Mortgage lenders in Cook County
81,303 mortgages were made in Cook County, Illinois, in 2025, by 812 lenders. The median rate their borrowers got was 6.750% on a median loan of $255,000. Of 113,603 decisions, 27,713 were denials — 24.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 5,271 | 6.625% | $305,000 | 8.4% |
| JPMorgan Chase Bank, National Association | 5,040 | 6.375% | $305,000 | 12.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,805 | 6.624% | $285,000 | 16.8% |
| Rocket Mortgage, LLC | 3,955 | 6.750% | $215,000 | 24.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 2,880 | 6.750% | $315,000 | 6.3% |
| The Huntington National Bank | 2,711 | 6.875% | $205,000 | 38.2% |
| Loandepot.Com, LLC | 2,097 | 6.750% | $225,000 | 20.5% |
| Fairway Independent Mortgage Corporation | 1,776 | 6.875% | $255,000 | 8.6% |
| Fifth Third Bank, National Association | 1,726 | 7.250% | $155,000 | 44.5% |
| U.S. Bank National Association | 1,631 | 6.990% | $215,000 | 49.8% |
| Bank of America, National Association | 1,621 | 5.990% | $205,000 | 44.0% |
| BMO Bank National Association | 1,583 | 8.230% | $155,000 | 43.2% |
| Barrington Bank & Trust Company, National Association | 1,424 | 6.625% | $315,000 | 9.0% |
| PNC Bank, National Association | 1,299 | 6.990% | $115,000 | 36.1% |
| OriginPoint, LLC | 1,227 | 6.625% | $405,000 | 4.1% |
| A & N MORTGAGE SERVICES, INC. | 997 | 6.625% | $365,000 | 0.0% |
| Old National Bank | 993 | 6.250% | $185,000 | 31.4% |
| GREENSTATE Credit Union | 948 | 6.625% | $265,000 | 13.0% |
| UNION HOME MORTGAGE CORP. | 921 | 6.625% | $345,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 877 | 6.499% | $305,000 | 22.5% |
| Citibank, National Association | 874 | 6.250% | $335,000 | 23.7% |
| First American Bank | 862 | 7.033% | $105,000 | 37.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 844 | 6.750% | $305,000 | 10.6% |
| Broker Solutions, Inc. | 840 | 6.875% | $305,000 | 17.0% |
| Loan Funder LLC | 778 | 8.010% | $215,000 | 14.6% |
| NEWREZ LLC | 751 | 6.750% | $245,000 | 42.1% |
| THE LOAN STORE, INC. | 728 | 6.875% | $245,000 | 10.3% |
| NATIONSTAR MORTGAGE LLC | 691 | 7.490% | $115,000 | 20.1% |
| GUILD MORTGAGE COMPANY | 613 | 6.625% | $255,000 | 12.0% |
| KEY MORTGAGE SERVICES, INC. | 606 | 6.750% | $325,000 | 5.9% |
| GUARANTEED RATE AFFINITY, LLC | 561 | 6.625% | $315,000 | 11.3% |
| 254900O723MCLR701H50 | 539 | 0.000% | $15,000 | 64.6% |
| CONSUMERS COOPERATIVE CREDIT UNION | 521 | 6.000% | $105,000 | 7.4% |
| Mortgage Research Center, LLC | 516 | 6.250% | $315,000 | 30.3% |
| TOWNE MORTGAGE COMPANY | 509 | 6.625% | $275,000 | 3.0% |
| Navy Federal Credit Union | 499 | 7.650% | $155,000 | 49.2% |
| Coastal Community Bank | 449 | 10.490% | $55,000 | 4.9% |
| FIGURE LENDING LLC | 439 | 8.900% | $65,000 | 27.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 418 | 9.990% | $315,000 | 0.5% |
| Associated Bank, National Association | 408 | 6.625% | $245,000 | 30.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 406 | 6.750% | $315,000 | 19.6% |
| The Federal Savings Bank | 403 | 6.750% | $295,000 | 14.1% |
| FREEDOM MORTGAGE CORPORATION | 400 | 6.250% | $275,000 | 20.5% |
| Marquette Bank | 388 | 6.125% | $125,000 | 12.2% |
