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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 Company Lenders in Elgin

Updated February 5, 2026

Market Overview

Total Lenders

7,130

Total Loans

0.49%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$1,815	+0.379%	620
2	GUARANTEED RATE, INC.	Strong	Sound	Strong	Exceptional	$2,004	+0.367%	689
3	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$3,255	+0.713%	244
4	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Exceptional	$1,783	+0.331%	168
5	GMFS LLC	Strong	Sound	Exceptional	Strong	$2,119	+0.365%	46
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,883	+0.393%	542
7	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$2,597	+0.597%	446
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$2,953	+0.698%	242
9	COMPASS MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$2,426	+0.571%	173
10	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$1,801	+0.633%	74
11	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$1,383	+0.356%	60
12	BAY EQUITY LLC	Strong	Sound	Strong	Strong	$2,021	+0.223%	59
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$585	+0.094%	52
14	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Sound	$1,438	+0.413%	27
15	FIRST STATE MORTGAGE SERVICES, LLC	Strong	Sound	Exceptional	Sound	$1,100	+0.496%	26
16	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,298	+0.720%	289
17	M/I FINANCIAL, LLC	Strong	Acceptable	Strong	Exceptional	$3,529	+0.162%	161
18	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$1,877	+0.523%	96
19	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$2,039	+0.645%	55
20	PROPER RATE, LLC	Strong	Sound	Sound	Strong	$1,400	+0.372%	44
21	THE ANDERSON FINANCIAL GROUP, INC.	Strong	Sound	Sound	Strong	$1,454	+0.422%	36
22	A & N MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	$1,297	+0.262%	32
23	Servion, Inc.	Strong	Sound	Strong	Sound	$1,095	+0.463%	23
24	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	$2,911	+0.555%	224
25	LOWER, LLC	Strong	Acceptable	Strong	Strong	$1,301	+0.605%	127
26	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	-$2,207	+0.110%	95
27	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	$1,746	+0.409%	93
28	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,426	+0.581%	64
29	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Strong	Strong	$1,519	+0.613%	64
30	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$993	+0.397%	61
31	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$2,122	+0.466%	61
32	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$1,874	+0.382%	50
33	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$1,192	+0.456%	45
34	PLANET HOME LENDING, LLC	Strong	Acceptable	Exceptional	Sound	$1,037	+0.125%	34
35	RESICENTRAL, LLC	Strong	Sound	Sound	Sound	$650	+0.487%	34
36	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Sound	$1,972	+0.420%	24
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Sound	$2,612	+0.590%	23
38	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,518	+0.507%	103
39	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$2,042	+0.540%	93
40	THE MORTGAGE LINK, INC.	Sound	Acceptable	Strong	Sound	$3,689	+1.040%	36
41	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	$3,010	+0.449%	30
42	UNITED HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	$1,695	+0.474%	25
43	Prosperity Home Mortgage, LLC	Sound	Acceptable	Strong	Sound	$1,751	+0.428%	24
44	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$2,540	+1.019%	22
45	OCMBC, INC.	Sound	Acceptable	Strong	Sound	$3,465	+1.296%	22
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$5,747	+0.640%	22
47	GENEVA FINANCIAL, LLC	Sound	Mediocre	Exceptional	Sound	$4,244	+0.862%	21
48	SUCCESS MORTGAGE PARTNERS, INC.	Sound	Mediocre	Strong	Sound	$3,973	+0.567%	25
49	Click n' Close, Inc.	Sound	Mediocre	Sound	Sound	$7,209	+1.890%	34
50	CALCON MUTUAL MORTGAGE LLC	Sound	Mediocre	Sound	Sound	$2,652	+0.837%	22

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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