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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in Chicago

Updated February 5, 2026

Market Overview

254

Total Lenders

69,290

Total Loans

0.45%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	GREENSTATE Credit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$894	+0.049%	826
2	Citibank, National Association	Exceptional	Exceptional	Exceptional	Sound	Exceptional	-$1,772	-0.106%	702
3	Old National Bank	Exceptional	Exceptional	Exceptional	Strong	Strong	$909	+0.018%	452
4	Associated Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Strong	$520	+0.097%	305
5	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$876	+0.180%	1,680
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Exceptional	$173	+0.152%	1,013
7	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$533	-0.502%	312
8	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$731	+0.031%	224
9	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	-$501	+0.216%	937
10	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,662	-0.093%	814
11	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$252	+0.168%	347
12	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Strong	$275	-0.438%	221
13	Busey Bank	Exceptional	Strong	Strong	Exceptional	Strong	$788	+0.667%	160
14	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Strong	$686	-0.045%	147
15	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,681	+0.147%	5,072
16	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,845	+0.666%	2,013
17	Barrington Bank & Trust Company, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,916	+0.445%	1,731
18	BAY EQUITY LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,272	+0.312%	744
19	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,683	-0.061%	469
20	GMFS LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,762	+0.474%	177
21	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,875	+0.444%	5,055
22	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,536	+0.424%	3,770
23	A & N MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,607	+0.337%	1,027
24	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,694	+0.399%	501
25	BMO Bank National Association	Strong	Strong	Strong	Sound	Strong	$406	+0.420%	453
26	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,315	+0.500%	263
27	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$832	+0.682%	185
28	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,024	+0.354%	5,815
29	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,831	+0.552%	3,117
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,744	+0.649%	2,058
31	PROPER RATE, LLC	Strong	Sound	Strong	Sound	Exceptional	$1,665	+0.261%	1,200
32	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,736	+0.344%	967
33	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,839	+0.570%	819
34	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,472	+0.561%	734
35	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$918	+0.297%	493
36	NexBank	Strong	Sound	Strong	Strong	Strong	$1,482	+0.416%	243
37	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$1,794	+0.594%	234
38	CIBM Bank	Strong	Sound	Strong	Strong	Strong	$1,325	+0.441%	215
39	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$2,488	+0.373%	213
40	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Strong	$1,724	+0.418%	206
41	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,557	+0.504%	159
42	Home State Bank, National Association	Strong	Sound	Strong	Strong	Strong	$1,744	+0.458%	148
43	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,394	+0.604%	814
44	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$377	+0.318%	717
45	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,479	+0.565%	675
46	COMPASS MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,732	+0.579%	537
47	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,367	+0.559%	460
48	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,615	+0.489%	361
49	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,265	+0.650%	303
50	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,442	+0.486%	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

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