Homebuyers in Monroe County County who chose First National Bank of Waterloo paid $1,281 less in closing costs than the county median.
County Median Costs
$3,507
−43.9% vs Illinois ($6,250)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,300
Purchase Originations
327
Denial Rate
4.9%
vs Illinois avg (7.5%)
vs Illinois Median
43.9% below
$-2,743
vs National Median
47.5% below
$-3,173
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,226 | 6.625% | $600 | 45 | −$1,084 | |
| 2 | $2,304 | 6.750% | $395 | 11 | −$1,006 | |
| 3 | $2,981 | 6.750% | $695 | 10 | −$329 | |
| 4 | $3,592 | 6.875% | $1,400 | 36 | +$282 | |
| 5 | $4,095 | 6.625% | $1,656 | 20 | +$785 |
Includes lenders with 10+ purchase originations in Monroe County County. Source: HMDA 2025. 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 2025, 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.