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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 Company Lenders in Chicago

Updated February 5, 2026

Market Overview

Total Lenders

69,290

Total Loans

0.45%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,875	+0.444%	5,055
2	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,472	+0.561%	734
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,052	+0.567%	421
4	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,442	+0.486%	298
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$832	+0.682%	185
6	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,762	+0.474%	177
7	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,845	+0.666%	2,013
8	A & N MORTGAGE SERVICES, INC.	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,607	+0.337%	1,027
9	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$918	+0.297%	493
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,536	+0.424%	3,770
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,744	+0.649%	2,058
12	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,839	+0.570%	819
13	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$377	+0.318%	717
14	RESICENTRAL, LLC	Strong	Strong	Strong	Sound	Strong	$334	+0.503%	378
15	M/I FINANCIAL, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,230	+0.106%	283
16	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$2,488	+0.373%	213
17	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,183	+0.556%	141
18	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,024	+0.354%	5,815
19	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,736	+0.344%	967
20	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,272	+0.312%	744
21	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,305	+0.625%	659
22	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,264	+0.341%	276
23	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,876	+0.696%	166
24	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,557	+0.504%	159
25	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,172	+0.689%	1,346
26	PROPER RATE, LLC	Strong	Sound	Sound	Sound	Exceptional	$1,665	+0.261%	1,200
27	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,394	+0.604%	814
28	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,479	+0.565%	675
29	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,082	+0.494%	632
30	COMPASS MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,732	+0.579%	537
31	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,496	+0.649%	264
32	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,315	+0.500%	263
33	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$1,794	+0.594%	234
34	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,237	+0.442%	225
35	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$1,880	+0.415%	222
36	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,311	+0.991%	200
37	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,554	+0.856%	194
38	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,617	+0.414%	178
39	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$1,746	+0.514%	153
40	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,831	+0.552%	3,117
41	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,478	+0.582%	637
42	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$1,694	+0.399%	501
43	UNITED HOME LOANS, INC.	Strong	Acceptable	Sound	Strong	Exceptional	$1,965	+0.395%	389
44	POINT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$1,724	+0.418%	206
45	THE ANDERSON FINANCIAL GROUP, INC.	Strong	Sound	Sound	Sound	Strong	$1,259	+0.461%	162
46	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,615	+0.489%	361
47	LEADERONE FINANCIAL CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$2,265	+0.650%	303
48	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$1,800	+0.558%	698
49	PACOR MORTGAGE CORP.	Sound	Mediocre	Sound	Strong	Strong	$2,610	+0.607%	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 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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