🛡️
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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $833 | +0.048% | 2,002 | |
2 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | -$25 | +0.070% | 1,186 | |
3 | United Community Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $121 | +0.128% | 649 | |
4 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $861 | +0.034% | 626 | |
5 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $533 | +0.096% | 484 | |
6 | I. H. MISSISSIPPI VALLEY CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Strong | $985 | -0.303% | 356 | |
7 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$745 | +0.195% | 2,085 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $460 | +0.254% | 2,055 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,634 | -0.082% | 1,025 | |
10 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | -$1,743 | -0.101% | 811 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $456 | -0.440% | 707 | |
12 | Busey Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $911 | +0.312% | 669 | |
13 | INB, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | $640 | +0.308% | 653 | |
14 | FCB Banks | Exceptional | Exceptional | Strong | Sound | Exceptional | $715 | -0.092% | 566 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $762 | +0.019% | 338 | |
16 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,201 | +0.447% | 1,599 | |
17 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$339 | +0.266% | 1,233 | |
18 | FIRST STATE MORTGAGE SERVICES, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,493 | +0.362% | 1,052 | |
19 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$188 | +0.254% | 784 | |
20 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $872 | +0.176% | 741 | |
21 | Heartland Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $573 | +0.471% | 371 | |
22 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $252 | -0.414% | 295 | |
23 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,688 | +0.163% | 6,487 | |
24 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,865 | +0.657% | 2,802 | |
25 | Barrington Bank & Trust Company, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,856 | +0.455% | 2,395 | |
26 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,346 | +0.295% | 896 | |
27 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,823 | +0.033% | 781 | |
28 | SCOTT CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $664 | +0.068% | 378 | |
29 | Bank of Springfield | Exceptional | Strong | Strong | Strong | Strong | $461 | +0.093% | 373 | |
30 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $776 | +0.080% | 365 | |
31 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,888 | +0.500% | 266 | |
32 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,855 | +0.413% | 7,352 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,394 | +0.490% | 7,176 | |
34 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,570 | +0.336% | 1,149 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,661 | +0.439% | 810 | |
36 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Exceptional | $1,519 | +0.434% | 597 | |
37 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $449 | +0.420% | 582 | |
38 | Morton Community Bank | Strong | Sound | Strong | Strong | Exceptional | $683 | +0.460% | 455 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,553 | +0.469% | 418 | |
40 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $937 | +0.633% | 354 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820 | +0.594% | 4,482 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,737 | +0.680% | 3,156 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378 | +0.587% | 2,081 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510 | +0.608% | 1,031 | |
46 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510 | +0.539% | 977 | |
47 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $336 | +0.307% | 963 | |
48 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $1,971 | +0.443% | 526 | |
49 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $1,541 | +0.344% | 410 | |
50 | CIBM Bank | Strong | Sound | Strong | Strong | Strong | $1,394 | +0.491% | 352 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
IllinoisConventional
No credit impact
3-minute process
100% free