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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 FHA Mortgage Company Lenders in Elgin
Updated February 5, 2026
Market Overview
37
Total Lenders
9,323
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,815 | +0.379% | 620 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,801 | +0.633% | 74 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,255 | +0.713% | 244 | |
4 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,529 | +0.162% | 161 | |
5 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,519 | +0.613% | 64 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $585 | +0.094% | 52 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,883 | +0.393% | 542 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,953 | +0.698% | 242 | |
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 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,783 | +0.331% | 168 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,518 | +0.507% | 103 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,039 | +0.645% | 55 | |
14 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Sound | $650 | +0.487% | 34 | |
15 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Sound | $1,438 | +0.413% | 27 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,911 | +0.555% | 224 | |
17 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,426 | +0.571% | 173 | |
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 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,021 | +0.223% | 59 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,874 | +0.382% | 50 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,298 | +0.720% | 289 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,877 | +0.523% | 96 | |
24 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $1,383 | +0.356% | 60 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,192 | +0.456% | 45 | |
26 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,689 | +1.040% | 36 | |
27 | THE ANDERSON FINANCIAL GROUP, INC. | Strong | Sound | Sound | Sound | Strong | $1,454 | +0.422% | 36 | |
28 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,010 | +0.449% | 30 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,540 | +1.019% | 22 | |
30 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,465 | +1.296% | 22 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,426 | +0.581% | 64 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,747 | +0.640% | 22 | |
33 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,244 | +0.862% | 21 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,042 | +0.540% | 93 | |
35 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $7,209 | +1.890% | 34 | |
36 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,973 | +0.567% | 25 | |
37 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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