| RESICENTRAL, LLC | 364 | 6.625% | $315,000 | 8.0% |
| Wells Fargo Bank, National Association | 355 | 6.375% | $325,000 | 21.5% |
| ALLIANT CREDIT UNION | 354 | 7.688% | $190,000 | 43.6% |
| MOVEMENT MORTGAGE, LLC | 353 | 6.750% | $265,000 | 8.1% |
| LEADERONE FINANCIAL CORPORATION | 344 | 6.750% | $315,000 | 12.4% |
| SPRING EQ, LLC | 332 | 9.875% | $75,000 | 66.9% |
| LOWER, LLC | 316 | 6.750% | $325,000 | 19.0% |
| OCMBC, INC. | 312 | 7.499% | $275,000 | 17.7% |
| AmeriSave Mortgage Corporation | 280 | 8.438% | $95,000 | 76.5% |
| Prosperity Home Mortgage, LLC | 278 | 6.625% | $345,000 | 5.1% |
| UNITED HOME LOANS, INC. | 276 | 6.625% | $395,000 | 3.5% |
| A&D Mortgage LLC | 270 | 6.625% | $305,000 | 13.2% |
| BPL MORTGAGE TRUST, LLC | 249 | 8.125% | $195,000 | 19.6% |
| MLD MORTGAGE INC. | 248 | 6.625% | $295,000 | 2.2% |
| BAY EQUITY LLC | 248 | 6.875% | $295,000 | 3.5% |
| Wintrust Bank, National Association | 243 | Not published | $745,000 | 3.2% |
| KIND LENDING, LLC | 241 | 6.875% | $295,000 | 30.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 240 | 7.690% | $135,000 | 22.6% |
| Morgan Stanley Private Bank, National Association | 238 | 6.050% | $600,000 | 2.0% |
| COMPASS MORTGAGE, INC. | 234 | 6.625% | $290,000 | 4.5% |
| Ixonia Bank | 233 | 6.875% | $225,000 | 9.2% |
| Kiavi Funding, Inc. | 227 | 9.950% | $205,000 | 15.7% |
| BETTER MORTGAGE CORPORATION | 224 | 8.000% | $175,000 | 49.7% |
| CREDIT UNION 1 | 218 | 6.750% | $75,000 | 45.3% |
| SELECT LENDING SERVICES LLC | 216 | 6.750% | $425,000 | 1.7% |
| Third Federal Savings and Loan Association of Cleveland | 215 | 6.990% | $105,000 | 39.1% |
| Citizens Bank, National Association | 208 | 7.373% | $205,000 | 38.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 206 | 10.240% | $205,000 | 0.0% |
| Lendage, LLC | 206 | 11.250% | $65,000 | 18.7% |
| SUMMIT FUNDING, INC. | 199 | 6.875% | $385,000 | 2.9% |
| Baxter Credit Union | 197 | 7.000% | $165,000 | 21.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 194 | 6.750% | $255,000 | 12.5% |
| Waterman State Bank | 193 | Not published | $375,000 | 5.7% |
| NFM, INC. | 187 | 6.875% | $425,000 | 1.6% |
| T2 FINANCIAL LLC | 185 | 6.625% | $365,000 | 6.1% |
| CIBC Bank USA | 184 | 6.250% | $265,000 | 14.4% |
| Old Second National Bank | 181 | 6.875% | $195,000 | 11.6% |
| Gold Coast Bank | 178 | Not published | $455,000 | 2.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 173 | 6.625% | $295,000 | 17.1% |
| ZILLOW HOME LOANS, LLC | 173 | 6.625% | $255,000 | 8.7% |
| Busey Bank | 165 | 7.250% | $195,000 | 17.5% |
| NUMARK CREDIT UNION | 163 | 7.063% | $115,000 | 23.8% |
| POLISH & SLAVIC | 161 | Not published | $195,000 | 21.5% |
| Discover Bank | 159 | 8.950% | $65,000 | 78.4% |
| PLAZA HOME MORTGAGE, INC. | 159 | 6.750% | $285,000 | 32.1% |
| CHAMPIONS FUNDING, LLC | 153 | 7.750% | $255,000 | 25.0% |
| NexBank | 147 | 6.875% | $335,000 | 15.3% |
| PROPER RATE, LLC | 144 | 6.875% | $370,000 | 4.4% |
| LAKEVIEW LOAN SERVICING, LLC | 134 | 6.625% | $260,000 | 68.4% |
| Charles Schwab Bank, SSB | 133 | 5.625% | $705,000 | 6.9% |
| PACOR MORTGAGE CORP. | 132 | 6.750% | $285,000 | 2.2% |
| SELFRELIANCE FEDERAL CREDIT UNION | 130 | Not published | $290,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 127 | 6.625% | $175,000 | 62.2% |
