What are the average closing costs in McLean County County?

In McLean County County, the median total loan costs on purchase mortgages were $3,340 in 2024, based on 1,687 originations.

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

Among lenders with 10+ originations in McLean County County, CITIZENS EQUITY FIRST CREDIT UNION had the lowest median total closing costs at $1,190 in 2024.

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

McLean County County closing costs (median $3,340) are 45.2% below the Illinois state median of $6,096.

Lowest closing cost mortgage lenders in McLean County County, Illinois

In McLean County, Illinois, homebuyers paid a median of $3,340 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 1,687 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, CITIZENS EQUITY FIRST CREDIT UNION offered the lowest median costs at $1,190, which is $1,918 less than the county median.

Homebuyers in McLean County County who chose CITIZENS EQUITY FIRST CREDIT UNION paid $2,150 less in closing costs than the county median.

County Median Costs

$3,340

−45.2% vs Illinois ($6,096)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,440

Purchase Originations

1,687

vs Illinois Median

45.2% below

$-2,756

vs National Median

50.5% below

$-3,401

Lender rankings in McLean County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	CITIZENS EQUITY FIRST CREDIT UNION	$1,190	6.500%	$0	82	−$1,918
2	Prairie State Bank and Trust	$2,185	6.812%	$501	12	−$923
3	Heartland Bank And Trust Company	$2,205	6.575%	$700	28	−$903
4	ILLINOIS STATE CREDIT UNION	$2,218	6.375%	$650	47	−$890
5	Flanagan State Bank	$2,300	7.188%	$395	24	−$808
6	Morton Community Bank	$2,480	6.875%	$695	45	−$628
7	IAA Credit Union	$2,545	6.500%	$600	37	−$563
8	INB, National Association	$2,570	6.562%	$619	22	−$538
9	BANK OF PONTIAC	$2,621	7.125%	$675	16	−$487
10	Busey Bank	$2,636	6.688%	$900	32	−$472
11	PNC Bank, National Association	$2,813	6.500%	$1,073	51	−$295
12	U.S. Bank National Association	$2,902	6.625%	$995	28	−$206
13	FLAT BRANCH MORTGAGE, INC.	$2,917	6.875%	$995	18	−$191
14	JPMorgan Chase Bank, National Association	$2,945	6.495%	$1,646	30	−$163
15	FIRST STATE MORTGAGE SERVICES, LLC	$3,380	6.625%	$1,812	489	+$272
16	GUILD MORTGAGE COMPANY LLC	$3,417	6.875%	$1,428	27	+$309
17	PROVIDENT FUNDING ASSOCIATES, L.P.	$3,577	6.500%	$1,125	14	+$469
18	Wells Fargo Bank, National Association	$3,852	6.500%	$1,413	11	+$744
19	POINT MORTGAGE CORPORATION	$3,940	6.250%	$1,697	40	+$832
20	COMPASS MORTGAGE, INC.	$4,095	6.875%	$1,624	66	+$987
21	AMERICAN PACIFIC MORTGAGE CORPORATION	$4,267	7.058%	$2,590	16	+$1,159
22	UNITED WHOLESALE MORTGAGE, LLC	$4,597	6.562%	$2,520	28	+$1,489
23	ROCKET MORTGAGE, LLC	$4,837	6.625%	$3,045	39	+$1,729
24	Ixonia Bank	$5,346	6.995%	$3,185	24	+$2,238

Includes lenders with 10+ purchase originations in McLean 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.