Illinois · HMDA 2025
Mortgage lenders in Cook County, IL
793 lenders reported 169,779 home-loan applications in Cook County in 2025. 81,305 closed as loans ($31.0B), 27,714 were denied — a 24.4% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 17% of applications, led by JPMorgan Chase Bank, National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 169,779
- Loans originated
- 81,305
- Purchase / refinance
- 45,513 / 24,114
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cook County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11,089 | 6.5% | 14.1% |
| 2 | GUARANTEED RATE, INC. | 11,057 | 6.5% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 6,857 | 4.0% | — |
| 4 | Rocket Mortgage, LLC | 6,151 | 3.6% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 6,099 | 3.6% | 39.5% |
| 6 | The Huntington National Bank 59 out of 100, Moderate | 5,424 | 3.2% | 31.6% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 5,091 | 3.0% | — |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 4,594 | 2.7% | — |
| 9 | Bank of America, National Association 59 out of 100, Moderate | 4,433 | 2.6% | 44.7% |
| 10 | Fifth Third Bank, National Association 62 out of 100, Moderate | 4,392 | 2.6% | 34.0% |
| 11 | BMO Bank National Association 83 out of 100, Strong | 3,607 | 2.1% | 40.5% |
| 12 | NEWREZ LLC | 3,592 | 2.1% | — |
| 13 | Loandepot.Com, LLC | 3,500 | 2.1% | — |
| 14 | PNC Bank, National Association 62 out of 100, Moderate | 3,229 | 1.9% | 33.8% |
| 15 | Fairway Independent Mortgage Corporation | 2,732 | 1.6% | — |
| 16 | Citibank, National Association 60 out of 100, Moderate | 2,639 | 1.6% | 24.0% |
| 17 | NATIONSTAR MORTGAGE LLC | 2,214 | 1.3% | — |
| 18 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 2,179 | 1.3% | 9.1% |
| 19 | OriginPoint, LLC | 2,003 | 1.2% | — |
| 20 | Broker Solutions, Inc. | 1,878 | 1.1% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 1,851 | 1.1% | — |
| 22 | Coastal Community Bank 35 out of 100, Low | 1,779 | 1.0% | 3.0% |
| 23 | Old National Bank 59 out of 100, Moderate | 1,776 | 1.0% | 22.1% |
| 24 | FREEDOM MORTGAGE CORPORATION | 1,628 | 1.0% | — |
| 25 | First American Bank 63 out of 100, Moderate | 1,601 | 0.9% | 33.0% |
| 26 | GREENSTATE Credit Union 50 out of 100, Below average | 1,509 | 0.9% | 10.1% |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 1,499 | 0.9% | 32.9% |
| 28 | AmeriSave Mortgage Corporation | 1,404 | 0.8% | — |
| 29 | Loan Funder LLC | 1,336 | 0.8% | — |
| 30 | SPRING EQ, LLC | 1,296 | 0.8% | — |
| 31 | UNION HOME MORTGAGE CORP. | 1,267 | 0.7% | — |
| 32 | Mortgage Research Center, LLC | 1,264 | 0.7% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 1,247 | 0.7% | — |
| 34 | AMERICAN PACIFIC MORTGAGE CORPORATION | 1,202 | 0.7% | — |
| 35 | FIGURE LENDING LLC | 1,184 | 0.7% | — |
| 36 | Discover Bank | 1,125 | 0.7% | — |
| 37 | GUARANTEED RATE AFFINITY, LLC | 1,039 | 0.6% | — |
| 38 | GUILD MORTGAGE COMPANY | 1,031 | 0.6% | — |
| 39 | THE LOAN STORE, INC. | 1,001 | 0.6% | — |
| 40 | A & N MORTGAGE SERVICES, INC. | 997 | 0.6% | — |
Top 40 of 793 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Illinois
- DuPage County 34,312 apps
- Will County 32,608 apps
- Lake County 28,380 apps
- Kane County 21,571 apps
- McHenry County 15,435 apps
- Madison County 11,927 apps
- St. Clair County 11,502 apps
- Winnebago County 11,200 apps
- Kendall County 7,582 apps
- Sangamon County 7,080 apps
- Peoria County 6,053 apps
- McLean County 6,052 apps