| AMWEST FUNDING CORP. | 127 | 6.875% | $245,000 | 8.6% |
| GUIDANCE RESIDENTIAL, LLC | 122 | 6.688% | $340,000 | 7.2% |
| HOMEXPRESS MORTGAGE CORP. | 120 | 7.500% | $235,000 | 43.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 120 | 6.750% | $290,000 | 16.6% |
| DHI MORTGAGE COMPANY, LTD. | 120 | 5.875% | $365,000 | 15.4% |
| Equity Prime Mortgage LLC | 119 | 6.750% | $245,000 | 20.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 119 | 6.875% | $265,000 | 20.7% |
| DEEPHAVEN MORTGAGE LLC | 118 | 7.500% | $240,000 | 38.1% |
| SUCCESS LENDING, LLC | 118 | 6.500% | $250,000 | 17.4% |
| 254900CTT87ZKAUTIJ37 | 115 | 10.250% | $205,000 | 20.4% |
| Liberty Bank for Savings | 113 | 6.250% | $465,000 | 12.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 113 | 10.470% | $105,000 | 24.3% |
| PHH Mortgage Corporation | 109 | 6.500% | $295,000 | 22.9% |
| NEXERA HOLDING LLC | 106 | 7.500% | $290,000 | 13.1% |
| Citadel Servicing Corporation | 105 | 7.875% | $275,000 | 3.0% |
| PENTAGON FEDERAL CREDIT UNION | 104 | 7.688% | $130,000 | 49.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 103 | 6.375% | $425,000 | 18.8% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 102 | 6.625% | $200,000 | 14.3% |
| CMG MORTGAGE, INC. | 101 | 6.750% | $345,000 | 14.9% |
| THE ANDERSON FINANCIAL GROUP, INC. | 101 | 6.375% | $305,000 | 0.9% |
| JMAC LENDING, INC. | 99 | 6.625% | $315,000 | 4.8% |
| First National Bank of America | 98 | 8.813% | $190,000 | 18.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 98 | 7.000% | $255,000 | 11.6% |
| NBKC BANK | 95 | 6.375% | $435,000 | 25.9% |
| First National Bank of Brookfield | 93 | Not published | $655,000 | 2.1% |
| Nations Lending Corporation | 92 | 6.813% | $290,000 | 12.0% |
| POINT MORTGAGE CORPORATION | 89 | 6.625% | $305,000 | 3.2% |
| Republic Bank of Chicago | 89 | Not published | $135,000 | 1.0% |
| Northbrook Bank and Trust Company, National Association | 87 | Not published | $925,000 | 0.0% |
| Great Lakes Credit Union | 86 | 8.500% | $80,000 | 54.0% |
| Evergreen Bank Group | 86 | Not published | $120,000 | 20.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 85 | 6.000% | $415,000 | 14.0% |
| Hinsdale Bank & Trust Company | 85 | Not published | $775,000 | 4.5% |
| Homeland Mortgage Company | 84 | 6.375% | $395,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 83 | 7.000% | $225,000 | 5.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 6.625% | $255,000 | 9.3% |
| Hometown Equity Mortgage, LLC | 82 | 7.563% | $270,000 | 47.2% |
| NATIONS DIRECT MORTGAGE, LLC | 81 | 6.875% | $295,000 | 10.0% |
| PANORAMA MORTGAGE GROUP, LLC | 80 | 6.750% | $210,000 | 4.8% |
| Self-Help Federal Credit Union | 80 | 8.375% | $235,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 78 | 6.990% | $275,000 | 9.2% |
| Devon Bank | 78 | Not published | $235,000 | 3.7% |
| PLANET HOME LENDING, LLC | 77 | 6.250% | $275,000 | 23.6% |
| International Bank of Chicago | 77 | Not published | $295,000 | 8.2% |
| NEW WAVE LENDING GROUP INC | 74 | 6.875% | $310,000 | 0.0% |
| FIRST EAGLE BANCSHARES, INC. | 73 | Not published | $855,000 | 1.3% |
| Flagstar Bank, N.A. | 72 | 6.710% | $245,000 | 43.1% |
