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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Cook County, Illinois

Fat Boy Data analyzed investment 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. 1,992 applications were decided by 149 lenders between 2023 and 2025.

Cook County at a glance

149Active lenders21 with 20+ decisions
34.9%Market approval rate695 of 1,992 decided
$135KTypical loanmedian lender, $10K brackets
91%Borrower take-up633 loans funded

How Cook County compares

Approval rate compared
Cook County34.9%Illinois46.4%All 616 counties51.2%
Typical loan compared
Cook County$135KIllinois$95KAll 616 counties$115K

What the data shows

Deephaven Mortgage LLC made the most investment home improvement loans in Cook County, IL, 47 of them.

Abl Rpc Residential Credit Acquisition LLC approved the highest share of applications among lenders with at least 20 decisions here, 93% of 44.

Lenders approved 34.9% of investment home improvement loan applications in Cook County, IL, 11.5 percentage points below the Illinois rate of 46.4%.

The typical investment home improvement loan here is $135K, 42% larger than the Illinois typical of $95K.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 21 lenders with 20+ decisions here
0%25%50%75%100%Fifth Third Bank, National Association: 6% approved of 160Navy Federal Credit Union: 9% approved of 138Lendingone, LLC: 9% approved of 43Bank of America, National Association: 11% approved of 113U.S. Bank National Association: 11% approved of 113Old National Bank: 11% approved of 36The Huntington National Bank: 12% approved of 165BMO Bank National Association: 18% approved of 241Spring Eq, LLC: 19% approved of 42PNC Bank, National Association: 22% approved of 59First American Bank: 27% approved of 22Guaranteed Rate, Inc.: 53% approved of 38Kind Lending, LLC: 55% approved of 22JPMorgan Chase Bank, National Association: 62% approved of 42Figure Lending LLC: 66% approved of 80Deephaven Mortgage LLC: 68% approved of 72Rocket Mortgage, LLC: 71% approved of 35Rpe Home Inc.: 78% approved of 36Homebridge Financial Services, Inc.: 85% approved of 26Marquette Bank: 90% approved of 20Abl Rpc Residential Credit Acquisition LLC: 93% approved of 44

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

Investment property improvement lenders in Cook County

LenderApprovalApprovedTaken upTypical loanLoans made
1BMO Bank National Association18%43 / 24193%$105K40
2The Huntington National Bank12%19 / 165100%$135K19
3Fifth Third Bank, National Association6%10 / 16090%$95K9
4Navy Federal Credit Union9%12 / 138100%$75K12
5Bank of America, National Association11%12 / 113100%$235K12

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 144 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Cook County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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  • Typical loan and full range
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