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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 Mortgage Lenders in Elgin

Updated February 5, 2026

Market Overview

111

Total Lenders

9,323

Total Loans

0.40%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	GREENSTATE Credit Union	Exceptional	Exceptional	Exceptional	Exceptional	$898	+0.110%	222
2	Old National Bank	Exceptional	Exceptional	Strong	Strong	$972	+0.019%	54
3	First National Bank of Omaha	Exceptional	Strong	Strong	Exceptional	$704	+0.667%	132
4	Associated Bank, National Association	Exceptional	Exceptional	Strong	Sound	$400	+0.023%	27
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$1,815	+0.379%	620
6	The Huntington National Bank	Strong	Strong	Strong	Strong	-$420	+0.252%	147
7	Fifth Third Bank, National Association	Strong	Strong	Strong	Strong	$436	+0.437%	89
8	U.S. Bank National Association	Strong	Strong	Strong	Strong	$860	+0.154%	79
9	Bank of America, National Association	Strong	Strong	Strong	Strong	$2,419	-0.092%	47
10	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$649	-0.388%	39
11	NBKC BANK	Strong	Exceptional	Sound	Sound	$506	-0.118%	20
12	GUARANTEED RATE, INC.	Strong	Sound	Strong	Exceptional	$2,004	+0.367%	689
13	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Exceptional	$1,898	+0.224%	467
14	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$3,255	+0.713%	244
15	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Exceptional	$1,783	+0.331%	168
16	Old Second National Bank	Strong	Sound	Strong	Exceptional	$1,191	+0.432%	116
17	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$1,945	+0.001%	66
18	GMFS LLC	Strong	Sound	Exceptional	Strong	$2,119	+0.365%	46
19	PNC Bank, National Association	Strong	Strong	Strong	Sound	-$536	+0.239%	31
20	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,883	+0.393%	542
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$2,597	+0.597%	446
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$2,953	+0.698%	242
23	COMPASS MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$2,426	+0.571%	173
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$1,801	+0.633%	74
25	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$1,383	+0.356%	60
26	BAY EQUITY LLC	Strong	Sound	Strong	Strong	$2,021	+0.223%	59
27	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$585	+0.094%	52
28	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Sound	$1,438	+0.413%	27
29	First American Bank	Strong	Strong	Sound	Sound	$1,246	+0.089%	27
30	FIRST STATE MORTGAGE SERVICES, LLC	Strong	Sound	Exceptional	Sound	$1,100	+0.496%	26
31	ALLIANT CREDIT UNION	Strong	Strong	Sound	Sound	$643	+0.035%	24
32	NUMARK CREDIT UNION	Strong	Strong	Sound	Sound	$1,329	+0.202%	21
33	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,298	+0.720%	289
34	M/I FINANCIAL, LLC	Strong	Acceptable	Strong	Exceptional	$3,529	+0.162%	161
35	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$1,877	+0.523%	96
36	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$2,039	+0.645%	55
37	CIBM Bank	Strong	Sound	Sound	Strong	$1,311	+0.441%	45
38	PROPER RATE, LLC	Strong	Sound	Sound	Strong	$1,400	+0.372%	44
39	THE ANDERSON FINANCIAL GROUP, INC.	Strong	Sound	Sound	Strong	$1,454	+0.422%	36
40	A & N MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	$1,297	+0.262%	32
41	Servion, Inc.	Strong	Sound	Strong	Sound	$1,095	+0.463%	23
42	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Strong	Strong	$1,860	+0.523%	152
43	LOWER, LLC	Strong	Acceptable	Strong	Strong	$1,301	+0.605%	127
44	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	-$2,207	+0.110%	95
45	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	$1,746	+0.409%	93
46	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,426	+0.581%	64
47	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Strong	Strong	$1,519	+0.613%	64
48	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$993	+0.397%	61
49	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$2,122	+0.466%	61
50	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$2,766	+0.608%	51

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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