Safe Rate Rankings

Best Credit Union Mortgage Lenders in Illinois

Updated May 26, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders360
Total Loans123,748
Median Rate Spread0.41%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

★ Illinois Exclusive Offer ★

Get a personalized quote from Safe Rate Mortgage (NMLS #1590949). Competitive rates, easy process, and a personal touch.

RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
GREENSTATE Credit UnionCredit Union
Exceptional
Exceptional
Exceptional
Exceptional
$833Fees
0.048%Above
2,002
2
CITIZENS EQUITY FIRSTCredit Union
Exceptional
Exceptional
Exceptional
Exceptional
$25Credit
0.070%Above
1,186
3
I. H. MISSISSIPPI VALLEY CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Strong
$985Fees
0.303%Below
356
4
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Sound
Strong
$456Fees
0.440%Below
707
5
SCOTT CREDIT UNIONCredit Union
Strong
Strong
Strong
Strong
$664Fees
0.068%Above
378

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.