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Mortgage lending in Cook County, Illinois

Lenders in Cook County, Illinois reported 149,576 mortgage applications for 2025, according to the CFPB.

149,576 mortgage applications and 81,305 loans originated in 2025; the denial rate was 24.4% of 113,606 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Chicago-Joliet-Naperville, IL HUD Metro FMR Area.

149,576
Applications
81,305
Loans originated
24.4%
Denial rate
27,714 denied of 113,606 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Cook County, Illinois, by year
YearApplicationsOriginated
2025149,57681,305
2024133,92773,060
2023121,42366,291
2022170,19897,587
2021310,097198,417
2020301,689192,328
2019198,115120,563
2018170,14998,233

The largest lenders here

Lenders in Cook County, Illinois by loans originated, 2025
LenderOriginatedApplications
Guaranteed Rate, Inc.5,2719,523
JPMorgan Chase Bank, NA5,0407,881
United Wholesale Mortgage4,8056,828
Rocket Mortgage3,9555,900
Crosscountry Mortgage, LLC2,8804,589
Huntington National Bank2,7115,284
loanDepot.com LLC2,0973,492
Fairway Independent Mort Corp1,7762,654
Fifth Third Bank, National Association1,7264,075
US Bank, N.A.1,6314,053
Bank of America NA1,6213,791
BMO Harris Bank NA1,5833,482
Barrington Bank & Trust Company, N.A.1,4242,174
PNC Bank N.A.1,2992,551
Originpoint, LLC1,2272,003
A&N Mortgage Services, Inc.997997
Old National Bank9931,771
Greenstate Credit Union9481,507
Union Home Mortgage Corp.9211,261
Pennymac Loan Services LLC8771,886
Citibank, NA8741,806
First American Bank8621,601
American Pacific Mortgage Corporation8441,196
New American Funding, LLC.8401,878
Loan Funder LLC7781,336

Applications by race, ethnicity and sex, 2025

By race, Cook County, Illinois: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native98541.7% of 737 decided
Asian11,83421.7% of 8,872 decided
Black or African American23,93037.1% of 17,696 decided
Native Hawaiian or Other Pacific Islander20330.1% of 156 decided
White76,83120.1% of 60,530 decided
2 or more minority races41442.5% of 306 decided
Joint2,87312.3% of 2,186 decided
Free Form Text Only57no rate: base under 50
Race Not Available32,44927.2% of 23,083 decided
By ethnicity, Cook County, Illinois: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino26,87930.1% of 20,647 decided
Not Hispanic or Latino92,38922.4% of 71,225 decided
Joint3,20518.0% of 2,472 decided
Ethnicity Not Available27,05726.6% of 19,232 decided
Free Form Text Only46no rate: base under 50
By sex, Cook County, Illinois: applications and denial rate
CategoryApplicationsDenial rate
Male55,41527.3% of 42,037 decided
Female39,95828.0% of 30,529 decided
Joint37,76516.3% of 29,555 decided
Sex Not Available16,43825.3% of 11,485 decided

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Rankings this appears in

Sources

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved