Refinancing lenders in DuPage County
3,479 refinancing mortgages were made in DuPage County, Illinois, in 2025, by 308 lenders. The median rate their borrowers got was 6.125% on a median loan of $335,000. Of 4,322 decisions, 694 were denials — 16.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 375 | 5.949% | $365,000 | 9.8% |
| JPMorgan Chase Bank, National Association | 247 | 5.990% | $355,000 | 7.0% |
| Fifth Third Bank, National Association | 199 | 7.500% | $185,000 | 22.3% |
| Rocket Mortgage, LLC | 181 | 5.990% | $335,000 | 17.0% |
| GUARANTEED RATE, INC. | 166 | 6.250% | $425,000 | 2.3% |
| PNC Bank, National Association | 114 | 7.740% | $150,000 | 29.7% |
| COMPASS MORTGAGE, INC. | 98 | 6.625% | $375,000 | 0.0% |
| First American Bank | 94 | 7.250% | $150,000 | 23.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 89 | 6.240% | $335,000 | 2.1% |
| U.S. Bank National Association | 79 | 6.250% | $395,000 | 10.9% |
| Bank of America, National Association | 70 | 5.875% | $225,000 | 29.7% |
| The Huntington National Bank | 67 | 7.490% | $255,000 | 46.5% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 5.990% | $365,000 | 10.8% |
| Fairway Independent Mortgage Corporation | 60 | 6.125% | $365,000 | 6.3% |
| THE LOAN STORE, INC. | 60 | 6.375% | $265,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 50 | 6.490% | $345,000 | 5.3% |
| UNION HOME MORTGAGE CORP. | 48 | 6.250% | $365,000 | 4.0% |
| NEWREZ LLC | 47 | 5.990% | $375,000 | 24.2% |
| GREENSTATE Credit Union | 45 | 6.490% | $285,000 | 7.8% |
| Barrington Bank & Trust Company, National Association | 39 | 5.990% | $345,000 | 2.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 38 | 6.125% | $355,000 | 13.6% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.250% | $355,000 | 6.7% |
| OriginPoint, LLC | 32 | 5.990% | $535,000 | 0.0% |
| Homeland Mortgage Company | 31 | 5.990% | $375,000 | 0.0% |
| ALLIANT CREDIT UNION | 30 | 7.750% | $255,000 | 16.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.125% | $415,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 28 | 6.990% | $190,000 | 39.1% |
| UNITED HOME LOANS, INC. | 25 | 6.125% | $475,000 | 0.0% |
| Citizens Bank, National Association | 24 | 7.525% | $205,000 | 20.0% |
| NATIONSTAR MORTGAGE LLC | 24 | 5.990% | $350,000 | 13.8% |
| LOWER, LLC | 23 | 6.375% | $405,000 | 4.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 23 | 6.000% | $415,000 | 4.2% |
| Old National Bank | 22 | 6.063% | $250,000 | 41.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 22 | 5.933% | $285,000 | 18.5% |
| Broker Solutions, Inc. | 19 | 6.624% | $435,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 19 | 6.125% | $275,000 | 7.1% |
| Loandepot.Com, LLC | 19 | 6.125% | $355,000 | 20.8% |
| A & N MORTGAGE SERVICES, INC. | 19 | 6.375% | $375,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 18 | 5.990% | $355,000 | 65.4% |
| KEY MORTGAGE SERVICES, INC. | 18 | 6.188% | $300,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 6.250% | $325,000 | 7.4% |
| Associated Bank, National Association | 17 | 6.750% | $255,000 | 29.2% |
| Lisle Savings Bank | 16 | Not published | $385,000 | 5.6% |
| Prosperity Home Mortgage, LLC | 16 | 5.875% | $415,000 | 15.8% |
| GUARANTEED RATE AFFINITY, LLC | 16 | 6.045% | $420,000 | 0.0% |
| Citibank, National Association | 15 | 5.625% | $945,000 | 0.0% |
| Wheaton Bank & Trust, N.A. | 15 | Not published | $915,000 | 0.0% |
| A&D Mortgage LLC | 14 | 6.125% | $365,000 | 12.5% |
| Lendage, LLC | 14 | 11.188% | $105,000 | 11.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.995% | $395,000 | 6.7% |
| First National Bank of Omaha | 13 | 2.990% | $155,000 | 13.3% |
| CIBM Bank | 13 | 6.000% | $305,000 | 0.0% |
| Hinsdale Bank & Trust Company | 13 | Not published | $795,000 | 0.0% |
| DuPage Credit Union | 12 | 6.000% | $290,000 | 25.0% |
| TOWNE MORTGAGE COMPANY | 12 | 6.125% | $395,000 | 0.0% |
| T2 FINANCIAL LLC | 12 | 6.250% | $590,000 | 0.0% |
| PHH Mortgage Corporation | 11 | 5.990% | $465,000 | 15.4% |
| MLD MORTGAGE INC. | 11 | 6.125% | $535,000 | 7.7% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 11 | 6.750% | $605,000 | 0.0% |
| American Commercial Bank & Trust, National Association | 11 | 6.719% | $65,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 5.813% | $430,000 | 44.4% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.625% | $230,000 | 47.4% |
| Old Second National Bank | 10 | 6.563% | $365,000 | 9.1% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LEADERONE FINANCIAL CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 36.4% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 75.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| UIF CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NUMARK CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Itasca Bank & Trust Co. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE ANDERSON FINANCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Iroquois Federal Savings and Loan Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HealthCare Associates Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 25.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| North Shore Trust and Savings | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Schaumburg Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Marquette Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Brookfield | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROWN MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TrustBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Village Bank and Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank for Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Providence Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University of Illinois Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lakeside Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ADVIA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 108 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.