CONSUMER REAL ESTATE FINANCE CO.
CONSUMER REAL ESTATE FINANCE CO. received 2,642 applications in 2025 and made 1,566 mortgages, in 954 counties across 32 states. The median rate its borrowers got was 6.875% on a median loan of $175,000. Of 2,334 decisions, 767 were denials — 32.9%, most often for credit application incomplete. 78 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300PJ2WT35S77Q208 |
|---|---|
| Applications received | 2,642 |
| Mortgages made | 1,566 |
| Denied | 767 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 308 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.831 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,137 | 6.875% | $175,000 | 33.1% |
| Refinancing | 25 | 6.875% | $255,000 | 46.8% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 404 | 6.990% | $165,000 | 31.1% |
Where CONSUMER REAL ESTATE FINANCE CO. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 119 | 6.875% | 20.7% |
| La Crosse County, WI | 108 | 6.750% | 13.6% |
| Cuyahoga County, OH | 34 | 6.625% | 29.2% |
| DuPage County, IL | 27 | 6.625% | 20.6% |
| McHenry County, IL | 21 | 6.625% | 27.6% |
| Will County, IL | 21 | 6.990% | 19.2% |
| Kane County, IL | 20 | 6.875% | 16.7% |
| Broward County, FL | 19 | 6.875% | 34.5% |
| Monroe County, WI | 19 | 6.875% | 5.0% |
| Lorain County, OH | 18 | 6.688% | 30.8% |
| Lake County, IL | 13 | 6.625% | 23.5% |
| Dakota County, MN | 11 | 6.750% | 15.4% |
| Bay County, FL | 10 | 6.750% | 33.3% |
| Sarasota County, FL | 10 | 6.433% | 9.1% |
| Wayne County, MI | 9 | Under 10 loans | 18.2% |
| Luzerne County, PA | 8 | Under 10 loans | 11.1% |
| LaSalle County, IL | 7 | Under 10 loans | 12.5% |
| Ashtabula County, OH | 7 | Under 10 loans | 36.4% |
| Allegheny County, PA | 7 | Under 10 loans | 12.5% |
| Trempealeau County, WI | 7 | Under 10 loans | 12.5% |
| Brevard County, FL | 6 | Under 10 loans | 0.0% |
| Manatee County, FL | 6 | Under 10 loans | 14.3% |
| Franklin County, IL | 6 | Under 10 loans | 14.3% |
| Clare County, MI | 6 | Under 10 loans | 0.0% |
| Summit County, OH | 6 | Under 10 loans | 14.3% |
| Schuylkill County, PA | 6 | Under 10 loans | 14.3% |
| Mobile County, AL | 5 | Under 10 loans | 50.0% |
| Gulf County, FL | 5 | Under 10 loans | 37.5% |
| Hillsborough County, FL | 5 | Under 10 loans | 16.7% |
| Kendall County, IL | 5 | Under 10 loans | 16.7% |
| Madison County, IL | 5 | Under 10 loans | 16.7% |
| Sangamon County, IL | 5 | Under 10 loans | 0.0% |
| Vermilion County, IL | 5 | Under 10 loans | 28.6% |
| Winnebago County, IL | 5 | Under 10 loans | 37.5% |
| Tuscola County, MI | 5 | Under 10 loans | 16.7% |
| Winona County, MN | 5 | Under 10 loans | 0.0% |
| Columbiana County, OH | 5 | Under 10 loans | 37.5% |
| Lake County, OH | 5 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 5 | Under 10 loans | 16.7% |
| Spartanburg County, SC | 5 | Under 10 loans | 37.5% |
| Vernon County, WI | 5 | Under 10 loans | 16.7% |
| Madison County, AL | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 33.3% |
| Volusia County, FL | 4 | Under 10 loans | 20.0% |
| Macon County, IL | 4 | Under 10 loans | 42.9% |
| Stephenson County, IL | 4 | Under 10 loans | 0.0% |
| Blackford County, IN | 4 | Under 10 loans | 0.0% |
| Lake County, IN | 4 | Under 10 loans | 33.3% |
| Madison County, IN | 4 | Under 10 loans | 50.0% |
| Hamilton County, OH | 4 | Under 10 loans | 0.0% |
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When CONSUMER REAL ESTATE FINANCE CO.’s figures are published for the next year, or restated.
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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.