Lowest closing cost mortgage lenders in Effingham County County, Illinois
In Effingham County, Illinois, homebuyers paid a median of $3,786 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 143 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Petefish, Skiles & Co. offered the lowest median costs at $2,430, which is $478 less than the county median.
Homebuyers in Effingham County County who chose Petefish, Skiles & Co. paid $1,356 less in closing costs than the county median.
County Median Costs
$3,786
−37.9% vs Illinois ($6,096)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,443
Purchase Originations
143
vs Illinois Median
37.9% below
$-2,310
vs National Median
43.8% below
$-2,955
Lender rankings in Effingham County County
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,430 | 6.625% | $978 | 15 | −$478 | |
| 2 | $3,571 | 6.875% | $1,780 | 10 | +$663 |
Includes lenders with 10+ purchase originations in Effingham 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
Found your lender? Make sure their quote is fair.
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.