Home›Illinois›Cook County›Home improvement loans
home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Cook County, Illinois

Fat Boy Data analyzed home improvement loan 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. 31,973 applications were decided by 254 lenders between 2023 and 2025.

Cook County at a glance

254Active lenders72 with 20+ decisions
50.1%Market approval rate16,009 of 31,973 decided
$95KTypical loanmedian lender, $10K brackets
91%Borrower take-up14,555 loans funded

How Cook County compares

Approval rate compared
Cook County50.1%Illinois57.9%All 616 counties62.7%
Typical loan compared
Cook County$95KIllinois$75KAll 616 counties$75K

What the data shows

The Huntington National Bank made the most home improvement loans in Cook County, IL, 1,927 of them.

USAlliance Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 96% of 83.

Lenders approved 50.1% of home improvement loan applications in Cook County, IL, 7.8 percentage points below the Illinois rate of 57.9%.

The typical home improvement loan here is $95K, 27% larger than the Illinois typical of $75K.

Only 3 lenders here typically write at or below $35K: Marquette Bank, Hoyne Savings Bank, Shoreham Bank.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%One lender: 17% approved of 35One lender: 22% approved of 49One lender: 24% approved of 1,350U.S. Bank National Association: 30% approved of 2,424One lender: 31% approved of 667Bank of America, National Association: 35% approved of 3,376One lender: 40% approved of 174One lender: 40% approved of 52One lender: 43% approved of 672The Huntington National Bank: 43% approved of 4,702Fifth Third Bank, National Association: 45% approved of 2,335One lender: 45% approved of 647One lender: 48% approved of 224One lender: 49% approved of 304BMO Bank National Association: 49% approved of 2,645One lender: 50% approved of 209One lender: 50% approved of 72One lender: 50% approved of 30One lender: 50% approved of 28One lender: 50% approved of 312One lender: 51% approved of 83One lender: 51% approved of 39One lender: 52% approved of 989One lender: 52% approved of 326One lender: 53% approved of 1,723One lender: 56% approved of 198One lender: 58% approved of 81One lender: 59% approved of 29One lender: 59% approved of 158One lender: 61% approved of 31One lender: 62% approved of 127One lender: 63% approved of 1,548One lender: 66% approved of 85One lender: 66% approved of 346One lender: 67% approved of 317One lender: 67% approved of 58One lender: 68% approved of 96One lender: 68% approved of 87One lender: 69% approved of 64One lender: 69% approved of 95One lender: 70% approved of 723One lender: 70% approved of 40One lender: 71% approved of 236One lender: 75% approved of 40One lender: 77% approved of 222One lender: 77% approved of 71One lender: 78% approved of 80One lender: 78% approved of 500One lender: 78% approved of 93One lender: 81% approved of 145One lender: 82% approved of 336One lender: 86% approved of 208One lender: 86% approved of 29One lender: 87% approved of 70One lender: 88% approved of 241One lender: 89% approved of 53One lender: 90% approved of 40One lender: 95% approved of 42One lender: 96% approved of 83One lender: 97% approved of 908

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.

Home improvement loan lenders in Cook County

LenderApprovalApprovedTaken upTypical loanLoans made
1The Huntington National Bank43%2,026 / 4,70295%$95K1,927
2Bank of America, National Association35%1,176 / 3,37697%$95K1,139
3BMO Bank National Association49%1,297 / 2,64596%$105K1,243
4U.S. Bank National Association30%734 / 2,42496%$75K704
5Fifth Third Bank, National Association45%1,061 / 2,33595%$85K1,003

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 249 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan 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

We email you the unlock link plus occasional updates on this market. We may also share your interest with mortgage providers so they can contact you.See how we use your data. Unsubscribe any time.

Also active in Cook County

PNC Bank, National AssociationFirst American BankDiscover BankOld National BankCoastal Community BankFigure Lending LLCNavy Federal Credit UnionSpring Eq, LLCAlliant Credit UnionMarquette BankGuaranteed Rate, Inc.JPMorgan Chase Bank, National AssociationCitizens Bank, National AssociationThird Federal Savings And Loan Association Of ClevelandAssociated Bank, National AssociationCitibank, National AssociationConsumers Cooperative Credit UnionEvergreen Bank GroupPentagon Federal Credit UnionBaxter Credit UnionGreat LakesGREENSTATE Credit UnionHealthCare Associates Credit UnionFourleafRocket Mortgage, LLCNationstar Mortgage LLCAmerican Airlines Federal Credit UnionNumark Credit UnionCrosscountry Mortgage, LLCLendage, LLC

Other lending data for Cook County

Mortgage lenders in Cook CountyCash-out refinance 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 overviewHome improvement loans across IllinoisStatewideDuPage CountyNearby countyKane CountyNearby countyLake CountyNearby countyMcHenry CountyNearby countyWill CountyNearby county