Cash-out refinancing lenders in Cook County
10,764 cash-out refinancing mortgages were made in Cook County, Illinois, in 2025, by 420 lenders. The median rate their borrowers got was 7.125% on a median loan of $185,000. Of 17,299 decisions, 5,838 were denials — 33.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,532 | 8.375% | $115,000 | 27.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 812 | 6.999% | $205,000 | 30.5% |
| JPMorgan Chase Bank, National Association | 682 | 6.490% | $235,000 | 19.4% |
| BMO Bank National Association | 534 | 8.180% | $155,000 | 32.3% |
| The Huntington National Bank | 397 | 7.500% | $170,000 | 29.7% |
| CONSUMERS COOPERATIVE CREDIT UNION | 308 | 5.490% | $105,000 | 8.6% |
| NEWREZ LLC | 305 | 7.875% | $105,000 | 58.5% |
| GUARANTEED RATE, INC. | 268 | 6.800% | $285,000 | 12.5% |
| AmeriSave Mortgage Corporation | 265 | 8.500% | $85,000 | 76.4% |
| Loandepot.Com, LLC | 260 | 6.625% | $190,000 | 40.2% |
| Loan Funder LLC | 242 | 7.270% | $215,000 | 12.6% |
| U.S. Bank National Association | 228 | 7.990% | $155,000 | 30.7% |
| CREDIT UNION 1 | 200 | 6.625% | $65,000 | 46.8% |
| NATIONSTAR MORTGAGE LLC | 189 | 6.990% | $195,000 | 24.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 154 | 7.350% | $335,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 152 | 6.125% | $225,000 | 30.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 152 | 10.240% | $180,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 144 | 6.750% | $245,000 | 37.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 136 | 6.850% | $265,000 | 12.1% |
| BPL MORTGAGE TRUST, LLC | 114 | 7.875% | $180,000 | 20.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 95 | 6.625% | $155,000 | 63.7% |
| Broker Solutions, Inc. | 87 | 6.990% | $255,000 | 37.6% |
| OCMBC, INC. | 87 | 7.750% | $245,000 | 21.2% |
| THE LOAN STORE, INC. | 87 | 7.250% | $235,000 | 14.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 81 | 6.750% | $255,000 | 40.8% |
| Barrington Bank & Trust Company, National Association | 81 | 7.125% | $265,000 | 18.3% |
| Wells Fargo Bank, National Association | 79 | 6.750% | $185,000 | 36.8% |
| HOMEXPRESS MORTGAGE CORP. | 79 | 7.375% | $235,000 | 36.0% |
| LOWER, LLC | 76 | 7.125% | $285,000 | 30.3% |
| GREENSTATE Credit Union | 72 | 6.933% | $215,000 | 13.3% |
| GUILD MORTGAGE COMPANY | 70 | 7.250% | $165,000 | 23.6% |
| Fairway Independent Mortgage Corporation | 62 | 6.990% | $265,000 | 18.4% |
| Fifth Third Bank, National Association | 62 | 6.625% | $170,000 | 28.4% |
| TOWNE MORTGAGE COMPANY | 58 | 6.750% | $210,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 57 | 7.940% | $165,000 | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 7.125% | $190,000 | 24.3% |
| CHAMPIONS FUNDING, LLC | 56 | 7.625% | $215,000 | 30.9% |
| Navy Federal Credit Union | 55 | 7.250% | $165,000 | 55.7% |
| UNION HOME MORTGAGE CORP. | 54 | 6.875% | $310,000 | 13.4% |
| First American Bank | 52 | 6.625% | $205,000 | 40.9% |
| Coastal Community Bank | 51 | 9.990% | $105,000 | 1.6% |
| Citibank, National Association | 50 | 6.875% | $200,000 | 27.1% |
| Citadel Servicing Corporation | 50 | 7.875% | $285,000 | 4.4% |
| The Federal Savings Bank | 49 | 6.625% | $275,000 | 29.6% |
| AMWEST FUNDING CORP. | 43 | 7.125% | $195,000 | 8.3% |
| RESICENTRAL, LLC | 40 | 6.933% | $290,000 | 4.1% |
| Hometown Equity Mortgage, LLC | 39 | 7.500% | $255,000 | 50.0% |
| NEXERA HOLDING LLC | 39 | 7.500% | $255,000 | 18.8% |
| Old Second National Bank | 39 | 7.000% | $155,000 | 11.4% |
| OriginPoint, LLC | 35 | 6.750% | $325,000 | 5.4% |
| Baxter Credit Union | 35 | 7.250% | $165,000 | 26.8% |
| Emporium TPO LLC | 35 | 7.500% | $205,000 | 8.9% |
| SPRING EQ, LLC | 34 | 10.275% | $95,000 | 55.0% |
| PLAZA HOME MORTGAGE, INC. | 34 | 6.625% | $265,000 | 32.7% |
| Marquette Bank | 34 | 6.313% | $200,000 | 10.5% |
| A&D Mortgage LLC | 33 | 7.375% | $185,000 | 17.1% |
| Equity Prime Mortgage LLC | 32 | 6.625% | $245,000 | 18.0% |
| QUORUM FEDERAL CREDIT UNION | 32 | 8.625% | $130,000 | 46.2% |
| AMERICAN HERITAGE LENDING, LLC | 32 | 7.437% | $205,000 | 10.4% |
| PHH Mortgage Corporation | 31 | 6.990% | $195,000 | 29.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 31 | 7.749% | $155,000 | 6.1% |
| First National Bank of Brookfield | 26 | Not published | $805,000 | 0.0% |
| LENDINGONE, LLC | 25 | 7.160% | $245,000 | 54.6% |
| KIND LENDING, LLC | 25 | 7.375% | $275,000 | 49.0% |
| Mortgage Research Center, LLC | 24 | 6.500% | $260,000 | 81.8% |
| GUARANTEED RATE AFFINITY, LLC | 22 | 6.800% | $260,000 | 42.1% |
| MOVEMENT MORTGAGE, LLC | 22 | 7.313% | $360,000 | 13.8% |
| SELFRELIANCE FEDERAL CREDIT UNION | 22 | Not published | $855,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 6.500% | $255,000 | 76.3% |
| Bank of America, National Association | 21 | 6.250% | $465,000 | 36.4% |
