Refinancing lenders in Cook County
13,348 refinancing mortgages were made in Cook County, Illinois, in 2025, by 500 lenders. The median rate their borrowers got was 6.250% on a median loan of $335,000. Of 17,566 decisions, 3,437 were denials — 19.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,121 | 5.999% | $345,000 | 15.2% |
| JPMorgan Chase Bank, National Association | 1,041 | 6.125% | $415,000 | 8.2% |
| Rocket Mortgage, LLC | 687 | 5.990% | $305,000 | 24.8% |
| GUARANTEED RATE, INC. | 619 | 6.250% | $455,000 | 6.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 533 | 6.125% | $385,000 | 3.4% |
| Fifth Third Bank, National Association | 456 | 7.470% | $165,000 | 29.2% |
| PNC Bank, National Association | 370 | 7.240% | $145,000 | 28.6% |
| The Huntington National Bank | 364 | 6.740% | $235,000 | 37.1% |
| PENNYMAC LOAN SERVICES, LLC | 304 | 6.124% | $325,000 | 15.8% |
| Bank of America, National Association | 284 | 5.813% | $205,000 | 34.0% |
| First American Bank | 245 | 7.500% | $105,000 | 33.9% |
| UNION HOME MORTGAGE CORP. | 237 | 6.125% | $355,000 | 2.1% |
| U.S. Bank National Association | 229 | 6.125% | $435,000 | 17.0% |
| Barrington Bank & Trust Company, National Association | 227 | 6.125% | $405,000 | 6.5% |
| FREEDOM MORTGAGE CORPORATION | 226 | 6.250% | $315,000 | 6.7% |
| OriginPoint, LLC | 202 | 6.425% | $500,000 | 3.8% |
| Old National Bank | 199 | 6.150% | $220,000 | 21.8% |
| NEWREZ LLC | 185 | 6.250% | $355,000 | 29.8% |
| Loandepot.Com, LLC | 173 | 6.375% | $335,000 | 21.1% |
| Loan Funder LLC | 145 | 7.300% | $185,000 | 3.3% |
| A & N MORTGAGE SERVICES, INC. | 142 | 6.375% | $415,000 | 0.0% |
| Broker Solutions, Inc. | 135 | 6.490% | $415,000 | 7.5% |
| Fairway Independent Mortgage Corporation | 135 | 6.490% | $425,000 | 7.3% |
| GREENSTATE Credit Union | 130 | 6.125% | $405,000 | 7.9% |
| NATIONSTAR MORTGAGE LLC | 110 | 5.995% | $310,000 | 20.7% |
| Citibank, National Association | 110 | 5.750% | $870,000 | 6.0% |
| ALLIANT CREDIT UNION | 97 | 7.750% | $195,000 | 27.5% |
| Mortgage Research Center, LLC | 91 | 5.875% | $335,000 | 36.4% |
| Wintrust Bank, National Association | 85 | Not published | $875,000 | 2.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 83 | 6.125% | $305,000 | 9.6% |
| TOWNE MORTGAGE COMPANY | 82 | 6.125% | $335,000 | 4.1% |
| LOWER, LLC | 81 | 6.500% | $355,000 | 15.3% |
| THE LOAN STORE, INC. | 81 | 6.490% | $275,000 | 8.1% |
| GUILD MORTGAGE COMPANY | 74 | 6.375% | $380,000 | 17.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 74 | 6.125% | $335,000 | 13.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 70 | 6.375% | $315,000 | 18.0% |
| LEADERONE FINANCIAL CORPORATION | 70 | 6.490% | $385,000 | 11.4% |
| Marquette Bank | 70 | 6.225% | $380,000 | 7.9% |
| LAKEVIEW LOAN SERVICING, LLC | 69 | 6.125% | $365,000 | 65.4% |
| RESICENTRAL, LLC | 65 | 6.625% | $325,000 | 4.1% |
| UNITED HOME LOANS, INC. | 65 | 6.125% | $485,000 | 1.5% |
| Associated Bank, National Association | 64 | 6.875% | $215,000 | 30.6% |
| GUARANTEED RATE AFFINITY, LLC | 60 | 6.250% | $415,000 | 6.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 58 | 5.990% | $310,000 | 16.4% |
| Kiavi Funding, Inc. | 51 | 7.375% | $175,000 | 20.3% |
| PHH Mortgage Corporation | 51 | 5.990% | $395,000 | 22.1% |
| Prosperity Home Mortgage, LLC | 51 | 6.125% | $435,000 | 7.1% |
| Lendage, LLC | 51 | 11.750% | $95,000 | 11.9% |
| Citizens Bank, National Association | 50 | 7.650% | $240,000 | 31.5% |
| PLANET HOME LENDING, LLC | 50 | 6.058% | $280,000 | 21.7% |
| Northbrook Bank and Trust Company, National Association | 50 | Not published | $705,000 | 0.0% |
| T2 FINANCIAL LLC | 49 | 6.500% | $455,000 | 3.7% |
| MLD MORTGAGE INC. | 48 | 6.313% | $340,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 47 | 6.990% | $165,000 | 41.8% |
| Gold Coast Bank | 47 | Not published | $545,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 44 | 9.990% | $410,000 | 0.0% |
