Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cook County, Illinois
Every institution that decided a 1–4 unit mortgage application in Cook County, home to Chicago, between 2023 and 2025: 272,147 applications, 201,173 loans actually funded, across 8 kinds of borrowing.
Cook County at a glance
272,147Applications decided
2023–2025
201,173Loans funded
74% of decisions
1,331Census tracts
166 ZIP codes
5,185,812People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Investment home improvement is the hardest money to get here: lenders approved 35% of 1,992 applications.
Lending by loan type in Cook County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.2% | 147,922 | $285K | 97% | 768 |
| Home improvement loans | 50.1% | 31,973 | $95K | 91% | 254 |
| Cash-out refinance | 61.2% | 33,904 | $165K | 95% | 443 |
| Refinance | 76.0% | 29,774 | $325K | 94% | 495 |
| Investment property purchase | 84.0% | 15,812 | $205K | 94% | 540 |
| Investment cash-out refinance | 73.1% | 7,111 | $195K | 92% | 299 |
| Investment refinance | 77.5% | 3,659 | $225K | 94% | 325 |
| Investment home improvement | 34.9% | 1,992 | $135K | 91% | 149 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.