Safe Rate Rankings
Best Jumbo 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 | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $173Fees | 0.152%Above | 1,013 | ||
2 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,772Credit | 0.106%Below | 702 | ||
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,662Fees | 0.093%Below | 814 | ||
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,683Fees | 0.061%Below | 469 | ||
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $275Fees | 0.438%Below | 221 | ||
6 | ALLIANT CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $629Fees | 0.041%Above | 170 | ||
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,024Fees | 0.354%Above | 5,815 | ||
8 | PROPER RATE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,665Fees | 0.261%Above | 1,200 | ||
9 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $501Credit | 0.216%Above | 937 | ||
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $533Fees | 0.502%Below | 312 | ||
11 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $520Fees | 0.097%Above | 305 | ||
12 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $406Fees | 0.420%Above | 453 | ||
13 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $909Fees | 0.018%Above | 452 | ||
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,681Fees | 0.147%Above | 5,072 | ||
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | 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 (#22) | |||||||||||
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,536Fees | 0.424%Above | 3,770 | ||
17 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,916Fees | 0.445%Above | 1,731 | ||
18 | GREENSTATE Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $894Fees | 0.049%Above | 826 | ||
19 | Liberty Bank for SavingsBank | Exceptional | Strong | Strong | Strong | Strong | $581Fees | 0.254%Below | 149 | ||
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,845Fees | 0.666%Above | 2,013 | ||
21 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,607Fees | 0.337%Above | 1,027 | ||
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | 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 (#15) | |||||||||||
23 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $252Credit | 0.168%Above | 347 | ||
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,237Fees | 0.442%Above | 225 | ||
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831Fees | 0.552%Above | 3,117 | ||
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744Fees | 0.649%Above | 2,058 | ||
27 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $876Credit | 0.180%Above | 1,680 | ||
28 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,082Fees | 0.494%Above | 632 | ||
29 | CIBC Bank USABank | Strong | Sound | Strong | Strong | Strong | $1,094Credit | 0.159%Above | 185 | ||
30 | Marquette BankBank | Strong | Strong | — | Sound | Strong | $1,676Fees | 0.055%Above | 174 | ||
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,394Fees | 0.604%Above | 814 | ||
32 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | — | Exceptional | Exceptional | $2,732Fees | 0.579%Above | 537 | ||
33 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,442Fees | 0.486%Above | 298 | ||
34 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,482Fees | 0.416%Above | 243 | ||
35 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $1,736Fees | 0.344%Above | 967 | ||
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $1,839Fees | 0.570%Above | 819 | ||
37 | The Federal Savings BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,016Fees | 0.786%Above | 728 | ||
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,800Fees | 0.558%Above | 698 | ||
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,479Fees | 0.565%Above | 675 | ||
40 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,172Fees | 0.689%Above | 1,346 | ||
41 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,264Fees | 0.341%Above | 276 | ||
42 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,367Fees | 0.559%Above | 460 | ||
43 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,261Fees | 0.657%Above | 162 | ||
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.