| The Federal Savings Bank | 43 | 6.375% | $375,000 | 6.4% |
| KEY MORTGAGE SERVICES, INC. | 42 | 6.625% | $330,000 | 2.1% |
| Waterman State Bank | 41 | Not published | $465,000 | 4.6% |
| Homeland Mortgage Company | 40 | 5.990% | $455,000 | 0.0% |
| NBKC BANK | 39 | 6.000% | $425,000 | 24.1% |
| COMPASS MORTGAGE, INC. | 39 | 6.625% | $315,000 | 9.1% |
| SELECT LENDING SERVICES LLC | 39 | 6.375% | $445,000 | 0.0% |
| Wells Fargo Bank, National Association | 37 | 6.125% | $425,000 | 24.5% |
| ROYAL UNITED MORTGAGE LLC | 37 | 7.000% | $105,000 | 38.7% |
| A&D Mortgage LLC | 37 | 6.625% | $365,000 | 19.2% |
| Hinsdale Bank & Trust Company | 37 | Not published | $805,000 | 2.6% |
| MOVEMENT MORTGAGE, LLC | 35 | 6.375% | $435,000 | 2.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 33 | 5.745% | $465,000 | 11.9% |
| BMO Bank National Association | 32 | 6.563% | $240,000 | 37.3% |
| NexBank | 32 | 6.813% | $365,000 | 18.0% |
| SUMMIT FUNDING, INC. | 31 | 6.375% | $405,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 30 | 6.000% | $395,000 | 16.7% |
| Busey Bank | 30 | 7.750% | $180,000 | 14.3% |
| OCMBC, INC. | 29 | 6.999% | $295,000 | 8.6% |
| Discover Bank | 28 | 8.740% | $95,000 | 72.3% |
| American Commercial Bank & Trust, National Association | 28 | 6.700% | $135,000 | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 28 | Not published | $640,000 | 0.0% |
| CMG MORTGAGE, INC. | 27 | 6.490% | $345,000 | 17.1% |
| Peoples Bank | 25 | 7.250% | $185,000 | 16.7% |
| NFM, INC. | 24 | 6.490% | $480,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 24 | 6.375% | $290,000 | 35.1% |
| BPL MORTGAGE TRUST, LLC | 23 | 7.687% | $195,000 | 21.2% |
| NUMARK CREDIT UNION | 23 | 6.500% | $235,000 | 7.7% |
| FNBC Bank & Trust | 23 | Not published | $525,000 | 8.0% |
| Charles Schwab Bank, SSB | 22 | 5.488% | $930,000 | 14.8% |
| PACOR MORTGAGE CORP. | 22 | 6.625% | $305,000 | 4.4% |
| Evergreen Bank Group | 22 | Not published | $145,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 6.000% | $385,000 | 21.2% |
| KIND LENDING, LLC | 21 | 6.625% | $435,000 | 40.5% |
| THE ANDERSON FINANCIAL GROUP, INC. | 21 | 6.000% | $415,000 | 4.4% |
| PENTAGON FEDERAL CREDIT UNION | 20 | 7.750% | $135,000 | 50.0% |
| BETTER MORTGAGE CORPORATION | 20 | 5.625% | $400,000 | 43.2% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 20 | 6.563% | $550,000 | 0.0% |
| Liberty Bank for Savings | 20 | 5.438% | $485,000 | 9.1% |
| Beverly Bank & Trust Company, N.A. | 20 | Not published | $435,000 | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 20 | Not published | $205,000 | 0.0% |
| Navy Federal Credit Union | 19 | 5.625% | $375,000 | 51.2% |
| MEMBER FIRST MORTGAGE, LLC | 19 | 5.750% | $465,000 | 25.8% |
| FINANCE OF AMERICA REVERSE LLC | 19 | 6.500% | $155,000 | 20.8% |
| LUMENT REAL ESTATE CAPITAL, LLC | 18 | 5.710% | $2,525,000 | 0.0% |
| COVANTAGE CREDIT UNION | 18 | 6.750% | $155,000 | 5.0% |
| FIRST EAGLE BANCSHARES, INC. | 18 | Not published | $775,000 | 5.3% |
| Village Bank and Trust, National Association | 18 | Not published | $350,000 | 5.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 5.990% | $365,000 | 5.6% |
| GUIDANCE RESIDENTIAL, LLC | 17 | 6.500% | $365,000 | 0.0% |
| Ixonia Bank | 16 | 6.813% | $250,000 | 5.9% |
| Byline Bank | 16 | Not published | $400,000 | 0.0% |
| The Dart Bank | 16 | 6.563% | $355,000 | 5.9% |
| SOUTH RIVER MORTGAGE, LLC | 15 | 8.990% | $115,000 | 6.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.490% | $275,000 | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 15 | 5.875% | $255,000 | 10.5% |
| Ameris Bank | 15 | 6.125% | $355,000 | 0.0% |
| HealthCare Associates Credit Union | 14 | Not published | $80,000 | 48.2% |
| POLISH & SLAVIC | 14 | Not published | $225,000 | 22.2% |
| Nations Lending Corporation | 14 | 6.120% | $305,000 | 10.5% |
| First National Bank of Omaha | 14 | 2.990% | $100,000 | 12.5% |
