# Best VA Mortgage Lenders in Elgin, IL

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 620 | Independent Mortgage Company |
| 2 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 689 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 74 | Independent Mortgage Company |
| 4 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 244 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 542 | Independent Mortgage Company |
| 6 | NEWREZ LLC | 79 | 47 | 63 | 103 | Independent Mortgage Company |
| 7 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 96 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 39 | Credit Union |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 446 | Independent Mortgage Company |
| 10 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 289 | Independent Mortgage Company |
| 11 | LOWER, LLC | 71 | 25 | 63 | 127 | Independent Mortgage Company |
| 12 | Mortgage Research Center, LLC | 71 | 34 | 61 | 95 | Independent Mortgage Company |
| 13 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 64 | Independent Mortgage Company |
| 14 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 79 | 224 | Independent Mortgage Company |
| 15 | COMPASS MORTGAGE, INC. | 60 | 12 | 77 | 173 | Independent Mortgage Company |
| 16 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 93 | Independent Mortgage Company |
| 17 | The Federal Savings Bank | 56 | 9 | 54 | 73 | Bank |

## 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.