Lowest closing cost mortgage lenders in St. Clair County County, Illinois
In St. Clair County, Illinois, homebuyers paid a median of $3,665 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 2,510 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $90, which is $2,736 less than the county median.
Homebuyers in St. Clair County County who chose Bank of America, National Association paid $3,575 less in closing costs than the county median.
County Median Costs
$3,665
−39.9% vs Illinois ($6,096)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,305
Purchase Originations
2,510
vs Illinois Median
39.9% below
$-2,431
vs National Median
45.6% below
$-3,076
Lender rankings in St. Clair County County
35 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $90 | 6.250% | $0 | 22 | −$2,736 | |
| 2 | $1,684 | 6.250% | $0 | 19 | −$1,142 | |
| 3 | $1,785 | 6.500% | $620 | 23 | −$1,041 | |
| 4 | $1,831 | 6.500% | $495 | 13 | −$995 | |
| 5 | $2,020 | 6.500% | $0 | 11 | −$806 | |
| 6 | $2,031 | 6.875% | $467 | 12 | −$795 | |
| 7 | $2,092 | 7.475% | $538 | 120 | −$734 | |
| 8 | $2,126 | 6.990% | $537 | 10 | −$700 | |
| 9 | $2,218 | 6.500% | $695 | 87 | −$608 | |
| 10 | $2,264 | 8.000% | $1,776 | 26 | −$562 | |
| 11 | $2,285 | 6.375% | $775 | 14 | −$541 | |
| 12 | $2,312 | 6.375% | $1,000 | 10 | −$514 | |
| 13 | $2,339 | 6.625% | $850 | 28 | −$487 | |
| 14 | $2,393 | 6.750% | $895 | 12 | −$433 | |
| 15 | $2,469 | 6.500% | $970 | 39 | −$357 | |
| 16 | $2,541 | 6.875% | $1,001 | 20 | −$285 | |
| 17 | $2,873 | 6.875% | $1,458 | 61 | +$47 | |
| 18 | $2,917 | 7.250% | $1,300 | 22 | +$91 | |
| 19 | $2,973 | 6.875% | $1,252 | 109 | +$147 | |
| 20 | $3,027 | 6.875% | $1,170 | 16 | +$201 | |
| 21 | $3,135 | 6.990% | $1,470 | 24 | +$309 | |
| 22 | $3,144 | 6.750% | $1,524 | 30 | +$318 | |
| 23 | $3,306 | 6.999% | $1,676 | 66 | +$480 | |
| 24 | $3,354 | 6.950% | $1,640 | 61 | +$528 | |
| 25 | $3,432 | 7.125% | $1,595 | 23 | +$606 | |
| 26 | $3,670 | 7.000% | $1,993 | 45 | +$844 | |
| 27 | $3,773 | 6.562% | $1,824 | 24 | +$947 | |
| 28 | $4,231 | 6.875% | $2,496 | 10 | +$1,405 | |
| 29 | $4,742 | 6.562% | $3,082 | 34 | +$1,916 |
Includes lenders with 10+ purchase originations in St. Clair 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.