| Old Second National Bank | 14 | 6.251% | $365,000 | 11.8% |
| First Merchants Bank | 14 | 7.250% | $105,000 | 17.7% |
| Cornerstone National Bank & Trust Company | 14 | 6.438% | $515,000 | 6.7% |
| Abbott Laboratories Employees Credit Union | 14 | Not published | $265,000 | 0.0% |
| Itasca Bank & Trust Co. | 14 | Not published | $1,350,000 | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 14 | Not published | $870,000 | 0.0% |
| LADERA LENDING, INC. | 13 | 7.625% | $195,000 | 18.8% |
| CIBM Bank | 13 | 6.125% | $325,000 | 7.1% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 6.125% | $125,000 | 17.7% |
| Goldman Sachs Bank USA | 13 | 5.600% | $2,005,000 | 31.6% |
| Morgan Stanley Private Bank, National Association | 13 | 5.700% | $855,000 | 6.7% |
| Providence Bank & Trust | 13 | 6.750% | $535,000 | 22.2% |
| National Police Federal Credit Union effective | 13 | Not published | $235,000 | 7.1% |
| Lakeside Bank | 13 | Not published | $585,000 | 0.0% |
| 254900T73HGYTHZBWG27 | 13 | Not published | $175,000 | 0.0% |
| Hoyne Savings Bank | 13 | Not published | $315,000 | 0.0% |
| VERVE, A CREDIT UNION | 12 | 6.475% | $845,000 | 25.0% |
| Devon Bank | 12 | Not published | $415,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 11 | 11.375% | $205,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 11 | 7.500% | $335,000 | 15.4% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.375% | $215,000 | 45.0% |
| Baxter Credit Union | 11 | 6.000% | $345,000 | 5.6% |
| Cornerstone First Mortgage, Inc | 11 | 6.875% | $235,000 | 7.7% |
| Northpointe Bank | 11 | 6.000% | $565,000 | 0.0% |
| SUCCESS LENDING, LLC | 11 | 6.500% | $225,000 | 8.3% |
| International Bank of Chicago | 11 | Not published | $335,000 | 0.0% |
| Home State Bank, National Association | 11 | 6.875% | $145,000 | 8.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.250% | $395,000 | 69.1% |
| Equity Prime Mortgage LLC | 10 | 6.125% | $280,000 | 37.5% |
| DEEPHAVEN MORTGAGE LLC | 10 | 6.750% | $215,000 | 47.6% |
| AMERICAN INTERNET MORTGAGE, INC. | 10 | 5.500% | $465,000 | 9.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 10 | 6.495% | $425,000 | 6.7% |
| Citadel Servicing Corporation | 10 | 7.563% | $260,000 | 0.0% |
| Community Savings Bank | 10 | Not published | $310,000 | 8.3% |
| Merchants Bank of Indiana | 10 | 6.375% | $475,000 | 9.1% |
| POINT MORTGAGE CORPORATION | 10 | 6.433% | $330,000 | 0.0% |
| First National Bank of Brookfield | 10 | Not published | $480,000 | 0.0% |
| NMSI, INC. | 10 | 6.563% | $360,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 52.6% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 13.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| American Community Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CROWN MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 23.8% |
| University of Wisconsin Credit Union | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Old Plank Trail Community Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 25.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Albany Bank and Trust Company National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| The Northern Trust Company | 7 | Under 10 loans | Under 10 loans | 22.2% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Central Bank Illinois | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CIBC Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Central Federal Savings and Loan Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank of Hegewisch | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| CENTRAL CREDIT UNION OF ILLINOIS | 6 | Under 10 loans | Under 10 loans | 40.0% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| UIF CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CORPORATE AMERICA FAMILY | 6 | Under 10 loans | Under 10 loans | 14.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 300 lenders each made 6 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.