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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 Lenders in Illinois
Updated February 6, 2026
Market Overview
360
Total Lenders
123,748
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $833 | +0.048% | 2,002 | |
2 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Exceptional | -$25 | +0.070% | 1,186 | |
3 | United Community Bank | Exceptional | Exceptional | Strong | Exceptional | $121 | +0.128% | 649 | |
4 | FCB Banks | Exceptional | Exceptional | Strong | Exceptional | $715 | -0.092% | 566 | |
5 | I. H. MISSISSIPPI VALLEY CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $985 | -0.303% | 356 | |
6 | Busey Bank | Exceptional | Strong | Exceptional | Exceptional | $911 | +0.312% | 669 | |
7 | INB, National Association | Exceptional | Strong | Exceptional | Exceptional | $640 | +0.308% | 653 | |
8 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $861 | +0.034% | 626 | |
9 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $533 | +0.096% | 484 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $252 | -0.414% | 295 | |
11 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$745 | +0.195% | 2,085 | |
12 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $460 | +0.254% | 2,055 | |
13 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$339 | +0.266% | 1,233 | |
14 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,634 | -0.082% | 1,025 | |
15 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,743 | -0.101% | 811 | |
16 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Exceptional | $872 | +0.176% | 741 | |
17 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $456 | -0.440% | 707 | |
18 | Bank of Springfield | Exceptional | Strong | Exceptional | Strong | $461 | +0.093% | 373 | |
19 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $762 | +0.019% | 338 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,855 | +0.413% | 7,352 | |
21 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,201 | +0.447% | 1,599 | |
22 | FIRST STATE MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Exceptional | $1,493 | +0.362% | 1,052 | |
23 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$188 | +0.254% | 784 | |
24 | SCOTT CREDIT UNION | Strong | Strong | Strong | Strong | $664 | +0.068% | 378 | |
25 | Heartland Bank and Trust Company | Strong | Strong | Sound | Exceptional | $573 | +0.471% | 371 | |
26 | Carrollton Bank | Strong | Strong | Strong | Strong | $776 | +0.080% | 365 | |
27 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
28 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,688 | +0.163% | 6,487 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,865 | +0.657% | 2,802 | |
30 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,739 | +0.348% | 1,273 | |
31 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,570 | +0.336% | 1,149 | |
32 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $2,346 | +0.295% | 896 | |
33 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,823 | +0.033% | 781 | |
34 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Exceptional | $1,519 | +0.434% | 597 | |
35 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,971 | +0.443% | 526 | |
36 | Morton Community Bank | Strong | Sound | Strong | Exceptional | $683 | +0.460% | 455 | |
37 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $937 | +0.633% | 354 | |
38 | Peoples National Bank , N.A. | Strong | Strong | Sound | Strong | $864 | +0.302% | 283 | |
39 | GMFS LLC | Strong | Sound | Exceptional | Strong | $1,888 | +0.500% | 266 | |
40 | COMMUNITY BANC MORTGAGE CORPORATION | Strong | Strong | Sound | Strong | $1,042 | +0.368% | 261 | |
41 | Petefish, Skiles & Co. | Strong | Strong | Sound | Strong | $1,050 | +0.269% | 252 | |
42 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,394 | +0.490% | 7,176 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,737 | +0.680% | 3,156 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,378 | +0.587% | 2,081 | |
45 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,500 | +0.580% | 904 | |
46 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,040 | +0.663% | 815 | |
47 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,170 | +0.188% | 781 | |
48 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,541 | +0.344% | 410 | |
49 | Regions Bank | Strong | Sound | Strong | Strong | $1,214 | +0.586% | 345 | |
50 | NexBank | Strong | Sound | Strong | Strong | $1,484 | +0.411% | 280 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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