Home purchase lenders in Cook County
45,513 home purchase mortgages were made in Cook County, Illinois, in 2025, by 679 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 54,214 decisions, 7,192 were denials — 13.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 4,114 | 6.625% | $315,000 | 6.2% |
| JPMorgan Chase Bank, National Association | 2,901 | 6.490% | $315,000 | 11.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,872 | 6.625% | $285,000 | 12.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 2,032 | 6.825% | $315,000 | 3.7% |
| Rocket Mortgage, LLC | 1,591 | 6.625% | $285,000 | 17.0% |
| Fairway Independent Mortgage Corporation | 1,533 | 6.875% | $255,000 | 8.0% |
| Loandepot.Com, LLC | 1,403 | 6.750% | $245,000 | 9.7% |
| Barrington Bank & Trust Company, National Association | 1,068 | 6.750% | $295,000 | 8.3% |
| The Huntington National Bank | 991 | 6.500% | $305,000 | 15.8% |
| OriginPoint, LLC | 976 | 6.750% | $395,000 | 3.6% |
| A & N MORTGAGE SERVICES, INC. | 836 | 6.625% | $365,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 714 | 6.750% | $305,000 | 8.9% |
| Bank of America, National Association | 712 | 6.125% | $305,000 | 21.7% |
| U.S. Bank National Association | 669 | 6.490% | $365,000 | 19.8% |
| GREENSTATE Credit Union | 661 | 6.625% | $265,000 | 13.1% |
| UNION HOME MORTGAGE CORP. | 608 | 6.875% | $355,000 | 7.6% |
| Citibank, National Association | 573 | 6.125% | $385,000 | 14.1% |
| KEY MORTGAGE SERVICES, INC. | 562 | 6.750% | $325,000 | 6.1% |
| Broker Solutions, Inc. | 550 | 6.875% | $325,000 | 5.5% |
| 254900O723MCLR701H50 | 538 | 0.000% | $15,000 | 59.5% |
| Fifth Third Bank, National Association | 530 | 6.500% | $405,000 | 19.8% |
| THE LOAN STORE, INC. | 515 | 6.750% | $265,000 | 5.7% |
| GUARANTEED RATE AFFINITY, LLC | 472 | 6.750% | $305,000 | 8.9% |
| GUILD MORTGAGE COMPANY | 469 | 6.750% | $245,000 | 8.9% |
| Old National Bank | 424 | 6.375% | $240,000 | 21.7% |
| Mortgage Research Center, LLC | 401 | 6.375% | $315,000 | 14.2% |
| Loan Funder LLC | 391 | 10.500% | $225,000 | 19.2% |
| TOWNE MORTGAGE COMPANY | 368 | 6.625% | $275,000 | 3.2% |
| BMO Bank National Association | 335 | 6.625% | $265,000 | 26.3% |
| PENNYMAC LOAN SERVICES, LLC | 327 | 6.625% | $335,000 | 20.3% |
| The Federal Savings Bank | 298 | 6.750% | $295,000 | 11.7% |
| MOVEMENT MORTGAGE, LLC | 288 | 6.750% | $255,000 | 6.8% |
| NEWREZ LLC | 259 | 6.750% | $295,000 | 13.4% |
| RESICENTRAL, LLC | 259 | 6.750% | $315,000 | 9.5% |
| LEADERONE FINANCIAL CORPORATION | 258 | 6.813% | $315,000 | 12.8% |
| BAY EQUITY LLC | 242 | 6.750% | $295,000 | 3.2% |
| Associated Bank, National Association | 236 | 6.375% | $275,000 | 20.1% |
| PNC Bank, National Association | 232 | 6.500% | $285,000 | 19.7% |
| Prosperity Home Mortgage, LLC | 221 | 6.875% | $335,000 | 3.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 220 | 10.250% | $275,000 | 0.9% |
| Wells Fargo Bank, National Association | 217 | 6.375% | $415,000 | 10.6% |
| A&D Mortgage LLC | 200 | 6.625% | $305,000 | 11.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 200 | 6.750% | $365,000 | 6.0% |
| Navy Federal Credit Union | 198 | 6.375% | $335,000 | 20.8% |
| UNITED HOME LOANS, INC. | 197 | 6.750% | $375,000 | 3.9% |
| OCMBC, INC. | 196 | 7.499% | $275,000 | 17.2% |
| Ixonia Bank | 196 | 6.875% | $215,000 | 8.7% |
