Refinancing lenders in Lake County
2,671 refinancing mortgages were made in Lake County, Illinois, in 2025, by 285 lenders. The median rate their borrowers got was 6.125% on a median loan of $315,000. Of 3,355 decisions, 549 were denials — 16.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 300 | 5.991% | $355,000 | 7.9% |
| JPMorgan Chase Bank, National Association | 154 | 6.125% | $375,000 | 7.6% |
| Rocket Mortgage, LLC | 120 | 5.875% | $305,000 | 18.9% |
| PNC Bank, National Association | 114 | 5.875% | $125,000 | 19.0% |
| GUARANTEED RATE, INC. | 98 | 6.250% | $440,000 | 5.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 96 | 6.125% | $375,000 | 0.0% |
| Fifth Third Bank, National Association | 96 | 7.520% | $155,000 | 26.3% |
| Old National Bank | 69 | 5.850% | $145,000 | 34.9% |
| PENNYMAC LOAN SERVICES, LLC | 67 | 5.990% | $315,000 | 16.9% |
| Barrington Bank & Trust Company, National Association | 61 | 6.125% | $375,000 | 11.4% |
| Bank of America, National Association | 54 | 5.808% | $230,000 | 26.7% |
| First American Bank | 53 | 7.500% | $135,000 | 23.6% |
| UNION HOME MORTGAGE CORP. | 49 | 5.990% | $425,000 | 5.5% |
| The Huntington National Bank | 43 | 7.125% | $325,000 | 38.9% |
| Fairway Independent Mortgage Corporation | 41 | 6.250% | $365,000 | 0.0% |
| NEWREZ LLC | 39 | 6.125% | $375,000 | 27.8% |
| FREEDOM MORTGAGE CORPORATION | 39 | 6.250% | $315,000 | 7.9% |
| Abbott Laboratories Employees Credit Union | 39 | Not published | $195,000 | 2.5% |
| THE LOAN STORE, INC. | 35 | 6.375% | $255,000 | 2.6% |
| Loandepot.Com, LLC | 32 | 6.125% | $310,000 | 20.0% |
| U.S. Bank National Association | 30 | 6.285% | $445,000 | 22.5% |
| T2 FINANCIAL LLC | 30 | 6.125% | $565,000 | 0.0% |
| Mortgage Research Center, LLC | 28 | 5.933% | $325,000 | 32.6% |
| CONSUMERS COOPERATIVE CREDIT UNION | 27 | 5.875% | $155,000 | 15.2% |
| TOWNE MORTGAGE COMPANY | 25 | 6.375% | $335,000 | 0.0% |
| GREENSTATE Credit Union | 24 | 6.125% | $315,000 | 3.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.375% | $385,000 | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 5.875% | $440,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 6.250% | $305,000 | 48.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 21 | 6.250% | $285,000 | 16.0% |
| Citibank, National Association | 21 | 5.750% | $515,000 | 4.4% |
| PLANET HOME LENDING, LLC | 21 | 6.250% | $285,000 | 12.5% |
| Homeland Mortgage Company | 21 | 6.000% | $355,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 20 | 6.188% | $270,000 | 4.6% |
| OriginPoint, LLC | 19 | 6.250% | $605,000 | 0.0% |
| A&D Mortgage LLC | 19 | 6.125% | $435,000 | 4.8% |
| Broker Solutions, Inc. | 17 | 6.500% | $495,000 | 10.5% |
| Baxter Credit Union | 16 | 5.813% | $290,000 | 14.8% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.475% | $385,000 | 16.7% |
| A & N MORTGAGE SERVICES, INC. | 15 | 6.125% | $375,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $195,000 | 42.3% |
| Lendage, LLC | 14 | 11.125% | $105,000 | 6.7% |
| Kiavi Funding, Inc. | 13 | 7.375% | $175,000 | 18.8% |
| Prosperity Home Mortgage, LLC | 13 | 5.875% | $405,000 | 7.1% |
| RESICENTRAL, LLC | 13 | 6.625% | $295,000 | 6.7% |
| MLD MORTGAGE INC. | 13 | 6.625% | $555,000 | 0.0% |
| Waterman State Bank | 13 | Not published | $735,000 | 0.0% |
| LOWER, LLC | 12 | 6.125% | $485,000 | 13.3% |
| ALLIANT CREDIT UNION | 12 | 7.500% | $155,000 | 35.0% |
| ADVIA Federal Credit Union | 12 | 7.500% | $245,000 | 7.7% |
| Associated Bank, National Association | 11 | 7.000% | $115,000 | 57.7% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.375% | $315,000 | 42.9% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 11 | 6.250% | $375,000 | 0.0% |
| Loan Funder LLC | 11 | 7.300% | $205,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.120% | $305,000 | 23.1% |
| ROYAL UNITED MORTGAGE LLC | 10 | 6.563% | $120,000 | 21.4% |
| Citizens Bank, National Association | 10 | 8.150% | $185,000 | 28.6% |
| PHH Mortgage Corporation | 10 | 6.875% | $320,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.933% | $530,000 | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 10 | Not published | $465,000 | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 10 | Not published | $920,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 75.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 10.5% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| COMPASS MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone National Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Community Trust Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Atlantic Coast Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| North Shore Trust and Savings | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northbrook Bank and Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of the Lakes, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank for Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank Chicago | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HealthCare Associates Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Evergreen Bank Group | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Metro Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wintrust Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T73HGYTHZBWG27 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Brookfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank And Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankFinancial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROWN MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Holcomb Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 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 85 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.