Cash-out refinancing lenders in Sangamon County
524 cash-out refinancing mortgages were made in Sangamon County, Illinois, in 2025, by 92 lenders. The median rate their borrowers got was 7.000% on a median loan of $95,000. Of 726 decisions, 181 were denials — 24.9%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HEARTLAND | 188 | 7.000% | $55,000 | 10.4% |
| Rocket Mortgage, LLC | 72 | 7.250% | $105,000 | 26.7% |
| Bank of Springfield | 20 | 6.638% | $155,000 | 20.0% |
| CITIZENS EQUITY FIRST | 20 | 6.750% | $95,000 | 4.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 5.999% | $175,000 | 25.0% |
| Security Bank, s.b. | 15 | Not published | $95,000 | 0.0% |
| AmeriSave Mortgage Corporation | 12 | 8.188% | $65,000 | 72.1% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.250% | $215,000 | 20.0% |
| Alliance Community Bank | 11 | Not published | $115,000 | 15.4% |
| Heartland Bank and Trust Company | 10 | 7.275% | $80,000 | 25.0% |
| CREDIT UNION 1 | 9 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| INB, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| United Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Prairie State Bank and Trust | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 57.1% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Williamsville State Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hickory Point Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Bankers Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| West Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Buena Vista National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| StanCorp Mortgage Investors, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NFM, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| CROSSCOUNTRY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| United Trust Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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 |
| ALLIANT CREDIT UNION | 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.