Safe Rate Rankings
Best Conventional 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%
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $894Fees | 0.049%Above | 826 | ||
2 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,772Credit | 0.106%Below | 702 | ||
3 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $909Fees | 0.018%Above | 452 | ||
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $520Fees | 0.097%Above | 305 | ||
5 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $876Credit | 0.180%Above | 1,680 | ||
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $173Fees | 0.152%Above | 1,013 | ||
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $533Fees | 0.502%Below | 312 | ||
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $731Fees | 0.031%Above | 224 | ||
9 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $501Credit | 0.216%Above | 937 | ||
10 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,662Fees | 0.093%Below | 814 | ||
11 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $252Credit | 0.168%Above | 347 | ||
12 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $275Fees | 0.438%Below | 221 | ||
13 | Busey BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $788Fees | 0.667%Above | 160 | ||
14 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $686Fees | 0.045%Below | 147 | ||
15 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,681Fees | 0.147%Above | 5,072 | ||
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,845Fees | 0.666%Above | 2,013 | ||
17 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,916Fees | 0.445%Above | 1,731 | ||
18 | BAY EQUITY LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,272Fees | 0.312%Above | 744 | ||
19 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,683Fees | 0.061%Below | 469 | ||
20 | GMFS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,762Fees | 0.474%Above | 177 | ||
21 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | 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 (#35) | |||||||||||
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536Fees | 0.424%Above | 3,770 | ||
23 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,607Fees | 0.337%Above | 1,027 | ||
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,694Fees | 0.399%Above | 501 | ||
25 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $406Fees | 0.420%Above | 453 | ||
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,315Fees | 0.500%Above | 263 | ||
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $832Fees | 0.682%Above | 185 | ||
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,024Fees | 0.354%Above | 5,815 | ||
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831Fees | 0.552%Above | 3,117 | ||
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744Fees | 0.649%Above | 2,058 | ||
31 | PROPER RATE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,665Fees | 0.261%Above | 1,200 | ||
32 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,736Fees | 0.344%Above | 967 | ||
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,839Fees | 0.570%Above | 819 | ||
34 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,472Fees | 0.561%Above | 734 | ||
35 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | 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 (#21) | |||||||||||
36 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $1,482Fees | 0.416%Above | 243 | ||
37 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,794Fees | 0.594%Above | 234 | ||
38 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $1,325Fees | 0.441%Above | 215 | ||
39 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,488Fees | 0.373%Above | 213 | ||
40 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,724Fees | 0.418%Above | 206 | ||
41 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,557Fees | 0.504%Above | 159 | ||
42 | Home State Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $1,744Fees | 0.458%Above | 148 | ||
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,394Fees | 0.604%Above | 814 | ||
44 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $377Fees | 0.318%Above | 717 | ||
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,479Fees | 0.565%Above | 675 | ||
46 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,732Fees | 0.579%Above | 537 | ||
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,367Fees | 0.559%Above | 460 | ||
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,615Fees | 0.489%Above | 361 | ||
49 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,265Fees | 0.650%Above | 303 | ||
50 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,442Fees | 0.486%Above | 298 | ||
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.