGAGE SERVICES, INC.	$3,210	6.562%	$1,570	12	+$476
13	UNITED WHOLESALE MORTGAGE, LLC	$3,261	6.999%	$1,796	17	+$527
14	FIRST STATE MORTGAGE SERVICES, LLC	$3,295	6.625%	$1,788	13	+$561
15	PNC Bank, National Association	$3,308	6.812%	$1,747	12	+$574
16	Midland States Bank	$3,591	6.750%	$1,585	43	+$857
17	ROCKET MORTGAGE, LLC	$5,439	6.500%	$3,350	26	+$2,705
18	AMERICAN PACIFIC MORTGAGE CORPORATION	$6,269	6.875%	$3,965	13	+$3,535

Includes lenders with 10+ purchase originations in Champaign 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.