What people paid for mortgages in Cook County, IL (2025)
Across 37,472 closed home-purchase loans in 2025, the median interest rate in Cook was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $6,859 on a median loan of $315,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.99%
- Median total loan costs
- $6,859
- Median loan amount
- $315,000
37,472 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $3,723
- Median loan amount
- $305,000
15,634 loans, 2025.
Lowest median rates in Cook (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.5.625%114 loans, median costs $2,824
- 2.Charles Schwab Bank, SSB5.625%92 loans, median costs $6,872
- 3.M/I FINANCIAL, LLC5.875%32 loans, median costs $22,996
- 4.UBS Bank USA6%43 loans, median costs $7,003
- 5.Stifel Bank and Trust6%31 loans, median costs $5,956
Among lenders with at least 30 closed purchase loans in Cook County in 2025.
Refinance
- 1.CONSUMERS COOPERATIVE CREDIT UNION5.49%71 loans, median costs $2,559
- 2.Bank of America, National Association5.75%188 loans, median costs $3,203
- 3.Citibank, National Association5.875%144 loans, median costs $2,888
- 4.Mortgage Research Center, LLC5.875%115 loans, median costs $4,218
- 5.Old National Bank5.875%90 loans, median costs $2,623
Among lenders with at least 30 closed refinance loans in Cook County in 2025.
Lender by lender in Cook
Every lender that closed at least 5 qualifying loans in Cook County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | GUARANTEED RATE, INC. | 3,571 | 6.65% | $6,771 | $1,640 | $1,247 |
| 2 | JPMorgan Chase Bank, National Association | 2,653 | 6.49% | $5,285 | $750 | $1,533 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 2,612 | 6.625% | $7,735 | $1,925 | $1,222 |
| 4 | CROSSCOUNTRY MORTGAGE, INC. | 1,883 | 6.75% | $7,231 | $1,790 | $2,309 |
| 5 | Rocket Mortgage, LLC | 1,487 | 6.625% | $7,240 | $2,188 | $2,450 |
| 6 | Fairway Independent Mortgage Corporation | 1,106 | 6.875% | $8,232 | $2,726 | $1,483 |
| 7 | Loandepot.Com, LLC | 1,094 | 6.75% | $10,145 | $3,080 | $1,921 |
| 8 | Barrington Bank & Trust Company, National Association | 981 | 6.625% | $6,500 | $1,515 | $1,217 |
| 9 | The Huntington National Bank | 927 | 6.5% | $6,800 | $1,395 | $2,173 |
| 10 | OriginPoint, LLC | 907 | 6.625% | $6,750 | $1,640 | $832 |
| 11 | A & N MORTGAGE SERVICES, INC. | 783 | 6.625% | $6,658 | $1,570 | $2,247 |
| 12 | Bank of America, National Association | 639 | 6.125% | $5,732 | $1,555 | $2,246 |
| 13 | AMERICAN PACIFIC MORTGAGE CORPORATION | 637 | 6.75% | $7,908 | $2,694 | $2,311 |
| 14 | UNION HOME MORTGAGE CORP. | 563 | 6.75% | $7,089 | $1,805 | $988 |
| 15 | Citibank, National Association | 542 | 6.125% | $6,588 | $1,090 | $1,406 |
| 16 | KEY MORTGAGE SERVICES, INC. | 520 | 6.75% | $6,902 | $1,720 | $760 |
| 17 | U.S. Bank National Association | 515 | 6.5% | $6,267 | $1,249 | $783 |
| 18 | Fifth Third Bank, National Association | 486 | 6.375% | $6,574 | $1,295 | $1,154 |
| 19 | GREENSTATE Credit Union | 474 | 6.5% | $6,070 | $1,200 | $695 |
| 20 | Broker Solutions, Inc. | 472 | 6.812% | $7,430 | $1,695 | $1,649 |
| 21 | Mortgage Research Center, LLC | 395 | 6.375% | $5,172 | $384 | $1,185 |
| 22 | GUARANTEED RATE AFFINITY, LLC | 393 | 6.75% | $6,763 | $1,640 | $1,054 |
| 23 | GUILD MORTGAGE COMPANY | 375 | 6.75% | $7,621 | $2,189 | $1,389 |
| 24 | Old National Bank | 373 | 6.375% | $5,956 | $1,100 | $541 |
| 25 | TOWNE MORTGAGE COMPANY | 350 | 6.625% | $7,691 | $1,790 | $950 |
| 26 | BMO Bank National Association | 316 | 6.625% | $6,935 | $1,397 | $750 |
| 27 | THE LOAN STORE, INC.broker only | 308 | 6.49% | $6,609 | $1,644 | $771 |
| 28 | PENNYMAC LOAN SERVICES, LLC | 272 | 6.625% | $7,767 | $1,870 | $1,232 |
| 29 | The Federal Savings Bank | 246 | 6.75% | $7,806 | $2,079 | $1,200 |
| 30 | RESICENTRAL, LLC | 241 | 6.625% | $8,153 | $1,454 | $1,069 |
| 31 | NEWREZ LLC | 234 | 6.625% | $7,494 | $1,590 | $1,497 |
| 32 | LEADERONE FINANCIAL CORPORATION | 226 | 6.875% | $7,112 | $1,690 | $2,208 |
| 33 | BAY EQUITY LLC | 224 | 6.75% | $6,343 | $1,390 | $1,405 |
| 34 | MOVEMENT MORTGAGE, LLC | 217 | 6.75% | $8,300 | $2,393 | $1,315 |
| 35 | Prosperity Home Mortgage, LLC | 209 | 6.75% | $6,789 | $1,695 | $1,850 |
| 36 | Associated Bank, National Association | 206 | 6.375% | $5,663 | $900 | $507 |
| 37 | PNC Bank, National Association | 205 | 6.5% | $6,174 | $1,310 | $511 |
| 38 | Wells Fargo Bank, National Association | 200 | 6.312% | $6,343 | $1,883 | $1,065 |
| 39 | Navy Federal Credit Union | 189 | 6.25% | $5,331 | $0 | $2,033 |
| 40 | COMPASS MORTGAGE, INC. | 187 | 6.75% | $7,405 | $1,499 | $1,675 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Cook figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Cook County in 2025?
The median interest rate on closed home-purchase loans in Cook County, Illinois in 2025 was 6.625%, across 37,472 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.99%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.