# Best Mortgage Lenders in Chicago

**As of:** 2026-05-29

Compare the top mortgage lenders in Chicago. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/chicago/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Local Featured Partners

Safe Rate partners with local mortgage experts to provide exceptional service in Chicago.

### Dylan Hall (Safe Rate Mortgage)
- **NMLS:** 1658740
- **Partnered Lenders:** Equity Prime Mortgage, Lendsure Mortgage, PENNYMAC LOAN SERVICES, LLC, Safe Rate Mortgage, UNITED WHOLESALE MORTGAGE, LLC
- **View Profile & Get Quote:** https://saferate.com/brokers/dylan-hall-1658740

## Market Statistics

- **Total Lenders:** 254
- **Total Loans:** 69,290
- **Median Rate Spread:** 0.4462418032786885%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 89 | 84 | 826 | Credit Union |
| 2 | The Huntington National Bank | 86 | 61 | 75 | 1,680 | Bank |
| 3 | U.S. Bank National Association | 86 | 75 | 71 | 1,013 | Bank |
| 4 | Fifth Third Bank, National Association | 86 | 62 | 62 | 937 | Bank |
| 5 | Old National Bank | 86 | 84 | 70 | 452 | Bank |
| 6 | Associated Bank, National Association | 86 | 93 | 72 | 305 | Bank |
| 7 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 221 | Bank |
| 8 | Busey Bank | 86 | 63 | 84 | 160 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 5,055 | Independent Mortgage Company |
| 10 | Citibank, National Association | 84 | 87 | 58 | 702 | Bank |
| 11 | Bank of America, National Association | 80 | 73 | 75 | 814 | Bank |
| 12 | PNC Bank, National Association | 80 | 71 | 61 | 347 | Bank |
| 13 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 5,815 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 5,072 | Bank |
| 15 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 2,013 | Independent Mortgage Company |
| 16 | A & N MORTGAGE SERVICES, INC. | 78 | 49 | 66 | 1,027 | Independent Mortgage Company |
| 17 | KEY MORTGAGE SERVICES, INC. | 78 | 45 | 63 | 967 | Independent Mortgage Company |
| 18 | BAY EQUITY LLC | 78 | 43 | 65 | 744 | Independent Mortgage Company |
| 19 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 312 | Credit Union |
| 20 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 224 | Independent Mortgage Company |
| 21 | MLD MORTGAGE INC. | 78 | 48 | 82 | 213 | Independent Mortgage Company |
| 22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 185 | Independent Mortgage Company |
| 23 | GMFS LLC | 78 | 53 | 85 | 177 | Independent Mortgage Company |
| 24 | NBKC BANK | 78 | 91 | 59 | 147 | Bank |
| 25 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 3,770 | Independent Mortgage Company |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 2,058 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 819 | Independent Mortgage Company |
| 28 | COMPASS MORTGAGE, INC. | 74 | 23 | 82 | 537 | Independent Mortgage Company |
| 29 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 493 | Independent Mortgage Company |
| 30 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 469 | Bank |
| 31 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 421 | Independent Mortgage Company |
| 32 | NexBank | 73 | 41 | 66 | 243 | Bank |
| 33 | POINT MORTGAGE CORPORATION | 73 | 41 | 67 | 206 | Independent Mortgage Company |
| 34 | CIBC Bank USA | 73 | 79 | 54 | 185 | Bank |
| 35 | Marquette Bank | 73 | 63 | 58 | 174 | Bank |
| 36 | ALLIANT CREDIT UNION | 73 | 78 | 42 | 170 | Credit Union |
| 37 | NUMARK CREDIT UNION | 73 | 65 | 57 | 152 | Credit Union |
| 38 | Liberty Bank for Savings | 73 | 65 | 50 | 149 | Bank |
| 39 | First American Bank | 73 | 78 | 40 | 141 | Bank |
| 40 | PROPER RATE, LLC | 71 | 47 | 54 | 1,200 | Independent Mortgage Company |
| 41 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 3,117 | Independent Mortgage Company |
| 42 | Barrington Bank & Trust Company, National Association | 68 | 36 | 69 | 1,731 | Bank |
| 43 | TOWNE MORTGAGE COMPANY | 68 | 40 | 79 | 734 | Independent Mortgage Company |
| 44 | UNITED HOME LOANS, INC. | 68 | 36 | 63 | 389 | Independent Mortgage Company |
| 45 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 814 | Independent Mortgage Company |
| 46 | T2 FINANCIAL LLC | 68 | 26 | 86 | 276 | Independent Mortgage Company |
| 47 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 225 | Independent Mortgage Company |
| 48 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 178 | Independent Mortgage Company |
| 49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 166 | Independent Mortgage Company |
| 50 | Nations Lending Corporation | 68 | 30 | 93 | 159 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Chicago.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.