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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $894 | +0.049% | 826 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,875 | +0.444% | 5,055 | |
3 | PROPER RATE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,665 | +0.261% | 1,200 | |
4 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $686 | -0.045% | 147 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $173 | +0.152% | 1,013 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $533 | -0.502% | 312 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,681 | +0.147% | 5,072 | |
10 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,472 | +0.561% | 734 | |
11 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,082 | +0.494% | 632 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $918 | +0.297% | 493 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.567% | 421 | |
14 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
16 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,230 | +0.106% | 283 | |
17 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,237 | +0.442% | 225 | |
18 | MLD MORTGAGE INC. | Exceptional | Strong | Strong | Strong | Strong | $2,488 | +0.373% | 213 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $832 | +0.682% | 185 | |
20 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,617 | +0.414% | 178 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,876 | +0.696% | 166 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,744 | +0.649% | 2,058 | |
24 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,736 | +0.344% | 967 | |
25 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $377 | +0.318% | 717 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,305 | +0.625% | 659 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,694 | +0.399% | 501 | |
28 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,367 | +0.559% | 460 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,315 | +0.500% | 263 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
31 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Sound | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,839 | +0.570% | 819 | |
33 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272 | +0.312% | 744 | |
34 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,683 | -0.061% | 469 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
36 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,479 | +0.565% | 675 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,478 | +0.582% | 637 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,615 | +0.489% | 361 | |
39 | CIBM Bank | Strong | Sound | Sound | Strong | Strong | $1,325 | +0.441% | 215 | |
40 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,916 | +0.445% | 1,731 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,172 | +0.689% | 1,346 | |
42 | UNITED HOME LOANS, INC. | Strong | Acceptable | — | Strong | Exceptional | $1,965 | +0.395% | 389 | |
43 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,496 | +0.649% | 264 | |
44 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $1,880 | +0.415% | 222 | |
45 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,557 | +0.504% | 159 | |
46 | The Federal Savings Bank | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,016 | +0.786% | 728 | |
47 | COMPASS MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $2,732 | +0.579% | 537 | |
48 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,413 | +0.815% | 333 | |
49 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,265 | +0.650% | 303 | |
50 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,800 | +0.558% | 698 |
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.
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