Largest lenders in Cook County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 80 | 17 | 48.8% | 8.90% |
| 2 | First Commerce Credit Union | C | 44 | 24 | 29.6% | 7.62% |
| 3 | Vanderbilt Mortgage and Finance | F | 43 | 4 | 53.5% | 10.88% |
| 4 | Rocket Mortgage | C | 35 | 25 | 20.0% | 6.49% |
| 5 | Triad Financial Services | D | 35 | 5 | 54.3% | 9.66% |
| 6 | Mortgage Research Center | C | 21 | 10 | 14.3% | 6.56% |
| 7 | United Shore Financial Services | B | 18 | 15 | 5.6% | 6.13% |
| 8 | Farmers & Merchants Bank | A | 17 | 16 | 0.0% | — |
| 9 | Banksouth Mortgage Company | A | 16 | 13 | 6.3% | 6.38% |
| 10 | Freedom Mortgage | B | 16 | 4 | 12.5% | 6.25% |
| 11 | AmeriSave Mortgage | D | 15 | 4 | 46.7% | 6.25% |
| 12 | Ameris Bank | B | 13 | 7 | 7.7% | 6.38% |
| 13 | Broker Solutions | D | 11 | 1 | 18.2% | 6.88% |
| 14 | Pennymac Loan Services | C | 10 | 5 | 10.0% | 6.75% |
| 15 | Renasant Bank | B | 10 | 4 | 50.0% | 6.88% |
| 16 | Fairway Independent Mortgage | B | 9 | 4 | 0.0% | 6.75% |
| 17 | Truist Bank | C | 8 | 1 | 75.0% | 8.00% |
| 18 | Loandepot.Com | D | 8 | 5 | 25.0% | 7.25% |
| 19 | Colony Bank | B | 8 | 6 | 0.0% | 6.37% |
| 20 | Crosscountry Mortgage | B | 7 | 4 | 0.0% | 6.75% |
| 21 | New Day Financial | F | 7 | 1 | 28.6% | 5.99% |
| 22 | Credit Human Federal Credit Union | D | 7 | 3 | 28.6% | 8.60% |
| 23 | FirstBank | C | 7 | 0 | 85.7% | — |
| 24 | Bank of America | F | 6 | 1 | 50.0% | 6.75% |
| 25 | Synovus Bank | D | 5 | 4 | 0.0% | 7.04% |
Best approval odds in Cook County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 56 | 69.6% |
What Cook County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cook County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 436 | 193 | 33.3% | 7.00% | $115,000 |
| 2024 | 524 | 218 | 31.1% | 6.93% | $125,000 |
| 2025 | 635 | 271 | 28.7% | 6.63% | $135,000 |
Frequently asked questions
28.7% of applications in Cook County were denied in 2025, against 19.2% statewide in Georgia.
21st Mortgage, with 80 applications in 2025 and a denial rate of 48.8%.
The median mortgage application in Cook County in 2025 was for $135,000; the median property value on originated loans was $215,000.