Cash-out refinancing lenders in McLean County
385 cash-out refinancing mortgages were made in McLean County, Illinois, in 2025, by 102 lenders. The median rate their borrowers got was 6.875% on a median loan of $135,000. Of 551 decisions, 145 were denials — 26.3%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 97 | 7.625% | $125,000 | 23.1% |
| ILLINOIS STATE | 28 | 7.000% | $55,000 | 0.0% |
| Flanagan State Bank | 19 | 7.750% | $65,000 | 4.8% |
| CITIZENS EQUITY FIRST | 18 | 6.290% | $175,000 | 10.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 6.687% | $220,000 | 32.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | 15 | 6.750% | $185,000 | 0.0% |
| PNC Bank, National Association | 11 | 6.875% | $145,000 | 8.3% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 68.8% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Heartland Bank and Trust Company | 9 | Under 10 loans | Under 10 loans | 18.8% |
| Busey Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Prairie State Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Gibson City | 8 | Under 10 loans | Under 10 loans | 0.0% |
| IAA Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Credit Union For All | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of Pontiac | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 73.3% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First State Bank of Forrest | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300Q6X2WV4PYYV564 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Illinois Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND OF LINCOLN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidAmerica National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INB, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Bank SB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Morton Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DAS Acquisition Company, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.