| COMPASS MORTGAGE, INC. | 195 | 6.625% | $285,000 | 3.5% |
| KIND LENDING, LLC | 184 | 6.813% | $300,000 | 24.5% |
| MLD MORTGAGE INC. | 180 | 6.625% | $275,000 | 3.1% |
| Morgan Stanley Private Bank, National Association | 178 | 6.025% | $605,000 | 0.5% |
| Kiavi Funding, Inc. | 176 | 9.995% | $215,000 | 14.3% |
| ZILLOW HOME LOANS, LLC | 172 | 6.625% | $255,000 | 8.3% |
| SELECT LENDING SERVICES LLC | 172 | 6.750% | $415,000 | 1.6% |
| CIBC Bank USA | 166 | 6.250% | $265,000 | 14.9% |
| SUMMIT FUNDING, INC. | 162 | 6.990% | $375,000 | 3.0% |
| NFM, INC. | 160 | 6.875% | $405,000 | 1.8% |
| LOWER, LLC | 159 | 6.625% | $335,000 | 13.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 153 | 6.750% | $245,000 | 8.3% |
| Waterman State Bank | 141 | Not published | $355,000 | 5.8% |
| Wintrust Bank, National Association | 138 | Not published | $615,000 | 2.1% |
| PROPER RATE, LLC | 137 | 6.875% | $375,000 | 3.4% |
| T2 FINANCIAL LLC | 125 | 6.875% | $345,000 | 5.6% |
| DHI MORTGAGE COMPANY, LTD. | 120 | 5.875% | $365,000 | 15.4% |
| Gold Coast Bank | 116 | Not published | $455,000 | 3.3% |
| BPL MORTGAGE TRUST, LLC | 112 | 9.990% | $195,000 | 18.2% |
| NexBank | 108 | 6.875% | $335,000 | 13.3% |
| PACOR MORTGAGE CORP. | 108 | 6.863% | $285,000 | 1.8% |
| Marquette Bank | 107 | 6.375% | $295,000 | 7.7% |
| ALLIANT CREDIT UNION | 106 | 6.375% | $365,000 | 23.9% |
| First American Bank | 106 | 6.750% | $245,000 | 28.8% |
| PLAZA HOME MORTGAGE, INC. | 101 | 6.875% | $295,000 | 31.2% |
| SUCCESS LENDING, LLC | 100 | 6.625% | $255,000 | 17.9% |
| Charles Schwab Bank, SSB | 99 | 5.625% | $645,000 | 3.9% |
| GUIDANCE RESIDENTIAL, LLC | 98 | 6.875% | $340,000 | 7.6% |
| CONSUMER REAL ESTATE FINANCE CO. | 94 | 6.750% | $265,000 | 18.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 93 | 6.875% | $295,000 | 17.7% |
| POLISH & SLAVIC | 93 | Not published | $225,000 | 13.5% |
| 254900CTT87ZKAUTIJ37 | 90 | 9.990% | $210,000 | 18.1% |
| Busey Bank | 90 | 7.125% | $225,000 | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 90 | 6.750% | $290,000 | 12.3% |
| Republic Bank of Chicago | 88 | Not published | $135,000 | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 88 | Not published | $285,000 | 0.0% |
| Liberty Bank for Savings | 87 | 6.250% | $425,000 | 11.0% |
| CHAMPIONS FUNDING, LLC | 86 | 7.875% | $270,000 | 21.8% |
| First National Bank of America | 85 | 8.875% | $215,000 | 15.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 84 | 6.625% | $190,000 | 13.4% |
| JMAC LENDING, INC. | 82 | 6.625% | $325,000 | 2.4% |
| BETTER MORTGAGE CORPORATION | 80 | 6.625% | $370,000 | 36.7% |
| AMWEST FUNDING CORP. | 80 | 6.875% | $255,000 | 9.1% |
| Self-Help Federal Credit Union | 78 | 8.375% | $235,000 | 17.0% |
| Equity Prime Mortgage LLC | 77 | 7.125% | $245,000 | 17.9% |
| PANORAMA MORTGAGE GROUP, LLC | 74 | 6.813% | $180,000 | 2.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 74 | 7.000% | $270,000 | 8.6% |
| THE ANDERSON FINANCIAL GROUP, INC. | 74 | 6.500% | $290,000 | 0.0% |
| POINT MORTGAGE CORPORATION | 73 | 6.625% | $285,000 | 3.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 72 | 6.500% | $455,000 | 15.1% |
| Nations Lending Corporation | 70 | 6.875% | $305,000 | 11.5% |
| GENEVA FINANCIAL, LLC | 69 | 6.875% | $235,000 | 6.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 65 | 6.625% | $255,000 | 9.5% |
