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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, home to Chicago, 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%One lender: 17% approved of 311One lender: 19% approved of 385One lender: 19% approved of 73Amerisave Mortgage Corporation: 19% approved of 2,501One lender: 21% approved of 157One lender: 29% approved of 993One lender: 35% approved of 155One lender: 38% approved of 296Newrez LLC: 39% approved of 1,558One lender: 41% approved of 268One lender: 47% approved of 423One lender: 48% approved of 175One lender: 49% approved of 68One lender: 50% approved of 348One lender: 50% approved of 370One lender: 51% approved of 63One lender: 53% approved of 87One lender: 53% approved of 1,173One lender: 57% approved of 1,142One lender: 57% approved of 107One lender: 58% approved of 161One lender: 58% approved of 659One lender: 60% approved of 151One lender: 61% approved of 473One lender: 61% approved of 279One lender: 61% approved of 199One lender: 62% approved of 56One lender: 65% approved of 210One lender: 67% approved of 91One lender: 67% approved of 619BMO Bank National Association: 69% approved of 1,937United Wholesale Mortgage, LLC: 70% approved of 2,061One lender: 70% approved of 1,456One lender: 72% approved of 774One lender: 72% approved of 221One lender: 72% approved of 108Rocket Mortgage, LLC: 72% approved of 5,124One lender: 73% approved of 103One lender: 74% approved of 61One lender: 74% approved of 145One lender: 74% approved of 92One lender: 74% approved of 188One lender: 74% approved of 98One lender: 77% approved of 83One lender: 77% approved of 66One lender: 78% approved of 1,445One lender: 79% approved of 156One lender: 79% approved of 574One lender: 80% approved of 55One lender: 83% approved of 154One lender: 83% approved of 539One lender: 85% approved of 85One lender: 85% approved of 249One lender: 85% approved of 105One lender: 88% approved of 59One lender: 89% approved of 329One lender: 91% approved of 236One lender: 95% approved of 55One lender: 96% approved of 113One lender: 98% approved of 132

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 438 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in Cook County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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Also active in Cook County

The Huntington National BankJPMorgan Chase Bank, National AssociationCredit Union 1Loandepot.Com, LLCCarrington Mortgage Services, LLCNationstar Mortgage LLCFreedom Mortgage CorporationU.S. Bank National AssociationGuaranteed Rate, Inc.Consumers Cooperative Credit UnionPennymac Loan Services, LLCWells Fargo Bank, National AssociationLakeview Loan Servicing, LLCMutual of Omaha Mortgage, Inc.New American Funding, LLCCrosscountry Mortgage, LLCMortgage Research Center, LLCNavy Federal Credit UnionFlagstar Bank, National AssociationNeighborhood Loans, Inc.Barrington Bank & Trust Company, National AssociationGREENSTATE Credit UnionLower, LLCFifth Third Bank, National AssociationThe Federal Savings BankFairway Independent Mortgage CorporationVillage Capital & Investment LLCFirst American BankAmerican Financing CorporationAmerican Pacific Mortgage Corporation

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

All lending in Cook CountyCounty overviewCash-out refinance across IllinoisStatewideDuPage CountyNearby countyKane CountyNearby countyLake CountyNearby countyMcHenry CountyNearby countyWill CountyNearby county