Lowest closing cost mortgage lenders in Stephenson County County, Illinois
In Stephenson County, Illinois, homebuyers paid a median of $3,692 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 275 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, GREENSTATE Credit Union offered the lowest median costs at $3,070, which is $465 less than the county median.
Homebuyers in Stephenson County County who chose GREENSTATE Credit Union paid $622 less in closing costs than the county median.
County Median Costs
$3,692
−39.4% vs Illinois ($6,096)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,320
Purchase Originations
275
vs Illinois Median
39.4% below
$-2,404
vs National Median
45.2% below
$-3,049
Lender rankings in Stephenson County County
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,070 | 6.875% | $725 | 55 | −$465 | |
| 2 | $3,621 | 6.500% | $1,395 | 24 | +$86 | |
| 3 | $5,412 | 6.500% | $2,807 | 11 | +$1,877 |
Includes lenders with 10+ purchase originations in Stephenson 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.