Grade A · 0% of disclosures flagged for junk fees
Mortgage Broker · Illinois · NMLS #1598647
Avg Closing Costs
$6,132
median across reports
vs. National Average
81%
above national avg
Avg Origination Charge
$3,145
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,490 | $2,242 | 🔺 High |
| Title Insurance | $3,264 | $3,111 | 🟡 Average |
| Origination Fee | $3,145 | $1,584 | 🔺 High |
| Underwriting Fee | $1,545 | $1,473 | 🟡 Average |
| Appraisal | $1,100 | $1,081 | 🟡 Average |
| lender_credits | $1,080 | $428 | 🔺 High |
| Settlement/Closing Fee | $988 | $986 | 🟡 Average |
| Processing Fee | $816 | $790 | 🟡 Average |
| Title Search | $409 | $392 | 🟡 Average |
| Recording Fee | $352 | $344 | 🟡 Average |
| Rate Lock Fee | $328 | $376 | 🟢 Below Avg |
| Document Preparation | $173 | $147 | 🔴 Above Avg |
| Tax Service Fee | $133 | $128 | 🟡 Average |
| Wire Transfer Fee | $71 | $69 | 🟡 Average |
| Credit Report | $70 | $69 | 🟡 Average |
| Courier/Delivery | $60 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🟡 Average |
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Based on 13,318 homebuyer-submitted Closing Disclosures, Guaranteed Rate Affinity's median total closing costs are $6,132. This is about 81% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Illinois
State-specific benchmarks for Illinois.
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Aggregates from Guaranteed Rate Affinity, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
11,067
Ranked #35 nationally
Median Total Costs
$6,270
−6.1% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,640
Median Lender Credits
$140
Cost Rank (500+ vol.)
#304
among lenders with 500+ originations
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,937 | 6.575% | $5,933 | $1,640 |
| fha | 1,124 | 6.375% | $12,080 | $2,138 |
| va | 984 | 6.175% | $6,324 | $0 |
| usda | 22 | 6.037% | $6,968 | $1,640 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 955 | 6.500% | $7,418 | #51 |
| Pennsylvania | 949 | 6.525% | $7,199 | #22 |
| California | 927 | 6.550% | $7,593 | #42 |
| Texas | 825 | 6.375% | $4,826 | #78 |
| New Jersey | 805 | 6.550% | $6,478 | #20 |
| Illinois | 611 | 6.700% | $6,528 | #36 |
| Massachusetts | 582 | 6.500% | $5,821 | #17 |
| Minnesota | 530 | 6.600% | $5,777 | #28 |
| Missouri | 487 | 6.550% | $4,875 | #23 |
| Ohio | 471 | 6.625% | $4,906 | #58 |
| Georgia | 413 | 6.525% | $7,640 | #56 |
| Maryland | 382 | 6.575% | $5,781 | #36 |
| Colorado | 348 | 6.250% | $6,020 | #45 |
| Connecticut | 348 | 6.625% | $5,866 | #17 |
| Arizona | 326 | 6.513% | $5,810 | #55 |
| New York | 309 | 6.490% | $6,820 | #64 |
| Virginia | 296 | 6.350% | $6,236 | #61 |
| South Carolina | 285 | 6.500% | $5,993 | #59 |
| Wisconsin | 181 | 6.625% | $3,556 | #61 |
| North Carolina | 176 | 6.500% | $4,875 | #113 |
| Utah | 97 | 6.500% | $7,225 | #57 |
| Washington | 93 | 6.375% | $6,046 | #114 |
| Rhode Island | 84 | 6.500% | $7,558 | #31 |
| Kentucky | 76 | 6.612% | $5,242 | #96 |
| New Hampshire | 62 | 6.588% | $4,554 | #44 |
| Michigan | 52 | 6.500% | $2,425 | #149 |
| Indiana | 47 | 6.575% | $3,749 | — |
| Delaware | 44 | 6.625% | $5,550 | — |
| Alabama | 36 | 6.188% | $3,125 | — |
| District of Columbia | 34 | 6.500% | $8,002 | — |
| Tennessee | 34 | 6.375% | $1,383 | — |
| Louisiana | 24 | 6.475% | $0 | — |
| West Virginia | 24 | 6.500% | $4,950 | — |
| Oregon | 21 | 6.500% | $8,681 | — |
| Oklahoma | 17 | 6.450% | $1,456 | — |
| Maine | 16 | 6.487% | $5,351 | — |
| Kansas | 15 | 6.450% | $1,138 | — |
| New Mexico | 14 | 6.175% | $2,049 | — |
| Iowa | 12 | 6.362% | $70 | — |
| Arkansas | 11 | 6.125% | $895 | — |
| Mississippi | 10 | 5.990% | $1,114 | — |
| North Dakota | 7 | 6.375% | $974 | — |
| Nevada | 7 | 6.625% | $4,609 | — |
| Idaho | 5 | 5.950% | $5,117 | — |
| Nebraska | 5 | 5.950% | $547 | — |
| Hawaii | 4 | 6.338% | $5,039 | — |
| Wyoming | 3 | 6.625% | $653 | — |
| Montana | 2 | 6.375% | $4,182 | — |
| South Dakota | 2 | 5.975% | $5,350 | — |
| Vermont | 2 | 6.245% | $7,342 | — |
| Alaska | 1 | 6.375% | $6,913 | — |
| This lender | Florida median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,418 | $8,663 | $6,680 |
| Interest Rate | 6.500% | 6.380% | 6.490% |
| Originations in state | 955 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Guaranteed Rate Affinity, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $6,270 | $7,127 | −$857 (−12.0%) |