Safe Rate Rankings

Best All Lender Mortgage Lenders in Elgin

Updated May 19, 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.

Market

Total Lenders111

Total Loans9,323

Median Rate Spread0.40%

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