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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 FHA 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	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$876	+0.180%	1,680
3	Associated Bank, National Association	Exceptional	Exceptional	Strong	Strong	Strong	$520	+0.097%	305
4	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,875	+0.444%	5,055
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$173	+0.152%	1,013
6	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	-$501	+0.216%	937
7	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,472	+0.561%	734
8	Old National Bank	Exceptional	Exceptional	Strong	Sound	Strong	$909	+0.018%	452
9	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,052	+0.567%	421
10	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,442	+0.486%	298
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$832	+0.682%	185
12	CIBC Bank USA	Exceptional	Exceptional	Strong	Sound	Strong	-$1,094	+0.159%	185
13	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,762	+0.474%	177
14	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Strong	$686	-0.045%	147
15	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,845	+0.666%	2,013
16	A & N MORTGAGE SERVICES, INC.	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,607	+0.337%	1,027
17	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$918	+0.297%	493
18	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,536	+0.424%	3,770
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,744	+0.649%	2,058
20	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,839	+0.570%	819
21	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$377	+0.318%	717
22	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,367	+0.559%	460
23	RESICENTRAL, LLC	Strong	Strong	Strong	Sound	Strong	$334	+0.503%	378
24	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$252	+0.168%	347
25	M/I FINANCIAL, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,230	+0.106%	283
26	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$2,488	+0.373%	213
27	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,183	+0.556%	141
28	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,024	+0.354%	5,815
29	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,681	+0.147%	5,072
30	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,916	+0.445%	1,731
31	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,736	+0.344%	967
32	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,272	+0.312%	744
33	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,305	+0.625%	659
34	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,264	+0.341%	276
35	CIBM Bank	Strong	Sound	Strong	Strong	Strong	$1,325	+0.441%	215
36	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,876	+0.696%	166
37	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,557	+0.504%	159
38	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,394	+0.604%	814
39	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,016	+0.786%	728
40	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,479	+0.565%	675
41	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,082	+0.494%	632
42	COMPASS MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,732	+0.579%	537
43	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,496	+0.649%	264
44	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,315	+0.500%	263
45	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,237	+0.442%	225
46	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$1,880	+0.415%	222
47	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,311	+0.991%	200
48	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,554	+0.856%	194
49	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,617	+0.414%	178
50	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$1,746	+0.514%	153

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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