# Best VA Mortgage Lenders in Chicago

**As of:** 2026-05-29

Compare the top VA mortgage lenders in Chicago. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/chicago/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Local Featured Partners

Safe Rate partners with local mortgage experts to provide exceptional service in Chicago.

### Dylan Hall (Safe Rate Mortgage)
- **NMLS:** 1658740
- **Partnered Lenders:** Equity Prime Mortgage, Lendsure Mortgage, PENNYMAC LOAN SERVICES, LLC, Safe Rate Mortgage, UNITED WHOLESALE MORTGAGE, LLC
- **View Profile & Get Quote:** https://saferate.com/brokers/dylan-hall-1658740

## Market Statistics

- **Total Lenders:** 254
- **Total Loans:** 69,290
- **Median Rate Spread:** 0.4462418032786885%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 90 | 86 | 826 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 5,055 | Independent Mortgage Company |
| 3 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 5,815 | Independent Mortgage Company |
| 4 | The Huntington National Bank | 89 | 77 | 63 | 1,680 | Bank |
| 5 | PROPER RATE, LLC | 89 | 83 | 64 | 1,200 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 89 | 71 | 65 | 1,013 | Bank |
| 7 | NBKC BANK | 89 | 91 | 75 | 147 | Bank |
| 8 | TOWNE MORTGAGE COMPANY | 88 | 44 | 87 | 734 | Independent Mortgage Company |
| 9 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 632 | Independent Mortgage Company |
| 10 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 493 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 421 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 298 | Independent Mortgage Company |
| 13 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 5,072 | Bank |
| 14 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 2,013 | Independent Mortgage Company |
| 15 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 312 | Credit Union |
| 16 | M/I FINANCIAL, LLC | 83 | 52 | 81 | 283 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 225 | Independent Mortgage Company |
| 18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 185 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 178 | Independent Mortgage Company |
| 20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 166 | Independent Mortgage Company |
| 21 | MLD MORTGAGE INC. | 80 | 68 | 79 | 213 | Independent Mortgage Company |
| 22 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 3,770 | Independent Mortgage Company |
| 23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 2,058 | Independent Mortgage Company |
| 24 | KEY MORTGAGE SERVICES, INC. | 79 | 41 | 71 | 967 | Independent Mortgage Company |
| 25 | THE LOAN STORE, INC. | 79 | 51 | 75 | 717 | Independent Mortgage Company |
| 26 | NEWREZ LLC | 79 | 47 | 63 | 659 | Independent Mortgage Company |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 501 | Independent Mortgage Company |
| 28 | Flagstar Bank, N.A. | 79 | 56 | 68 | 460 | Bank |
| 29 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 263 | Independent Mortgage Company |
| 30 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 3,117 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 75 | 25 | 79 | 819 | Independent Mortgage Company |
| 32 | BAY EQUITY LLC | 75 | 38 | 73 | 744 | Independent Mortgage Company |
| 33 | A & N MORTGAGE SERVICES, INC. | 73 | 49 | 66 | 1,027 | Independent Mortgage Company |
| 34 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 469 | Bank |
| 35 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 814 | Independent Mortgage Company |
| 36 | LOWER, LLC | 71 | 25 | 63 | 675 | Independent Mortgage Company |
| 37 | Mortgage Research Center, LLC | 71 | 34 | 61 | 637 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 361 | Independent Mortgage Company |
| 39 | CIBM Bank | 69 | 48 | 68 | 215 | Bank |
| 40 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 67 | 31 | 69 | 264 | Independent Mortgage Company |
| 41 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 67 | 35 | 70 | 222 | Independent Mortgage Company |
| 42 | UNITED HOME LOANS, INC. | 66 | 36 | 63 | 389 | Independent Mortgage Company |
| 43 | Barrington Bank & Trust Company, National Association | 63 | 14 | 65 | 1,731 | Bank |
| 44 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 79 | 1,346 | Independent Mortgage Company |
| 45 | Nations Lending Corporation | 63 | 15 | 80 | 159 | Independent Mortgage Company |
| 46 | COMPASS MORTGAGE, INC. | 60 | 12 | 77 | 537 | Independent Mortgage Company |
| 47 | Ixonia Bank | 60 | 15 | 73 | 333 | Bank |
| 48 | LEADERONE FINANCIAL CORPORATION | 60 | 9 | 76 | 303 | Independent Mortgage Company |
| 49 | The Federal Savings Bank | 59 | 9 | 54 | 728 | Bank |
| 50 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 698 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Chicago.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.