Cash-out refinancing lenders in Will County
2,477 cash-out refinancing mortgages were made in Will County, Illinois, in 2025, by 257 lenders. The median rate their borrowers got was 7.250% on a median loan of $185,000. Of 3,684 decisions, 1,071 were denials — 29.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 540 | 8.750% | $110,000 | 20.1% |
| BMO Bank National Association | 188 | 8.330% | $140,000 | 20.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 174 | 6.547% | $235,000 | 31.3% |
| JPMorgan Chase Bank, National Association | 97 | 6.625% | $185,000 | 18.5% |
| NEWREZ LLC | 90 | 8.250% | $95,000 | 49.2% |
| GUARANTEED RATE, INC. | 69 | 6.625% | $255,000 | 12.5% |
| AmeriSave Mortgage Corporation | 68 | 8.250% | $85,000 | 67.6% |
| FREEDOM MORTGAGE CORPORATION | 62 | 6.250% | $260,000 | 29.3% |
| Loandepot.Com, LLC | 59 | 6.375% | $195,000 | 34.4% |
| U.S. Bank National Association | 51 | 8.450% | $145,000 | 27.0% |
| GREENSTATE Credit Union | 46 | 7.535% | $130,000 | 7.7% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 6.490% | $225,000 | 25.8% |
| NATIONSTAR MORTGAGE LLC | 42 | 6.563% | $215,000 | 28.8% |
| The Huntington National Bank | 40 | 7.410% | $180,000 | 34.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.625% | $175,000 | 60.2% |
| Broker Solutions, Inc. | 29 | 6.990% | $215,000 | 25.6% |
| Wells Fargo Bank, National Association | 26 | 6.875% | $210,000 | 16.1% |
| Old Second National Bank | 26 | 7.250% | $125,000 | 15.2% |
| LOWER, LLC | 25 | 7.125% | $255,000 | 18.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 25 | 6.625% | $355,000 | 3.9% |
| THE LOAN STORE, INC. | 25 | 7.250% | $275,000 | 7.4% |
| Loan Funder LLC | 25 | 7.200% | $215,000 | 0.0% |
| CREDIT UNION 1 | 23 | 6.990% | $85,000 | 36.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.750% | $225,000 | 8.0% |
| GUILD MORTGAGE COMPANY | 20 | 7.990% | $195,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.250% | $295,000 | 42.4% |
| Barrington Bank & Trust Company, National Association | 17 | 6.625% | $205,000 | 15.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 16 | 5.490% | $120,000 | 5.9% |
| Navy Federal Credit Union | 15 | 8.250% | $225,000 | 30.4% |
| Grundy Bank | 15 | 6.750% | $145,000 | 0.0% |
| DuPage Credit Union | 14 | 7.250% | $125,000 | 41.7% |
| Fairway Independent Mortgage Corporation | 12 | 6.933% | $240,000 | 29.4% |
| Coastal Community Bank | 11 | 10.740% | $105,000 | 0.0% |
| SPRING EQ, LLC | 11 | 11.650% | $85,000 | 71.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 8.624% | $165,000 | 31.3% |
| First American Bank | 11 | 6.875% | $245,000 | 17.7% |
| North Shore Trust and Savings | 11 | Not published | $285,000 | 15.4% |
| TOWNE MORTGAGE COMPANY | 11 | 6.500% | $205,000 | 0.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| QUORUM FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 31.3% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Flanagan State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 79.4% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 74.2% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Busey Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NUMARK CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Marquette Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 85.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FAY SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCIAL PLUS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST STATE MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 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% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 94.1% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TECH Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of St. Anne | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Trust and Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INOVA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vermilion Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IAA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Lakes Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 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 57 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.