Safe Rate Rankings
Best All Lender Mortgage Lenders in Chicago
Updated May 29, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders254
Total Loans69,290
Median Rate Spread0.45%
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
★ Chicago Exclusive Offer ★
Get a personalized quote from Safe Rate Mortgage (NMLS #1590949). Competitive rates, easy process, and a personal touch.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $894Fees | 0.049%Above | 826 | ||
2 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Exceptional | $1,772Credit | 0.106%Below | 702 | ||
3 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $909Fees | 0.018%Above | 452 | ||
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $520Fees | 0.097%Above | 305 | ||
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $275Fees | 0.438%Below | 221 | ||
6 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $876Credit | 0.180%Above | 1,680 | ||
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $173Fees | 0.152%Above | 1,013 | ||
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $501Credit | 0.216%Above | 937 | ||
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $533Fees | 0.502%Below | 312 | ||
10 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $731Fees | 0.031%Above | 224 | ||
11 | Busey BankBank | Exceptional | Strong | Exceptional | Strong | $788Fees | 0.667%Above | 160 | ||
12 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $686Fees | 0.045%Below | 147 | ||
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,875Fees | 0.444%Above | 5,055 | ||
 Verified Broker Partner Dylan HallSafe Rate Mortgage · NMLS #1658740 Dylan is a verified Safe Rate partner and licensed broker who actively works with UNITED WHOLESALE MORTGAGE, LLC. Also approved with: PENNYMAC LOAN SERVICES, LLC (#37) | ||||||||||
14 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,662Fees | 0.093%Below | 814 | ||
15 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $252Credit | 0.168%Above | 347 | ||
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,024Fees | 0.354%Above | 5,815 | ||
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,681Fees | 0.147%Above | 5,072 | ||
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,845Fees | 0.666%Above | 2,013 | ||
19 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,607Fees | 0.337%Above | 1,027 | ||
20 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,736Fees | 0.344%Above | 967 | ||
21 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,272Fees | 0.312%Above | 744 | ||
22 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,683Fees | 0.061%Below | 469 | ||
23 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,488Fees | 0.373%Above | 213 | ||
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $832Fees | 0.682%Above | 185 | ||
25 | CIBC Bank USABank | Strong | Strong | Sound | Strong | $1,094Credit | 0.159%Above | 185 | ||
26 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,762Fees | 0.474%Above | 177 | ||
27 | Marquette BankBank | Strong | Strong | Sound | Strong | $1,676Fees | 0.055%Above | 174 | ||
28 | ALLIANT CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $629Fees | 0.041%Above | 170 | ||
29 | NUMARK CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $1,361Fees | 0.198%Above | 152 | ||
30 | Liberty Bank for SavingsBank | Strong | Strong | Sound | Strong | $581Fees | 0.254%Below | 149 | ||
31 | First American BankBank | Strong | Strong | Sound | Strong | $1,203Fees | 0.144%Above | 141 | ||
32 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,536Fees | 0.424%Above | 3,770 | ||
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,744Fees | 0.649%Above | 2,058 | ||
34 | PROPER RATE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | $1,665Fees | 0.261%Above | 1,200 | ||
35 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,839Fees | 0.570%Above | 819 | ||
36 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,732Fees | 0.579%Above | 537 | ||
37 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $918Fees | 0.297%Above | 493 | ||
Verified Broker Partner Dylan HallSafe Rate Mortgage · NMLS #1658740 Dylan is a verified Safe Rate partner and licensed broker who actively works with PENNYMAC LOAN SERVICES, LLC. Also approved with: UNITED WHOLESALE MORTGAGE, LLC (#13) | ||||||||||
38 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,052Fees | 0.567%Above | 421 | ||
39 | NexBankBank | Strong | Sound | Strong | Strong | $1,482Fees | 0.416%Above | 243 | ||
40 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,724Fees | 0.418%Above | 206 | ||
41 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,831Fees | 0.552%Above | 3,117 | ||
42 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $1,916Fees | 0.445%Above | 1,731 | ||
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,394Fees | 0.604%Above | 814 | ||
44 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,472Fees | 0.561%Above | 734 | ||
45 | UNITED HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,965Fees | 0.395%Above | 389 | ||
46 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,264Fees | 0.341%Above | 276 | ||
47 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,237Fees | 0.442%Above | 225 | ||
48 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,617Fees | 0.414%Above | 178 | ||
49 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,876Fees | 0.696%Above | 166 | ||
50 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,557Fees | 0.504%Above | 159 | ||
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.