# Best Mortgage Lenders in Illinois

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

Compare the top mortgage lenders in Illinois. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/illinois/best-mortgage-lenders


> **📋 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:** 360
- **Total Loans:** 123,748
- **Median Rate Spread:** 0.4065768115942029%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 89 | 84 | 2,002 | Credit Union |
| 2 | CITIZENS EQUITY FIRST | 100 | 93 | 82 | 1,186 | Credit Union |
| 3 | Busey Bank | 93 | 63 | 84 | 669 | Bank |
| 4 | INB, National Association | 93 | 72 | 83 | 653 | Bank |
| 5 | United Community Bank | 93 | 84 | 73 | 649 | Bank |
| 6 | FCB Banks | 93 | 92 | 67 | 566 | Bank |
| 7 | I. H. MISSISSIPPI VALLEY CREDIT UNION | 93 | 89 | 82 | 356 | Credit Union |
| 8 | The Huntington National Bank | 86 | 61 | 75 | 2,085 | Bank |
| 9 | U.S. Bank National Association | 86 | 75 | 71 | 2,055 | Bank |
| 10 | Fifth Third Bank, National Association | 86 | 62 | 62 | 1,233 | Bank |
| 11 | Bank of America, National Association | 86 | 73 | 75 | 1,025 | Bank |
| 12 | First Mid Bank & Trust, National Association | 86 | 78 | 74 | 741 | Bank |
| 13 | Old National Bank | 86 | 84 | 70 | 626 | Bank |
| 14 | Associated Bank, National Association | 86 | 93 | 72 | 484 | Bank |
| 15 | Bank of Springfield | 86 | 77 | 81 | 373 | Bank |
| 16 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 295 | Bank |
| 17 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 7,352 | Independent Mortgage Company |
| 18 | FLAT BRANCH MORTGAGE, INC. | 84 | 50 | 89 | 1,599 | Independent Mortgage Company |
| 19 | FIRST STATE MORTGAGE SERVICES, LLC | 84 | 52 | 84 | 1,052 | Independent Mortgage Company |
| 20 | PNC Bank, National Association | 80 | 71 | 61 | 784 | Bank |
| 21 | SCOTT CREDIT UNION | 80 | 78 | 69 | 378 | Credit Union |
| 22 | Carrollton Bank | 80 | 71 | 70 | 365 | Bank |
| 23 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 7,686 | Independent Mortgage Company |
| 24 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 6,487 | Bank |
| 25 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 2,802 | Independent Mortgage Company |
| 26 | KEY MORTGAGE SERVICES, INC. | 78 | 45 | 63 | 1,273 | Independent Mortgage Company |
| 27 | A & N MORTGAGE SERVICES, INC. | 78 | 49 | 66 | 1,149 | Independent Mortgage Company |
| 28 | BAY EQUITY LLC | 78 | 43 | 65 | 896 | Independent Mortgage Company |
| 29 | Citibank, National Association | 78 | 87 | 58 | 811 | Bank |
| 30 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 707 | Credit Union |
| 31 | DELMAR FINANCIAL COMPANY | 78 | 45 | 72 | 597 | Independent Mortgage Company |
| 32 | MLD MORTGAGE INC. | 78 | 48 | 82 | 526 | Independent Mortgage Company |
| 33 | Morton Community Bank | 78 | 42 | 74 | 455 | Bank |
| 34 | Heartland Bank and Trust Company | 78 | 67 | 50 | 371 | Bank |
| 35 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 354 | Independent Mortgage Company |
| 36 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 338 | Independent Mortgage Company |
| 37 | GMFS LLC | 78 | 53 | 85 | 266 | Independent Mortgage Company |
| 38 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 7,176 | Independent Mortgage Company |
| 39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 3,156 | Independent Mortgage Company |
| 40 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 2,081 | Independent Mortgage Company |
| 41 | COMPASS MORTGAGE, INC. | 74 | 23 | 82 | 904 | Independent Mortgage Company |
| 42 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 815 | Independent Mortgage Company |
| 43 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 781 | Bank |
| 44 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 781 | Independent Mortgage Company |
| 45 | POINT MORTGAGE CORPORATION | 73 | 41 | 67 | 410 | Independent Mortgage Company |
| 46 | Regions Bank | 73 | 41 | 64 | 345 | Bank |
| 47 | Peoples National Bank , N.A. | 73 | 72 | 53 | 283 | Bank |
| 48 | NexBank | 73 | 41 | 66 | 280 | Bank |
| 49 | COMMUNITY BANC MORTGAGE CORPORATION | 73 | 66 | 46 | 261 | Independent Mortgage Company |
| 50 | Petefish, Skiles & Co. | 73 | 63 | 50 | 252 | 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 Illinois.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.