# Best FHA Mortgage Lenders in Elgin, IL

**As of:** 2026-05-19

Compare the top FHA mortgage lenders in Elgin, IL. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/elgin-il/best-mortgage-lenders/fha-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


## Market Statistics

- **Total Lenders:** 111
- **Total Loans:** 9,323
- **Median Rate Spread:** 0.4013394495412844%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 94 | 83 | 222 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 620 | Independent Mortgage Company |
| 3 | The Huntington National Bank | 85 | 75 | 65 | 147 | Bank |
| 4 | First National Bank of Omaha | 85 | 73 | 72 | 132 | Bank |
| 5 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 74 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 244 | Independent Mortgage Company |
| 7 | M/I FINANCIAL, LLC | 83 | 47 | 80 | 161 | Independent Mortgage Company |
| 8 | TOWNE MORTGAGE COMPANY | 83 | 46 | 82 | 64 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 542 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 242 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 52 | Independent Mortgage Company |
| 12 | Flagstar Bank, N.A. | 79 | 58 | 71 | 51 | Bank |
| 13 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 689 | Independent Mortgage Company |
| 14 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 446 | Independent Mortgage Company |
| 15 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 55 | Independent Mortgage Company |
| 16 | CIBM Bank | 74 | 55 | 64 | 45 | Bank |
| 17 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 467 | Bank |
| 18 | KEY MORTGAGE SERVICES, INC. | 73 | 52 | 54 | 168 | Independent Mortgage Company |
| 19 | NEWREZ LLC | 73 | 52 | 56 | 103 | Independent Mortgage Company |
| 20 | MLD MORTGAGE INC. | 73 | 47 | 75 | 27 | Independent Mortgage Company |
| 21 | COMPASS MORTGAGE, INC. | 71 | 24 | 78 | 173 | Independent Mortgage Company |
| 22 | Barrington Bank & Trust Company, National Association | 71 | 28 | 62 | 152 | Bank |
| 23 | LOWER, LLC | 71 | 29 | 66 | 127 | Independent Mortgage Company |
| 24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 71 | 28 | 66 | 93 | Independent Mortgage Company |
| 25 | BAY EQUITY LLC | 71 | 37 | 72 | 59 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 50 | Independent Mortgage Company |
| 27 | RESICENTRAL, LLC | 69 | 68 | 56 | 34 | Independent Mortgage Company |
| 28 | POINT MORTGAGE CORPORATION | 67 | 32 | 72 | 60 | Independent Mortgage Company |
| 29 | AMERICAN PACIFIC MORTGAGE CORPORATION | 67 | 10 | 81 | 224 | Independent Mortgage Company |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 36 | 56 | 96 | Independent Mortgage Company |
| 31 | The Federal Savings Bank | 66 | 26 | 53 | 73 | Bank |
| 32 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 45 | Independent Mortgage Company |
| 33 | THE MORTGAGE LINK, INC. | 66 | 23 | 80 | 36 | Independent Mortgage Company |
| 34 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 66 | 32 | 76 | 30 | Independent Mortgage Company |
| 35 | OCMBC, INC. | 66 | 39 | 72 | 22 | Independent Mortgage Company |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 22 | Independent Mortgage Company |
| 37 | THE ANDERSON FINANCIAL GROUP, INC. | 64 | 50 | 49 | 36 | Independent Mortgage Company |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 289 | Independent Mortgage Company |
| 39 | Old Second National Bank | 62 | 40 | 39 | 116 | Bank |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 22 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 64 | Independent Mortgage Company |
| 42 | GENEVA FINANCIAL, LLC | 59 | 10 | 85 | 21 | Independent Mortgage Company |
| 43 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 93 | Independent Mortgage Company |
| 44 | Click n' Close, Inc. | 56 | N/A | 63 | 34 | Independent Mortgage Company |
| 45 | SUCCESS MORTGAGE PARTNERS, INC. | 56 | 15 | 75 | 25 | Independent Mortgage Company |
| 46 | CALCON MUTUAL MORTGAGE LLC | 56 | 17 | 62 | 22 | 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 Elgin, IL.

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.