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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 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%Scott Credit Union: 17% approved of 35Credit Union 1: 22% approved of 49Discover Bank: 24% approved of 1,350U.S. Bank National Association: 30% approved of 2,424Spring Eq, LLC: 31% approved of 667Bank of America, National Association: 35% approved of 3,376Fourleaf: 40% approved of 174Regions Bank: 40% approved of 52Navy Federal Credit Union: 43% approved of 672The Huntington National Bank: 43% approved of 4,702Fifth Third Bank, National Association: 45% approved of 2,335Alliant Credit Union: 45% approved of 647Pentagon Federal Credit Union: 48% approved of 224Citibank, National Association: 49% approved of 304BMO Bank National Association: 49% approved of 2,645Great Lakes: 50% approved of 209Loandepot.Com, LLC: 50% approved of 72Shoreham Bank: 50% approved of 30First National Bank of Omaha: 50% approved of 28Associated Bank, National Association: 50% approved of 312New American Funding, LLC: 51% approved of 83Connexus Credit Union: 51% approved of 39Old National Bank: 52% approved of 989Citizens Bank, National Association: 52% approved of 326PNC Bank, National Association: 53% approved of 1,723HealthCare Associates Credit Union: 56% approved of 198DuPage Credit Union: 58% approved of 81Peoples Bank: 59% approved of 29Rocket Mortgage, LLC: 59% approved of 158Better Mortgage Corporation: 61% approved of 31American Airlines Federal Credit Union: 62% approved of 127First American Bank: 63% approved of 1,548TOWER Federal Credit Union: 66% approved of 85Guaranteed Rate, Inc.: 66% approved of 346Third Federal Savings And Loan Association Of Cleveland: 67% approved of 317The Loan Store, Inc.: 67% approved of 58Numark Credit Union: 68% approved of 96Polish & Slavic: 68% approved of 87Illiana Financial Credit Union: 69% approved of 64Crosscountry Mortgage, LLC: 69% approved of 95Figure Lending LLC: 70% approved of 723Corporate America Family: 70% approved of 40Evergreen Bank Group: 71% approved of 236Central Credit Union of Illinois: 75% approved of 40Baxter Credit Union: 77% approved of 222First Northern: 77% approved of 71Homebridge Financial Services, Inc.: 78% approved of 80Marquette Bank: 78% approved of 500Lendage, LLC: 78% approved of 93Nationstar Mortgage LLC: 81% approved of 145JPMorgan Chase Bank, National Association: 82% approved of 336GREENSTATE Credit Union: 86% approved of 208Union Home Mortgage Corp.: 86% approved of 29Busey Bank: 87% approved of 70Consumers Cooperative Credit Union: 88% approved of 241Hoyne Savings Bank: 89% approved of 53Barrington Bank & Trust Company, National Association: 90% approved of 40Partnership Financial Credit Union: 95% approved of 42USAlliance Federal Credit Union: 96% approved of 83Coastal Community Bank: 97% approved of 908

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

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 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 249 more lenders.

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Other lending data for Cook County

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Nearby markets

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