| Peoples Bank | 72 | 6.990% | $180,000 | 22.3% |
| CIBM Bank | 70 | 6.500% | $305,000 | 9.0% |
| HealthCare Associates Credit Union | 69 | Not published | $65,000 | 42.2% |
| Heartland Bank and Trust Company | 69 | 7.750% | $185,000 | 11.1% |
| Emporium TPO LLC | 67 | 7.375% | $225,000 | 9.0% |
| Waterstone Mortgage Corporation | 66 | 6.625% | $320,000 | 8.2% |
| UBS Bank USA | 66 | 6.000% | $740,000 | 9.6% |
| CROWN MORTGAGE COMPANY | 66 | 6.625% | $235,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 65 | 6.625% | $245,000 | 2.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 64 | 5.990% | $305,000 | 34.3% |
| FIRST NORTHERN Credit Union | 64 | 7.290% | $90,000 | 20.7% |
| Lakeside Bank | 63 | Not published | $660,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 62 | 6.688% | $315,000 | 10.1% |
| Luminate Bank | 61 | 6.990% | $215,000 | 6.2% |
| Ameris Bank | 61 | 6.500% | $335,000 | 6.0% |
| CNB Bank And Trust, N.A. | 61 | 7.200% | $355,000 | 6.0% |
| QUORUM FEDERAL CREDIT UNION | 60 | 8.500% | $150,000 | 37.0% |
| Abbott Laboratories Employees Credit Union | 60 | Not published | $225,000 | 6.3% |
| LENDSURE MORTGAGE CORP. | 59 | 7.875% | $235,000 | 3.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 59 | 6.625% | $285,000 | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 59 | 7.749% | $185,000 | 11.8% |
| Bethpage Federal Credit Union | 58 | 6.500% | $200,000 | 50.8% |
| USAA Federal Savings Bank | 56 | 6.375% | $295,000 | 49.1% |
| Click n' Close, Inc. | 56 | 6.688% | $215,000 | 17.1% |
| UIF CORPORATION | 56 | 6.933% | $345,000 | 20.8% |
| North Shore Trust and Savings | 55 | Not published | $295,000 | 12.3% |
| Cornerstone First Mortgage, Inc | 55 | 6.875% | $235,000 | 17.7% |
| Tomo Mortgage, LLC | 53 | 6.375% | $385,000 | 28.4% |
| AMERICAN HERITAGE LENDING, LLC | 53 | 7.500% | $215,000 | 15.2% |
| MEMBER FIRST MORTGAGE, LLC | 53 | 6.000% | $355,000 | 23.1% |
| DOMINION FINANCIAL SERVICES, LLC | 53 | 11.000% | $185,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 52 | 6.500% | $160,000 | 14.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 52 | 6.688% | $300,000 | 3.5% |
| Providence Bank & Trust | 52 | 6.875% | $425,000 | 12.5% |
| Community Savings Bank | 52 | Not published | $330,000 | 3.5% |
| NMSI, INC. | 52 | 6.875% | $380,000 | 0.0% |
| LENDINGONE, LLC | 51 | 7.600% | $175,000 | 70.4% |
| Valon Mortgage, Inc. | 50 | 8.925% | $55,000 | 20.0% |
| FNBC Bank & Trust | 50 | Not published | $510,000 | 5.5% |
| Zippy Loans, LLC | 49 | 8.000% | $45,000 | 64.5% |
| First National Bank of Omaha | 49 | 2.990% | $125,000 | 38.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 49 | 7.000% | $395,000 | 10.2% |
| Goldman Sachs Bank USA | 49 | 5.700% | $1,485,000 | 10.7% |
| National Police Federal Credit Union effective | 49 | Not published | $265,000 | 14.0% |
| USALLIANCE FEDERAL CREDIT UNION | 49 | 8.000% | $245,000 | 3.9% |
| Hoyne Savings Bank | 49 | Not published | $245,000 | 0.0% |
| Stifel Bank and Trust | 48 | 6.000% | $545,000 | 2.0% |
| Village Bank and Trust, National Association | 48 | Not published | $505,000 | 2.0% |
| Cornerstone National Bank & Trust Company | 48 | 6.500% | $540,000 | 2.0% |
| American Commercial Bank & Trust, National Association | 48 | 6.650% | $255,000 | 0.0% |
