Largest lenders in Cook County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guaranteed Rate | B | 9,523 | 5,271 | 5.2% | 6.70% |
| 2 | JPMorgan Chase Bank | B | 7,881 | 5,040 | 9.5% | 6.38% |
| 3 | United Shore Financial Services | B | 6,828 | 4,805 | 14.6% | 6.62% |
| 4 | Rocket Mortgage | C | 5,900 | 3,955 | 22.2% | 6.75% |
| 5 | The Huntington National Bank | D | 5,284 | 2,711 | 33.1% | 6.88% |
| 6 | Crosscountry Mortgage | B | 4,589 | 2,880 | 4.3% | 6.75% |
| 7 | Fifth Third Bank | D | 4,075 | 1,726 | 35.6% | 7.25% |
| 8 | U.S. Bank | D | 4,053 | 1,631 | 41.1% | 6.99% |
| 9 | Bank of America | F | 3,791 | 1,621 | 34.1% | 5.99% |
| 10 | Loandepot.Com | D | 3,492 | 2,097 | 16.0% | 6.88% |
| 11 | BMO Bank | F | 3,482 | 1,583 | 35.7% | 8.23% |
| 12 | Fairway Independent Mortgage | B | 2,654 | 1,776 | 6.4% | 6.88% |
| 13 | Newrez | D | 2,583 | 751 | 21.9% | 6.75% |
| 14 | PNC Bank | D | 2,551 | 1,299 | 29.8% | 6.99% |
| 15 | Barrington Bank & Trust Company | C | 2,174 | 1,424 | 6.6% | 6.63% |
| 16 | OriginPoint | B | 2,003 | 1,227 | 2.7% | 6.63% |
| 17 | Neighborhood Loans | C | 1,988 | 539 | 54.9% | 8.50% |
| 18 | Pennymac Loan Services | C | 1,886 | 877 | 14.1% | 6.50% |
| 19 | Broker Solutions | D | 1,878 | 840 | 9.3% | 6.88% |
| 20 | Citibank | B | 1,806 | 874 | 15.6% | 6.25% |
| 21 | Coastal Community Bank | C | 1,779 | 449 | 3.5% | 10.49% |
| 22 | Old National Bank | B | 1,771 | 993 | 26.4% | 6.25% |
| 23 | First American Bank | C | 1,601 | 862 | 33.0% | 7.03% |
| 24 | GREENSTATE Credit Union | B | 1,507 | 948 | 10.4% | 6.63% |
| 25 | Navy Federal Credit Union | D | 1,493 | 499 | 33.4% | 7.65% |
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 | Nmsi | 52 | 0.0% |
| 2 | Crown Mortgage | 66 | 0.0% |
| 3 | Lakeside Bank | 71 | 0.0% |
| 4 | Homeland Mortgage | 84 | 0.0% |
| 5 | Dominion Financial Services | 92 | 0.0% |
| 6 | New Wave Lending Group | 76 | 0.0% |
| 7 | Northbrook Bank and Trust Company | 87 | 0.0% |
| 8 | Selfreliance Federal Credit Union | 134 | 0.0% |
| 9 | Velocity Commercial Capital | 210 | 0.0% |
| 10 | A & N Mortgage Services | 997 | 0.0% |
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 | 121,423 | 66,291 | 20.4% | 6.97% | $205,000 |
| 2024 | 133,927 | 73,060 | 20.4% | 6.99% | $215,000 |
| 2025 | 149,576 | 81,305 | 18.5% | 6.75% | $235,000 |
Frequently asked questions
18.5% of applications in Cook County were denied in 2025, against 17.1% statewide in Illinois.
Guaranteed Rate, with 9,523 applications in 2025 and a denial rate of 5.2%.
The median mortgage application in Cook County in 2025 was for $235,000; the median property value on originated loans was $385,000.