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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 FHA 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
1	GREENSTATE Credit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$833	+0.048%	2,002
2	INB, National Association	Exceptional	Exceptional	Strong	Strong	Exceptional	$640	+0.308%	653
3	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$745	+0.195%	2,085
4	Associated Bank, National Association	Exceptional	Exceptional	Strong	Strong	Strong	$533	+0.096%	484
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,855	+0.413%	7,352
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$460	+0.254%	2,055
7	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,201	+0.447%	1,599
8	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	-$339	+0.266%	1,233
9	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,510	+0.539%	977
10	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,040	+0.663%	815
11	Old National Bank	Exceptional	Exceptional	Strong	Sound	Strong	$861	+0.034%	626
12	FCB Banks	Exceptional	Exceptional	Sound	Sound	Exceptional	$715	-0.092%	566
13	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,281	+0.479%	391
14	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$937	+0.633%	354
15	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,888	+0.500%	266
16	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,865	+0.657%	2,802
17	A & N MORTGAGE SERVICES, INC.	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,570	+0.336%	1,149
18	FIRST STATE MORTGAGE SERVICES, LLC	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,493	+0.362%	1,052
19	THE LOAN STORE, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$336	+0.307%	963
20	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,170	+0.188%	781
21	Carrollton Bank	Exceptional	Strong	Strong	Strong	Strong	$776	+0.080%	365
22	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,394	+0.490%	7,176
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,737	+0.680%	3,156
24	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,239	+0.629%	1,112
25	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$188	+0.254%	784
26	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,249	+0.530%	704
27	Busey Bank	Strong	Strong	Sound	Sound	Exceptional	$911	+0.312%	669
28	United Community Bank	Strong	Strong	Sound	Sound	Exceptional	$121	+0.128%	649
29	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Exceptional	$1,519	+0.434%	597
30	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$1,971	+0.443%	526
31	M/I FINANCIAL, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,266	+0.139%	489
32	RESICENTRAL, LLC	Strong	Strong	Strong	Sound	Strong	$298	+0.525%	476
33	Midland States Bank	Strong	Sound	Strong	Strong	Exceptional	$1,376	+0.696%	426
34	Heartland Bank and Trust Company	Strong	Strong	Sound	Sound	Exceptional	$573	+0.471%	371
35	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,009	+0.369%	7,686
36	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,688	+0.163%	6,487
37	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,856	+0.455%	2,395
38	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,378	+0.587%	2,081
39	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,739	+0.348%	1,273
40	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,510	+0.608%	1,031
41	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,835	+0.590%	980
42	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,346	+0.295%	896
43	First Mid Bank & Trust, National Association	Strong	Sound	Strong	Sound	Exceptional	$872	+0.176%	741
44	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,004	+0.555%	477
45	CIBM Bank	Strong	Sound	Strong	Strong	Strong	$1,394	+0.491%	352
46	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,214	+0.586%	345
47	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,331	+0.369%	337
48	COMPASS MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,500	+0.580%	904
49	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,993	+0.486%	838
50	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,553	+0.469%	418

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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