Homebuyers in Winnebago County County who chose MembersAlliance Credit Union paid $1,165 less in closing costs than the county median.
County Median Costs
$3,900
−37.6% vs Illinois ($6,250)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,196
Purchase Originations
2,420
Denial Rate
6.0%
vs Illinois avg (7.5%)
vs Illinois Median
37.6% below
$-2,350
vs National Median
41.6% below
$-2,780
28 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,735 | 5.500% | $195 | 51 | −$833 | |
| 2 | $2,918 | 6.500% | $650 | 11 | −$650 | |
| 3 | $2,964 | 6.750% | $0 | 11 | −$604 | |
| 4 | $3,023 | 6.500% | $550 | 56 | −$545 | |
| 5 | $3,143 | 6.375% | $900 | 34 | −$425 | |
| 6 | $3,201 | 6.875% | $958 | 18 | −$367 | |
| 7 | $3,225 | 6.375% | $695 | 13 | −$343 | |
| 8 | $3,237 | 6.490% | $755 | 76 | −$331 | |
| 9 | $3,256 | 6.500% | $725 | 360 | −$312 | |
| 10 | $3,265 | 6.625% | $878 | 132 | −$303 | |
| 11 | $3,371 | 6.562% | $1,000 | 204 | −$197 | |
| 12 | $3,535 | 6.875% | $975 | 46 | −$33 | |
| 13 | $3,570 | 6.875% | $275 | 21 | +$2 | |
| 14 | $3,766 | 6.625% | $1,245 | 42 | +$198 | |
| 15 | $4,035 | 6.625% | $1,179 | 32 | +$467 | |
| 16 | $4,098 | 6.312% | $1,125 | 14 | +$530 | |
| 17 | $4,105 | 6.750% | $1,505 | 14 | +$537 | |
| 18 | $4,344 | 6.875% | $1,700 | 111 | +$776 | |
| 19 | $4,398 | 6.763% | $1,640 | 12 | +$830 | |
| 20 | $4,887 | 6.875% | $2,426 | 37 | +$1,319 | |
| 21 | $5,173 | 6.990% | $2,587 | 80 | +$1,605 | |
| 22 | $5,178 | 6.625% | $2,250 | 41 | +$1,610 | |
| 23 | $5,210 | 6.875% | $2,743 | 58 | +$1,642 | |
| 24 | $5,222 | 6.625% | $2,450 | 13 | +$1,654 | |
| 25 | $5,391 | 6.558% | $2,675 | 10 | +$1,823 |
Includes lenders with 10+ purchase originations in Winnebago 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.