| CMG MORTGAGE, INC. | 21 | 8.008% | $275,000 | 7.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 20 | 6.625% | $245,000 | 30.6% |
| MLD MORTGAGE INC. | 20 | 7.120% | $315,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 20 | 7.999% | $220,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 19 | 7.375% | $215,000 | 13.6% |
| PNC Bank, National Association | 19 | 6.625% | $205,000 | 26.9% |
| A & N MORTGAGE SERVICES, INC. | 19 | 6.990% | $175,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 18 | 7.375% | $250,000 | 38.7% |
| BETTER MORTGAGE CORPORATION | 17 | 8.750% | $155,000 | 60.9% |
| Old National Bank | 17 | 6.500% | $205,000 | 51.4% |
| Logan Finance Corporation | 17 | 7.499% | $315,000 | 30.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 17 | 7.250% | $155,000 | 21.7% |
| DOMINION FINANCIAL SERVICES, LLC | 17 | 7.625% | $145,000 | 0.0% |
| Flagstar Bank, N.A. | 16 | 6.990% | $120,000 | 54.3% |
| Ixonia Bank | 16 | 7.063% | $255,000 | 11.1% |
| LEADERONE FINANCIAL CORPORATION | 16 | 7.058% | $205,000 | 10.5% |
| UNITED HOME LOANS, INC. | 14 | 7.058% | $220,000 | 0.0% |
| ALLIANT CREDIT UNION | 13 | 6.750% | $255,000 | 35.0% |
| Commerce Home Mortgage, Inc. | 13 | 8.625% | $235,000 | 40.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 7.125% | $295,000 | 38.1% |
| GENEVA FINANCIAL, LLC | 13 | 7.000% | $195,000 | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 13 | 7.125% | $205,000 | 18.8% |
| CROWN MORTGAGE COMPANY | 13 | 6.500% | $145,000 | 0.0% |
| VERITAS FUNDING, LLC | 12 | 6.500% | $215,000 | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.625% | $290,000 | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 7.500% | $180,000 | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 12 | 8.250% | $240,000 | 18.8% |
| AMERICAN FINANCING CORPORATION | 11 | 6.250% | $165,000 | 69.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.625% | $195,000 | 0.0% |
| POLISH & SLAVIC | 11 | Not published | $255,000 | 15.4% |
| 984500RF83EA742B5589 | 11 | 7.850% | $735,000 | 8.3% |
| Gold Coast Bank | 11 | Not published | $355,000 | 8.3% |
| Lakeside Bank | 11 | Not published | $655,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 11 | 7.625% | $265,000 | 0.0% |
| MISSION LOANS, LLC | 10 | 6.688% | $165,000 | 15.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.245% | $230,000 | 30.0% |
| JMAC LENDING, INC. | 10 | 7.375% | $255,000 | 16.7% |
| NUMARK CREDIT UNION | 10 | 7.500% | $60,000 | 28.6% |
| USALLIANCE FEDERAL CREDIT UNION | 10 | 7.938% | $275,000 | 9.1% |
| LIMA ONE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Magnolia Bank, Incorporated | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Waterman State Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CONSTRUCTIVE LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Nations Lending Corporation | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| MEMBER FIRST MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| OAKTREE FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 15.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 38.5% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 36.4% |
| SUCCESS LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EAST COAST CAPITAL CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 21.4% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| Wintrust Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ABL RPC Residential Credit Acquisition LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| COVANTAGE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 71.2% |
| FIRST NORTHERN Credit Union | 6 | Under 10 loans | Under 10 loans | 35.7% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| United Trust Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Devon Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 68.8% |
| North Shore Trust and Savings | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 12.5% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Peoples Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 30.8% |
| DuPage Credit Union | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Liberty Bank for Savings | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Busey Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Hinsdale Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northbrook Bank and Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 5.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 37.5% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 42.9% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Illiana Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 220 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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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. 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.