2025 activity year · County-level source proof
Cook County mortgage market
Reported county-level mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated54.2% · 81,305
Approved, not accepted3.1% · 4,587
Denied18.5% · 27,714
Withdrawn17.4% · 26,093
File closed for incompleteness6.6% · 9,877
Preapproval denied0.1% · 89
Preapproval approved, not accepted0.2% · 259
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
47%Home purchase
- Home purchase47.4%
- Home improvement9.7%
- Other purpose10.8%
- Not applicable0.0%
- Refinancing16.1%
- Cash-out refinancing16.0%
Lender-reported reasons
Why applications were reported denied.
These are historical reason codes reported by lenders—not our assessment of an applicant, a prediction, or evidence of unlawful conduct. A denied application can have more than one reason.
Reason for denial
Share of denied decisions
Debt-to-income ratio35.5% · 9,880
Credit history25.6% · 7,112
Collateral22.7% · 6,318
Credit application incomplete15.7% · 4,356
Other11.6% · 3,222
Unverifiable information7.0% · 1,940
Insufficient cash4.9% · 1,374
Employment history1.9% · 524
Each percentage uses all application and preapproval denial decisions as its denominator. Shares are not additive because lenders may report up to four reasons.
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Data provenance
County FIPS 17031, with two reconciled years.
This profile identifies the activity year, cohort rules, aggregate and row-level CSV endpoints, response hashes, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 19, 2026.