HomeIllinoisMcLean CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in McLean County, Illinois

Fat Boy Data analyzed cash-out refinance activity in McLean 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. 1,172 applications were decided by 114 lenders between 2023 and 2025.

McLean County at a glance

114Active lenders18 with 20+ decisions
72.5%Market approval rate850 of 1,172 decided
$125KTypical loanmedian lender, $10K brackets
95%Borrower take-up807 loans funded

How McLean County compares

Approval rate compared
McLean County72.5%Illinois66.4%All 616 counties68.2%
Typical loan compared
McLean County$125KIllinois$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in McLean County, IL, 203 of them.

That is 25% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

First State Mortgage Services, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 26.

Lenders approved 72.5% of cash-out refinance applications in McLean County, IL, 6.2 percentage points above the Illinois rate of 66.4%.

The typical cash-out refinance here is $125K, 19% smaller than the Illinois typical of $155K.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 31% approved of 70Newrez LLC: 33% approved of 24Carrington Mortgage Services, LLC: 45% approved of 20Loandepot.Com, LLC: 45% approved of 31Freedom Mortgage Corporation: 69% approved of 29Heartland Bank And Trust Company: 69% approved of 42Pennymac Loan Services, LLC: 76% approved of 21Rocket Mortgage, LLC: 78% approved of 268Nationstar Mortgage LLC: 78% approved of 23Busey Bank: 79% approved of 34United Wholesale Mortgage, LLC: 80% approved of 44First State Bank and Trust: 82% approved of 22PNC Bank, National Association: 87% approved of 23Flanagan State Bank: 91% approved of 47Citizens Equity First Credit Union: 92% approved of 38IAA Credit Union: 97% approved of 33Illinois State Credit Union: 98% approved of 46First State Mortgage Services, LLC: 100% approved of 26

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

Cash-out refinance lenders in McLean County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC78%209 / 26897%$125K203
2Amerisave Mortgage Corporation31%22 / 7095%$95K21
3Flanagan State Bank91%43 / 4798%$65K42
4Illinois State Credit Union98%45 / 46100%$45K45
5United Wholesale Mortgage, LLCBroker only80%35 / 4491%$195K32

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 109 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in McLean 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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