| CONSUMERS COOPERATIVE CREDIT UNION | 63 | 6.125% | $315,000 | 7.2% |
| International Bank of Chicago | 63 | Not published | $295,000 | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 6.933% | $275,000 | 7.2% |
| NATIONS DIRECT MORTGAGE, LLC | 62 | 6.928% | $310,000 | 8.8% |
| NEW WAVE LENDING GROUP INC | 62 | 6.875% | $310,000 | 0.0% |
| NEXERA HOLDING LLC | 61 | 7.500% | $305,000 | 9.0% |
| Devon Bank | 60 | Not published | $235,000 | 4.8% |
| NATIONSTAR MORTGAGE LLC | 58 | 6.625% | $290,000 | 10.5% |
| First National Bank of Brookfield | 56 | Not published | $605,000 | 3.5% |
| Baxter Credit Union | 55 | 6.625% | $365,000 | 1.2% |
| Old Second National Bank | 55 | 6.500% | $355,000 | 11.9% |
| Waterstone Mortgage Corporation | 55 | 6.750% | $325,000 | 6.7% |
| DEEPHAVEN MORTGAGE LLC | 54 | 7.500% | $270,000 | 32.1% |
| NUMARK CREDIT UNION | 54 | 6.500% | $235,000 | 6.7% |
| Tomo Mortgage, LLC | 53 | 6.375% | $385,000 | 28.4% |
| NBKC BANK | 53 | 6.490% | $445,000 | 22.5% |
| CMG MORTGAGE, INC. | 53 | 6.688% | $375,000 | 13.0% |
| FIRST EAGLE BANCSHARES, INC. | 53 | Not published | $915,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 51 | 6.625% | $255,000 | 3.2% |
| CNB Bank And Trust, N.A. | 51 | 7.250% | $335,000 | 7.0% |
| Click n' Close, Inc. | 50 | 6.813% | $210,000 | 18.6% |
| Luminate Bank | 50 | 6.990% | $255,000 | 7.4% |
| Heartland Bank and Trust Company | 50 | 8.000% | $170,000 | 5.4% |
| Zippy Loans, LLC | 49 | 8.000% | $45,000 | 64.5% |
| Citizens Bank, National Association | 49 | 6.875% | $235,000 | 26.1% |
| CIBM Bank | 49 | 6.500% | $285,000 | 9.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 48 | 6.625% | $360,000 | 12.7% |
| UIF CORPORATION | 48 | 6.933% | $325,000 | 18.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 48 | 10.740% | $290,000 | 0.0% |
| UBS Bank USA | 48 | 6.000% | $755,000 | 0.0% |
| USAA Federal Savings Bank | 47 | 6.375% | $295,000 | 47.2% |
| Flagstar Bank, N.A. | 46 | 6.735% | $315,000 | 34.3% |
| Paramount Residential Mortgage Group, Inc. | 46 | 6.688% | $305,000 | 8.0% |
| Citadel Servicing Corporation | 45 | 7.999% | $275,000 | 1.5% |
| CROWN MORTGAGE COMPANY | 44 | 6.688% | $245,000 | 0.0% |
| PULTE MORTGAGE LLC | 43 | 6.500% | $555,000 | 12.2% |
| North Shore Trust and Savings | 43 | Not published | $295,000 | 6.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 42 | 6.342% | $420,000 | 9.6% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 42 | 6.813% | $270,000 | 2.3% |
| Homeland Mortgage Company | 42 | 6.750% | $370,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 41 | 6.750% | $315,000 | 19.0% |
| Ameris Bank | 41 | 6.500% | $335,000 | 8.7% |
| Cornerstone First Mortgage, Inc | 39 | 6.875% | $245,000 | 20.4% |
| Hinsdale Bank & Trust Company | 39 | Not published | $765,000 | 4.9% |
| Hometown Equity Mortgage, LLC | 37 | 7.625% | $285,000 | 42.2% |
| Sierra Pacific Mortgage Company, Inc. | 37 | 6.750% | $325,000 | 9.8% |
| FIRST COMMUNITY MORTGAGE, INC. | 37 | 6.990% | $395,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 36 | 7.813% | $240,000 | 5.1% |
| NMSI, INC. | 35 | 6.875% | $385,000 | 0.0% |
| Royal Business Bank | 34 | 6.450% | $275,000 | 5.6% |
| M/I FINANCIAL, LLC | 34 | 5.875% | $415,000 | 10.0% |
| Community Savings Bank | 34 | Not published | $360,000 | 0.0% |
| 21st Mortgage Corporation | 33 | 11.250% | $55,000 | 84.9% |
