Grade A · 0% of disclosures flagged for junk fees
Mortgage Company · Illinois · NMLS #2611
Avg Closing Costs
$6,354
median across reports
vs. National Average
95%
above national avg
Avg Origination Charge
$3,105
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,452 | $2,207 | 🔺 High |
| Title Insurance | $3,174 | $3,301 | 🟡 Average |
| Origination Fee | $3,105 | $1,587 | 🔺 High |
| lender_credits | $1,331 | $393 | 🔺 High |
| Underwriting Fee | $1,171 | $1,512 | 🟢 Below Avg |
| Appraisal | $852 | $1,096 | 🟢 Below Avg |
| Settlement/Closing Fee | $773 | $1,008 | 🟢 Below Avg |
| Processing Fee | $621 | $822 | 🟢 Below Avg |
| Rate Lock Fee | $370 | $370 | 🟡 Average |
| Title Search | $306 | $400 | 🟢 Below Avg |
| Recording Fee | $271 | $353 | 🟢 Below Avg |
| Document Preparation | $158 | $154 | 🟡 Average |
| Tax Service Fee | $102 | $133 | 🟢 Below Avg |
| Credit Report | $55 | $70 | 🟢 Below Avg |
| Wire Transfer Fee | $54 | $70 | 🟢 Below Avg |
| Courier/Delivery | $46 | $60 | 🟢 Below Avg |
| Flood Certification | $19 | $24 | 🟢 Below Avg |
Got a Loan Estimate from Guaranteed Rate? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 54,758 homebuyer-submitted Closing Disclosures, Guaranteed Rate's median total closing costs are $6,354. This is about 95% above the $3,254 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.
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Average Closing Costs by State
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Closing Costs in Illinois
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Federal data snapshot (2025)
In 2025, Guaranteed Rate, Inc. originated 42,234 purchase loans with median closing costs of $6,605.
See 2025 HMDA market data for Guaranteed Rate, Inc. →Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.