| American Airlines Federal Credit Union | 46 | 7.250% | $155,000 | 36.0% |
| Sierra Pacific Mortgage Company, Inc. | 46 | 6.750% | $320,000 | 11.5% |
| Beverly Bank & Trust Company, N.A. | 46 | Not published | $390,000 | 16.1% |
| Itasca Bank & Trust Co. | 45 | Not published | $835,000 | 6.3% |
| STOCKTON MORTGAGE CORPORATION | 44 | 6.625% | $375,000 | 18.5% |
| COVANTAGE CREDIT UNION | 44 | 6.750% | $210,000 | 11.8% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 612 lenders each made 44 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cook County
1,120 FDIC-insured branches from 90 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
40 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- AMG National Trust Bank, 180 N La Salle St, Chicago
- BankFinancial, National Association, 1005 W Wise Rd, Schaumburg
- BankFinancial, National Association, 1333 W 127th St, Calumet Park
- BankFinancial, National Association, 1354 E 55th St, Chicago
- BankFinancial, National Association, 1368 Shermer Rd, Northbrook
- BankFinancial, National Association, 1901 Sibley Blvd, Calumet City
- BankFinancial, National Association, 21110 Western Ave, Olympia Fields
- BankFinancial, National Association, 2424 N Clark St, Chicago
- BankFinancial, National Association, 2743 Flossmoor Rd, Flossmoor
- BankFinancial, National Association, 3443 W Touhy Ave, Lincolnwood
- BankFinancial, National Association, 48 Orland Square Dr, Orland Park
- BankFinancial, National Association, 6415 95th St, Chicago Ridge
- CIBC Bank USA, 1000 Green Bay Rd, Winnetka
- CIBC Bank USA, 10515 S Cicero Ave, Oak Lawn
- CIBC Bank USA, 11850 S Harlem Ave, Palos Heights
- CIBC Bank USA, 1255 Green Bay Rd, Wilmette
- CIBC Bank USA, 14497 John Humphrey Dr, Orland Park
- CIBC Bank USA, 17865 80th Ave, Tinley Park,
- CIBC Bank USA, 3040 W. 111th Street, Chicago
- CNB Bank and Trust, N.A., 12727 S Ridgeland Ave, Palos Heights
- CNB Bank and Trust, N.A., 5459 159th St, Oak Forest
- CNB Bank and Trust, N.A., 9400 179th St, Tinley Park
- Citibank, National Association, 2503 W Cermak Road, Chicago
- Evergreen Bank Group, 3842 W 95th St, Evergreen Park
- Fifth Third Bank, National Association, 3604 N Southport Ave, Chicago
- Fifth Third Bank, National Association, 837 W North Ave, Chicago
- Gold Coast Bank, 1165 N Clark St, Chicago
- JPMorgan Chase Bank, National Association, 1131 E Dundee Rd, Palatine
- JPMorgan Chase Bank, National Association, 2790 N Clybourn Ave, Chicago
- JPMorgan Chase Bank, National Association, 300 E Rand Rd, Arlington Hts.
- JPMorgan Chase Bank, National Association, 370 E 162nd St, South Holland
- JPMorgan Chase Bank, National Association, 6350 N Mccormick Rd, Chicago
- JPMorgan Chase Bank, National Association, 875 N Michigan Ave, Chicago
- Metropolitan Capital Bank & Trust, 9 E Ontario St, Chicago
- Peoples Bank, 3448 E 118th St, Chicago
- The Lemont National Bank, 1201 State St, Lemont
- The Lemont National Bank, 1270 Village Drive, Lemont Township
- U.S. Bank National Association, 104 N Oak Park Ave, Oak Park
- U.S. Bank National Association, 60 S Meacham Rd, Schaumburg
- U.S. Bank National Association, 850 N Roselle Rd, Hoffman Estates
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.