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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 VA Mortgage Bank Lenders in Illinois
Updated February 6, 2026
Market Overview
24
Total Lenders
123,748
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | INB, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $640 | +0.308% | 653 | |
2 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | -$339 | +0.266% | 1,233 | |
3 | FCB Banks | Exceptional | Exceptional | Strong | Strong | Exceptional | $715 | -0.092% | 566 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$745 | +0.195% | 2,085 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $460 | +0.254% | 2,055 | |
6 | United Community Bank | Exceptional | Exceptional | — | Strong | Exceptional | $121 | +0.128% | 649 | |
7 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Strong | $861 | +0.034% | 626 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,688 | +0.163% | 6,487 | |
9 | Busey Bank | Exceptional | Strong | — | Exceptional | Exceptional | $911 | +0.312% | 669 | |
10 | Bank of Springfield | Exceptional | Strong | Strong | Strong | Strong | $461 | +0.093% | 373 | |
11 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $776 | +0.080% | 365 | |
12 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,493 | -0.059% | 361 | |
13 | First Mid Bank & Trust, National Association | Strong | Strong | Acceptable | Strong | Exceptional | $872 | +0.176% | 741 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,249 | +0.530% | 704 | |
15 | Heartland Bank and Trust Company | Strong | Strong | — | Sound | Exceptional | $573 | +0.471% | 371 | |
16 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,823 | +0.033% | 781 | |
17 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Strong | -$188 | +0.254% | 784 | |
18 | CIBM Bank | Strong | Sound | Sound | Strong | Strong | $1,394 | +0.491% | 352 | |
19 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $1,214 | +0.586% | 345 | |
20 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,856 | +0.455% | 2,395 | |
21 | The Federal Savings Bank | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,061 | +0.794% | 933 | |
22 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,434 | +0.807% | 536 | |
23 | Midland States Bank | Strong | Acceptable | — | Sound | Exceptional | $1,376 | +0.696% | 426 | |
24 | BMO Bank National Association | Sound | Sound | Sound | Mediocre | Strong | $449 | +0.420% | 582 |
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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