# Best Bank Mortgage Lenders in Chicago

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

Compare the top banks offering mortgages in Chicago. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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, Safe Rate Mortgage, United Wholesale Mortgage
- **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 | The Huntington National Bank | 86 | 61 | 75 | 1,680 | Bank |
| 2 | U.S. Bank National Association | 86 | 75 | 71 | 1,013 | Bank |
| 3 | Fifth Third Bank, National Association | 86 | 62 | 62 | 937 | Bank |
| 4 | Old National Bank | 86 | 84 | 70 | 452 | Bank |
| 5 | Associated Bank, National Association | 86 | 93 | 72 | 305 | Bank |
| 6 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 221 | Bank |
| 7 | Busey Bank | 86 | 63 | 84 | 160 | Bank |
| 8 | Citibank, National Association | 84 | 87 | 58 | 702 | Bank |
| 9 | Bank of America, National Association | 80 | 73 | 75 | 814 | Bank |
| 10 | PNC Bank, National Association | 80 | 71 | 61 | 347 | Bank |
| 11 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 5,072 | Bank |
| 12 | NBKC BANK | 78 | 91 | 59 | 147 | Bank |
| 13 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 469 | Bank |
| 14 | NexBank | 73 | 41 | 66 | 243 | Bank |
| 15 | CIBC Bank USA | 73 | 79 | 54 | 185 | Bank |
| 16 | Marquette Bank | 73 | 63 | 58 | 174 | Bank |
| 17 | Liberty Bank for Savings | 73 | 65 | 50 | 149 | Bank |
| 18 | First American Bank | 73 | 78 | 40 | 141 | Bank |
| 19 | Barrington Bank & Trust Company, National Association | 68 | 36 | 69 | 1,731 | Bank |
| 20 | BMO Bank National Association | 66 | 60 | 57 | 453 | Bank |
| 21 | CIBM Bank | 66 | 45 | 56 | 215 | Bank |
| 22 | Home State Bank, National Association | 66 | 42 | 57 | 148 | Bank |
| 23 | Flagstar Bank, N.A. | 63 | 40 | 76 | 460 | Bank |
| 24 | Ixonia Bank | 50 | 17 | 78 | 333 | Bank |
| 25 | The Federal Savings Bank | 49 | 16 | 49 | 728 | Bank |

## 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.