| Synergy One Lending, Inc. | 33 | 6.875% | $275,000 | 19.5% |
| STOCKTON MORTGAGE CORPORATION | 33 | 6.625% | $375,000 | 8.3% |
| Stifel Bank and Trust | 33 | 6.000% | $565,000 | 0.0% |
| First Federal Bank | 32 | 6.375% | $370,000 | 25.6% |
| Northbrook Bank and Trust Company, National Association | 32 | Not published | $1,115,000 | 0.0% |
| Emporium TPO LLC | 31 | 7.250% | $245,000 | 9.5% |
| Providence Bank & Trust | 31 | 6.875% | $465,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 30 | 7.937% | $225,000 | 54.7% |
| DOMINION FINANCIAL SERVICES, LLC | 30 | 11.000% | $185,000 | 0.0% |
| National Police Federal Credit Union effective | 30 | Not published | $320,000 | 9.1% |
| Cornerstone National Bank & Trust Company | 30 | 6.500% | $570,000 | 0.0% |
| Goldman Sachs Bank USA | 29 | 5.800% | $1,245,000 | 0.0% |
| Central Federal Savings and Loan Association | 29 | Not published | $755,000 | 9.4% |
| Commerce Home Mortgage, Inc. | 28 | 7.750% | $280,000 | 24.3% |
| Lakeside Bank | 28 | Not published | $660,000 | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 28 | 6.813% | $310,000 | 9.4% |
| MEMBER FIRST MORTGAGE, LLC | 27 | 6.125% | $315,000 | 17.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 27 | 7.749% | $215,000 | 17.7% |
| Village Bank and Trust, National Association | 27 | Not published | $595,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 26 | 6.495% | $315,000 | 35.0% |
| DIRECT MORTGAGE LOANS, LLC | 26 | 6.563% | $220,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 26 | 5.938% | $290,000 | 3.6% |
| FNBC Bank & Trust | 26 | Not published | $515,000 | 3.5% |
| NORWICH COMMERCIAL GROUP, INC. | 25 | 6.250% | $285,000 | 13.8% |
| Plains Commerce Bank | 25 | 6.500% | $355,000 | 13.8% |
| FOREST PARK NATIONAL BANK AND TRUST COMPANY | 24 | Not published | $520,000 | 4.0% |
| LENDINGONE, LLC | 23 | 10.740% | $115,000 | 74.2% |
| Filo Mortgage, L.L.C. | 23 | 6.624% | $355,000 | 17.2% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 23 | 6.750% | $255,000 | 8.0% |
| TRIAD FINANCIAL SERVICES, INC. | 22 | 8.545% | $70,000 | 69.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 22 | 6.813% | $290,000 | 37.2% |
| Peoples Bank | 22 | 6.625% | $330,000 | 4.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | 22 | 6.875% | $300,000 | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 22 | 6.245% | $730,000 | 4.4% |
| ENVOY MORTGAGE, LTD | 22 | 6.750% | $210,000 | 12.0% |
| Home State Bank, National Association | 22 | 6.813% | $285,000 | 8.0% |
| Beverly Bank & Trust Company, N.A. | 21 | Not published | $415,000 | 30.0% |
| FIRST NORTHERN Credit Union | 21 | 6.625% | $255,000 | 4.2% |
| CONVENTUS LLC | 21 | 9.500% | $1,295,000 | 0.0% |
| PHH Mortgage Corporation | 21 | 6.875% | $345,000 | 8.7% |
| NVR Mortgage Finance, Inc. | 21 | 6.250% | $355,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 20 | 6.625% | $265,000 | 55.3% |
| VERVE, A CREDIT UNION | 20 | 6.490% | $595,000 | 8.7% |
| Hoyne Savings Bank | 20 | Not published | $370,000 | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 19 | 6.750% | $225,000 | 14.3% |
| General Mortgage Capital Corporation | 19 | 6.375% | $325,000 | 0.0% |
| AML FUNDING LLC | 19 | 6.750% | $315,000 | 9.5% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 479 lenders each made 19 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.