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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 Bank Mortgage Lenders in Illinois
Updated February 6, 2026
Market Overview
32
Total Lenders
35,224
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | United Community Bank | Exceptional | Exceptional | Strong | Exceptional | $121 | +0.128% | 649 | |
2 | FCB Banks | Exceptional | Exceptional | Strong | Exceptional | $715 | -0.092% | 566 | |
3 | Busey Bank | Exceptional | Strong | Exceptional | Exceptional | $911 | +0.312% | 669 | |
4 | INB, National Association | Exceptional | Strong | Exceptional | Exceptional | $640 | +0.308% | 653 | |
5 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $861 | +0.034% | 626 | |
6 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $533 | +0.096% | 484 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $252 | -0.414% | 295 | |
8 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$745 | +0.195% | 2,085 | |
9 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $460 | +0.254% | 2,055 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$339 | +0.266% | 1,233 | |
11 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,634 | -0.082% | 1,025 | |
12 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,743 | -0.101% | 811 | |
13 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Exceptional | $872 | +0.176% | 741 | |
14 | Bank of Springfield | Exceptional | Strong | Exceptional | Strong | $461 | +0.093% | 373 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$188 | +0.254% | 784 | |
16 | Heartland Bank and Trust Company | Strong | Strong | Sound | Exceptional | $573 | +0.471% | 371 | |
17 | Carrollton Bank | Strong | Strong | Strong | Strong | $776 | +0.080% | 365 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,688 | +0.163% | 6,487 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,823 | +0.033% | 781 | |
20 | Morton Community Bank | Strong | Sound | Strong | Exceptional | $683 | +0.460% | 455 | |
21 | Peoples National Bank , N.A. | Strong | Strong | Sound | Strong | $864 | +0.302% | 283 | |
22 | Petefish, Skiles & Co. | Strong | Strong | Sound | Strong | $1,050 | +0.269% | 252 | |
23 | Regions Bank | Strong | Sound | Strong | Strong | $1,214 | +0.586% | 345 | |
24 | NexBank | Strong | Sound | Strong | Strong | $1,484 | +0.411% | 280 | |
25 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Exceptional | $1,856 | +0.455% | 2,395 | |
26 | BMO Bank National Association | Strong | Sound | Sound | Strong | $449 | +0.420% | 582 | |
27 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,493 | -0.059% | 361 | |
28 | CIBM Bank | Strong | Sound | Sound | Strong | $1,394 | +0.491% | 352 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,249 | +0.530% | 704 | |
30 | Midland States Bank | Strong | Acceptable | Sound | Exceptional | $1,376 | +0.696% | 426 | |
31 | The Federal Savings Bank | Sound | Mediocre | Sound | Exceptional | $3,061 | +0.794% | 933 | |
32 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $3,434 | +0.807% | 536 |
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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