Cash-out refinancing lenders in Winnebago County
972 cash-out refinancing mortgages were made in Winnebago County, Illinois, in 2025, by 151 lenders. The median rate their borrowers got was 6.990% on a median loan of $115,000. Of 1,408 decisions, 381 were denials — 27.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 185 | 7.250% | $105,000 | 21.7% |
| BPL MORTGAGE TRUST, LLC | 61 | 7.875% | $85,000 | 9.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | 6.999% | $145,000 | 16.4% |
| GREENSTATE Credit Union | 43 | 6.625% | $165,000 | 22.8% |
| AmeriSave Mortgage Corporation | 34 | 7.188% | $85,000 | 62.2% |
| Members Alliance Credit Union | 34 | 5.875% | $130,000 | 2.9% |
| Stillman BancCorp N.A. | 30 | 6.850% | $65,000 | 26.8% |
| First Mid Bank & Trust, National Association | 29 | 6.875% | $155,000 | 27.5% |
| BMO Bank National Association | 28 | 8.480% | $100,000 | 31.7% |
| U.S. Bank National Association | 26 | 7.490% | $95,000 | 22.9% |
| Loandepot.Com, LLC | 23 | 6.625% | $155,000 | 30.3% |
| NATIONSTAR MORTGAGE LLC | 20 | 7.058% | $130,000 | 23.1% |
| NEWREZ LLC | 19 | 7.875% | $65,000 | 52.5% |
| JPMorgan Chase Bank, National Association | 17 | 6.750% | $105,000 | 4.8% |
| FIRST NORTHERN Credit Union | 17 | 7.125% | $115,000 | 15.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 11.115% | $155,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.375% | $155,000 | 38.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.438% | $115,000 | 46.4% |
| CONSUMERS COOPERATIVE CREDIT UNION | 14 | 6.990% | $80,000 | 37.5% |
| The First National Bank and Trust Company | 14 | 7.125% | $65,000 | 12.5% |
| NEW DAY FINANCIAL, LLC | 12 | 7.063% | $235,000 | 31.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 7.125% | $135,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.375% | $135,000 | 47.4% |
| ILLINOIS STATE | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| German-American State Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHWEST BANK OF ROCKFORD | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Union Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 46.7% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| First Community CU of Beloit | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 57.1% |
| Midland States Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Byron Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT UNION 1 | 3 | Under 10 loans | Under 10 loans | 62.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 42.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Holcomb Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PRIDE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Charles Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| University of Wisconsin Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First American Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Bank of Brodhead | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CBI Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITY BANC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EDUCATORS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PRINCETON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Ameris Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Johnson Financial Group | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.