Lowest closing cost mortgage lenders in Coles County County, Illinois
In Coles County, Illinois, homebuyers paid a median of $2,751 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 295 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, ZIPPY LOANS, LLC offered the lowest median costs at $1,734, which is $554 less than the county median.
Homebuyers in Coles County County who chose ZIPPY LOANS, LLC paid $1,017 less in closing costs than the county median.
County Median Costs
$2,751
−54.9% vs Illinois ($6,096)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$995
Purchase Originations
295
vs Illinois Median
54.9% below
$-3,345
vs National Median
59.2% below
$-3,990
Lender rankings in Coles 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 | $1,734 | 8.000% | $1,318 | 12 | −$554 | |
| 2 | $1,871 | 6.500% | $501 | 23 | −$417 | |
| 3 | $2,130 | 6.375% | $650 | 60 | −$158 | |
| 4 | $2,841 | 6.875% | $995 | 14 | +$553 | |
| 5 | $2,962 | 6.990% | $1,369 | 11 | +$674 |
Includes lenders with 10+ purchase originations in Coles 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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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.