Refinancing lenders in Will County
2,790 refinancing mortgages were made in Will County, Illinois, in 2025, by 282 lenders. The median rate their borrowers got was 6.125% on a median loan of $305,000. Of 3,611 decisions, 669 were denials — 18.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 443 | 5.899% | $445,000 | 7.1% |
| Rocket Mortgage, LLC | 154 | 5.990% | $325,000 | 21.1% |
| JPMorgan Chase Bank, National Association | 118 | 5.990% | $295,000 | 4.7% |
| PNC Bank, National Association | 110 | 7.490% | $155,000 | 22.7% |
| GUARANTEED RATE, INC. | 100 | 6.325% | $340,000 | 7.0% |
| Fifth Third Bank, National Association | 91 | 7.740% | $155,000 | 29.0% |
| FREEDOM MORTGAGE CORPORATION | 85 | 6.250% | $325,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 5.990% | $285,000 | 14.8% |
| First American Bank | 57 | 7.500% | $105,000 | 31.8% |
| Old National Bank | 53 | 6.310% | $125,000 | 32.6% |
| THE LOAN STORE, INC. | 50 | 6.375% | $265,000 | 1.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 48 | 6.125% | $345,000 | 11.1% |
| NEWREZ LLC | 44 | 6.250% | $345,000 | 31.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 43 | 6.125% | $315,000 | 6.0% |
| Bank of America, National Association | 37 | 5.990% | $125,000 | 46.4% |
| UNION HOME MORTGAGE CORP. | 37 | 6.125% | $345,000 | 9.8% |
| The Huntington National Bank | 36 | 6.740% | $230,000 | 38.3% |
| GREENSTATE Credit Union | 36 | 6.683% | $205,000 | 21.3% |
| Homeland Mortgage Company | 36 | 5.813% | $460,000 | 0.0% |
| Loandepot.Com, LLC | 34 | 6.125% | $345,000 | 25.0% |
| Fairway Independent Mortgage Corporation | 32 | 6.433% | $355,000 | 5.9% |
| U.S. Bank National Association | 32 | 6.495% | $265,000 | 22.0% |
| Barrington Bank & Trust Company, National Association | 32 | 6.125% | $290,000 | 0.0% |
| NUMARK CREDIT UNION | 31 | 6.375% | $195,000 | 13.9% |
| GUILD MORTGAGE COMPANY | 29 | 6.250% | $305,000 | 12.1% |
| COMPASS MORTGAGE, INC. | 29 | 6.625% | $305,000 | 3.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 25 | 6.125% | $295,000 | 7.1% |
| NATIONSTAR MORTGAGE LLC | 24 | 5.990% | $265,000 | 17.2% |
| Flanagan State Bank | 24 | 6.125% | $230,000 | 7.4% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 6.058% | $305,000 | 67.8% |
| LOWER, LLC | 21 | 6.625% | $365,000 | 8.3% |
| Mortgage Research Center, LLC | 20 | 5.750% | $400,000 | 35.5% |
| PLANET HOME LENDING, LLC | 20 | 5.750% | $360,000 | 12.5% |
| THE ANDERSON FINANCIAL GROUP, INC. | 18 | 5.990% | $380,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 17 | 6.990% | $125,000 | 39.3% |
| Midland States Bank | 17 | 6.500% | $95,000 | 10.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 5.990% | $300,000 | 10.7% |
| North Shore Trust and Savings | 16 | Not published | $315,000 | 10.0% |
| Ixonia Bank | 15 | 6.375% | $265,000 | 0.0% |
| ALLIANT CREDIT UNION | 15 | 7.750% | $195,000 | 25.0% |
| COVANTAGE CREDIT UNION | 15 | 6.250% | $295,000 | 0.0% |
| Busey Bank | 14 | 7.750% | $135,000 | 12.5% |
| Lendage, LLC | 14 | 11.063% | $85,000 | 6.3% |
| RESICENTRAL, LLC | 13 | 6.625% | $435,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.375% | $245,000 | 7.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.000% | $465,000 | 0.0% |
| American Commercial Bank & Trust, National Association | 13 | 6.000% | $215,000 | 0.0% |
| Broker Solutions, Inc. | 12 | 6.490% | $305,000 | 25.0% |
| A&D Mortgage LLC | 12 | 5.990% | $405,000 | 0.0% |
| Grundy Bank | 12 | 6.438% | $405,000 | 0.0% |
| Discover Bank | 11 | 9.380% | $105,000 | 70.3% |
| MLD MORTGAGE INC. | 10 | 6.125% | $350,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 10 | 6.183% | $345,000 | 7.7% |
| KEY MORTGAGE SERVICES, INC. | 10 | 6.125% | $285,000 | 0.0% |
| Marquette Bank | 10 | 6.125% | $210,000 | 0.0% |
| PACOR MORTGAGE CORP. | 10 | 6.875% | $290,000 | 0.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 9.1% |
| First Bank of Manhattan | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 25.0% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CROWN MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CIBM Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HealthCare Associates Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 12.5% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 16.7% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Old Plank Trail Community Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DuPage Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of St. Anne | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage 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% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lisle Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Old Second National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL CREDIT UNION OF ILLINOIS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Trust and Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 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% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 91.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 88.9% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank of Hegewisch | 1 | Under 10 loans | Under 10 loans | 50.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Chicago | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FNBC Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STREATOR ONIZED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T73HGYTHZBWG27 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone National Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 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 82 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.