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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Cook County, Illinois

Fat Boy Data analyzed cash-out refinance activity in Cook County, Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 33,904 applications were decided by 443 lenders between 2023 and 2025.

Cook County at a glance

443Active lenders117 with 20+ decisions
61.2%Market approval rate20,740 of 33,904 decided
$165KTypical loanmedian lender, $10K brackets
95%Borrower take-up19,617 loans funded

How Cook County compares

Approval rate compared
Cook County61.2%Illinois66.4%All 616 counties68.2%
Typical loan compared
Cook County$165KIllinois$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Cook County, IL, 3,572 of them.

GREENSTATE Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 91% of 236.

Lenders approved 61.2% of cash-out refinance applications in Cook County, IL, 5.2 percentage points below the Illinois rate of 66.4%.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 17% approved of 311Lakeview Loan Servicing, LLC: 19% approved of 385Network Capital Funding Corporation: 19% approved of 73Amerisave Mortgage Corporation: 19% approved of 2,501American Financing Corporation: 21% approved of 157Carrington Mortgage Services, LLC: 29% approved of 993Spring Eq, LLC: 35% approved of 155Navy Federal Credit Union: 38% approved of 296Newrez LLC: 39% approved of 1,558Neighborhood Loans, Inc.: 41% approved of 268Wells Fargo Bank, National Association: 47% approved of 423Village Capital & Investment LLC: 48% approved of 175Guaranteed Rate Affinity, LLC: 49% approved of 68New American Funding, LLC: 50% approved of 348Mutual of Omaha Mortgage, Inc.: 50% approved of 370Manufacturers and Traders Trust Company: 51% approved of 63Old National Bank: 53% approved of 87Credit Union 1: 53% approved of 1,173Loandepot.Com, LLC: 57% approved of 1,142Onity Mortgage Corporation: 57% approved of 107First American Bank: 58% approved of 161Freedom Mortgage Corporation: 58% approved of 659Quorum Federal Credit Union: 60% approved of 151Pennymac Loan Services, LLC: 61% approved of 473Flagstar Bank, National Association: 61% approved of 279The Federal Savings Bank: 61% approved of 199Amerihome Mortgage Company, LLC: 62% approved of 56Fifth Third Bank, National Association: 65% approved of 210Sun West Mortgage Company, Inc.: 67% approved of 91U.S. Bank National Association: 67% approved of 619BMO Bank National Association: 69% approved of 1,937United Wholesale Mortgage, LLC: 70% approved of 2,061The Huntington National Bank: 70% approved of 1,456Nationstar Mortgage LLC: 72% approved of 774Lower, LLC: 72% approved of 221Baxter Credit Union: 72% approved of 108Rocket Mortgage, LLC: 72% approved of 5,124Ocmbc, Inc.: 73% approved of 103Marquette Bank: 74% approved of 61Citibank, National Association: 74% approved of 145Plaza Home Mortgage, Inc.: 74% approved of 92Fairway Independent Mortgage Corporation: 74% approved of 188Sofi Bank, N.A.tional Association: 74% approved of 98Bank of America, National Association: 77% approved of 83PNC Bank, National Association: 77% approved of 66JPMorgan Chase Bank, National Association: 78% approved of 1,445American Pacific Mortgage Corporation: 79% approved of 156Guaranteed Rate, Inc.: 79% approved of 574Nations Lending Corporation: 80% approved of 55Guild Mortgage Company LLC: 83% approved of 154Consumers Cooperative Credit Union: 83% approved of 539Old Second National Bank: 85% approved of 85Barrington Bank & Trust Company, National Association: 85% approved of 249Union Home Mortgage Corp.: 85% approved of 105Equity Prime Mortgage LLC: 88% approved of 59Crosscountry Mortgage, LLC: 89% approved of 329GREENSTATE Credit Union: 91% approved of 236Citadel Servicing Corporation: 95% approved of 55Towne Mortgage Company: 96% approved of 113Coastal Community Bank: 98% approved of 132

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Cook County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC72%3,711 / 5,12496%$135K3,572
2Amerisave Mortgage Corporation19%487 / 2,50197%$105K470
3United Wholesale Mortgage, LLCBroker only70%1,435 / 2,06197%$205K1,389
4BMO Bank National Association69%1,343 / 1,93798%$155K1,312
5Newrez LLC39%610 / 1,55897%$115K594

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 438 more lenders.

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Other lending data for Cook County

Mortgage lenders in Cook CountyHome improvement loans in Cook CountyRefinance in Cook CountyInvestment property purchase in Cook CountyInvestment cash-out refinance in Cook CountyInvestment refinance in Cook CountyInvestment home improvement in Cook County

Nearby markets

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