Safe Rate Rankings
Best Mortgage Companie Lenders in Chicago
Updated May 31, 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 | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $731Fees | 0.031%Above | 224 | ||
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | 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 (#16) | ||||||||||
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,024Fees | 0.354%Above | 5,815 | ||
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,845Fees | 0.666%Above | 2,013 | ||
5 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,607Fees | 0.337%Above | 1,027 | ||
6 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,736Fees | 0.344%Above | 967 | ||
7 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,272Fees | 0.312%Above | 744 | ||
8 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,488Fees | 0.373%Above | 213 | ||
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $832Fees | 0.682%Above | 185 | ||
10 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,762Fees | 0.474%Above | 177 | ||
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,536Fees | 0.424%Above | 3,770 | ||
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,744Fees | 0.649%Above | 2,058 | ||
13 | PROPER RATE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | $1,665Fees | 0.261%Above | 1,200 | ||
14 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,839Fees | 0.570%Above | 819 | ||
15 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,732Fees | 0.579%Above | 537 | ||
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | 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 (#2) | ||||||||||
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,052Fees | 0.567%Above | 421 | ||
18 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,724Fees | 0.418%Above | 206 | ||
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,831Fees | 0.552%Above | 3,117 | ||
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,394Fees | 0.604%Above | 814 | ||
21 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,472Fees | 0.561%Above | 734 | ||
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,694Fees | 0.399%Above | 501 | ||
23 | UNITED HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,965Fees | 0.395%Above | 389 | ||
24 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $334Fees | 0.503%Above | 378 | ||
25 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,264Fees | 0.341%Above | 276 | ||
26 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,794Fees | 0.594%Above | 234 | ||
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,237Fees | 0.442%Above | 225 | ||
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,617Fees | 0.414%Above | 178 | ||
29 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,876Fees | 0.696%Above | 166 | ||
30 | THE ANDERSON FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,259Fees | 0.461%Above | 162 | ||
31 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,557Fees | 0.504%Above | 159 | ||
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,746Fees | 0.514%Above | 153 | ||
33 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $3,172Fees | 0.689%Above | 1,346 | ||
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $377Fees | 0.318%Above | 717 | ||
35 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,479Fees | 0.565%Above | 675 | ||
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,478Fees | 0.582%Above | 637 | ||
37 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,082Fees | 0.494%Above | 632 | ||
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,615Fees | 0.489%Above | 361 | ||
39 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,265Fees | 0.650%Above | 303 | ||
40 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,442Fees | 0.486%Above | 298 | ||
41 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,230Fees | 0.106%Above | 283 | ||
42 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,496Fees | 0.649%Above | 264 | ||
43 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,315Fees | 0.500%Above | 263 | ||
44 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,880Fees | 0.415%Above | 222 | ||
45 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,311Fees | 0.991%Above | 200 | ||
46 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,554Fees | 0.856%Above | 194 | ||
47 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,183Fees | 0.556%Above | 141 | ||
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,800Fees | 0.558%Above | 698 | ||
49 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,305Fees | 0.625%Above | 659 | ||
50 | PACOR MORTGAGE CORP.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,610Fees | 0.607%Above | 179 | ||
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.