Lowest closing cost mortgage lenders in Winnebago County County, Illinois
In Winnebago County, Illinois, homebuyers paid a median of $4,023 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 2,347 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, First Community CU of Beloit offered the lowest median costs at $2,433, which is $1,181 less than the county median.
Homebuyers in Winnebago County County who chose First Community CU of Beloit paid $1,590 less in closing costs than the county median.
County Median Costs
$4,023
−34.0% vs Illinois ($6,096)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,280
Purchase Originations
2,347
vs Illinois Median
34.0% below
$-2,073
vs National Median
40.3% below
$-2,718
Lender rankings in Winnebago County County
31 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,433 | 6.500% | $595 | 16 | −$1,181 | |
| 2 | $2,625 | 6.125% | $195 | 30 | −$989 | |
| 3 | $2,874 | 6.500% | $640 | 11 | −$740 | |
| 4 | $2,997 | 6.375% | $550 | 46 | −$617 | |
| 5 | $3,004 | 6.375% | $425 | 12 | −$610 | |
| 6 | $3,137 | 6.500% | $595 | 11 | −$477 | |
| 7 | $3,169 | 6.625% | $878 | 69 | −$445 | |
| 8 | $3,187 | 6.562% | $812 | 26 | −$427 | |
| 9 | $3,217 | 6.930% | $275 | 28 | −$397 | |
| 10 | $3,234 | 7.062% | $958 | 26 | −$380 | |
| 11 | $3,238 | 6.625% | $725 | 311 | −$376 | |
| 12 | $3,327 | 6.625% | $1,095 | 201 | −$287 | |
| 13 | $3,333 | 6.990% | $875 | 51 | −$281 | |
| 14 | $3,427 | 6.875% | $995 | 55 | −$187 | |
| 15 | $3,524 | 6.875% | $979 | 19 | −$90 | |
| 16 | $3,585 | 6.490% | $1,339 | 72 | −$29 | |
| 17 | $3,791 | 7.125% | $1,228 | 32 | +$177 | |
| 18 | $3,892 | 6.750% | $1,395 | 57 | +$278 | |
| 19 | $4,286 | 6.775% | $1,640 | 14 | +$672 | |
| 20 | $4,347 | 6.990% | $1,498 | 76 | +$733 | |
| 21 | $4,461 | 7.125% | $1,404 | 14 | +$847 | |
| 22 | $4,872 | 6.999% | $2,360 | 43 | +$1,258 | |
| 23 | $5,138 | 7.062% | $3,257 | 10 | +$1,524 | |
| 24 | $5,313 | 6.995% | $2,914 | 50 | +$1,699 | |
| 25 | $5,439 | 6.500% | $2,675 | 11 | +$1,825 | |
| 26 | $5,468 | 7.000% | $2,881 | 98 | +$1,854 | |
| 27 | $5,729 | 7.125% | $2,539 | 20 | +$2,115 | |
| 28 | $5,752 | 6.990% | $3,200 | 11 | +$2,138 | |
| 29 | $5,781 | 6.990% | $3,079 | 32 | +$2,167 | |
| 30 | $5,872 | 6.625% | $4,008 | 53 | +$2,258 |
Includes lenders with 10+ purchase originations in Winnebago 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.