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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 Conventional Mortgage Company Lenders in Elgin

Updated February 5, 2026

Market Overview

Total Lenders

9,323

Total Loans

0.40%

Median Rate Spread

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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Elgin, ILConventional

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