Cash-out refinancing lenders in DuPage County
2,591 cash-out refinancing mortgages were made in DuPage County, Illinois, in 2025, by 262 lenders. The median rate their borrowers got was 7.375% on a median loan of $205,000. Of 3,644 decisions, 923 were denials — 25.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 386 | 8.625% | $115,000 | 17.0% |
| BMO Bank National Association | 236 | 8.130% | $195,000 | 25.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 135 | 7.000% | $255,000 | 21.9% |
| JPMorgan Chase Bank, National Association | 119 | 6.625% | $235,000 | 24.8% |
| U.S. Bank National Association | 101 | 8.450% | $155,000 | 24.7% |
| The Huntington National Bank | 94 | 8.090% | $205,000 | 19.2% |
| DuPage Credit Union | 93 | 7.500% | $145,000 | 23.6% |
| CONSUMERS COOPERATIVE CREDIT UNION | 90 | 5.490% | $105,000 | 7.8% |
| NEWREZ LLC | 85 | 8.250% | $95,000 | 43.0% |
| GUARANTEED RATE, INC. | 70 | 6.825% | $315,000 | 5.4% |
| Loandepot.Com, LLC | 63 | 6.990% | $265,000 | 21.0% |
| AmeriSave Mortgage Corporation | 48 | 8.938% | $85,000 | 74.0% |
| Old Second National Bank | 45 | 7.250% | $130,000 | 14.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 44 | 7.250% | $320,000 | 2.2% |
| GREENSTATE Credit Union | 38 | 7.240% | $170,000 | 13.0% |
| NATIONSTAR MORTGAGE LLC | 32 | 6.750% | $260,000 | 20.0% |
| THE LOAN STORE, INC. | 32 | 7.000% | $245,000 | 2.8% |
| CREDIT UNION 1 | 31 | 5.990% | $85,000 | 27.9% |
| LOWER, LLC | 31 | 7.250% | $305,000 | 13.9% |
| FREEDOM MORTGAGE CORPORATION | 27 | 6.375% | $295,000 | 36.2% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.562% | $240,000 | 13.3% |
| GUILD MORTGAGE COMPANY | 26 | 7.313% | $205,000 | 20.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 26 | 7.063% | $280,000 | 3.7% |
| Coastal Community Bank | 25 | 9.990% | $105,000 | 0.0% |
| Broker Solutions, Inc. | 24 | 7.250% | $230,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 23 | 7.250% | $245,000 | 11.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.500% | $275,000 | 21.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 8.000% | $145,000 | 62.2% |
| Loan Funder LLC | 19 | 7.170% | $335,000 | 17.4% |
| Wells Fargo Bank, National Association | 17 | 6.500% | $235,000 | 22.7% |
| Navy Federal Credit Union | 17 | 7.650% | $275,000 | 22.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 8.308% | $155,000 | 5.9% |
| SPRING EQ, LLC | 14 | 9.038% | $125,000 | 48.3% |
| Barrington Bank & Trust Company, National Association | 14 | 7.000% | $275,000 | 6.3% |
| First American Bank | 13 | 6.625% | $185,000 | 17.7% |
| STG MORTGAGE INC | 13 | 7.490% | $235,000 | 27.8% |
| Fifth Third Bank, National Association | 12 | 6.745% | $210,000 | 35.0% |
| Citibank, National Association | 12 | 7.588% | $135,000 | 36.8% |
| QUORUM FEDERAL CREDIT UNION | 12 | 9.000% | $110,000 | 50.0% |
| The Federal Savings Bank | 11 | 6.625% | $275,000 | 21.4% |
| GUIDANCE RESIDENTIAL, LLC | 11 | 6.875% | $215,000 | 5.6% |
| AMWEST FUNDING CORP. | 10 | 7.688% | $380,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 54.2% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MLD MORTGAGE INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TOWNE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 77.8% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Trust and Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Wheaton Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NORTHROP GRUMMAN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST NORTHERN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Busey Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hinsdale Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Homeland Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROWN MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PROPER RATE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Byron Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Brookfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dundee Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marquette Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IAA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 1 | 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 62 lenders each made 1 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.