# Best FHA Mortgage Lenders in Illinois

**As of:** 2026-05-19

Compare the top FHA mortgage lenders in Illinois. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/illinois/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 360
- **Total Loans:** 123,748
- **Median Rate Spread:** 0.4065768115942029%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 94 | 83 | 2,002 | Credit Union |
| 2 | The Huntington National Bank | 89 | 75 | 65 | 2,085 | Bank |
| 3 | INB, National Association | 89 | 82 | 63 | 653 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 7,352 | Independent Mortgage Company |
| 5 | FLAT BRANCH MORTGAGE, INC. | 88 | 43 | 85 | 1,599 | Independent Mortgage Company |
| 6 | TOWNE MORTGAGE COMPANY | 88 | 46 | 82 | 977 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 815 | Independent Mortgage Company |
| 8 | Associated Bank, National Association | 85 | 91 | 66 | 484 | Bank |
| 9 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 391 | Independent Mortgage Company |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 354 | Independent Mortgage Company |
| 11 | GMFS LLC | 85 | 68 | 77 | 266 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 2,802 | Independent Mortgage Company |
| 13 | U.S. Bank National Association | 83 | 65 | 60 | 2,055 | Bank |
| 14 | Fifth Third Bank, National Association | 83 | 72 | 58 | 1,233 | Bank |
| 15 | A & N MORTGAGE SERVICES, INC. | 83 | 59 | 84 | 1,149 | Independent Mortgage Company |
| 16 | FIRST STATE MORTGAGE SERVICES, LLC | 83 | 56 | 83 | 1,052 | Independent Mortgage Company |
| 17 | THE LOAN STORE, INC. | 83 | 49 | 72 | 963 | Independent Mortgage Company |
| 18 | Carrollton Bank | 80 | 77 | 62 | 365 | Bank |
| 19 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 7,176 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 3,156 | Independent Mortgage Company |
| 21 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 781 | Independent Mortgage Company |
| 22 | Flagstar Bank, N.A. | 79 | 58 | 71 | 704 | Bank |
| 23 | Old National Bank | 79 | 91 | 60 | 626 | Bank |
| 24 | DELMAR FINANCIAL COMPANY | 79 | 41 | 73 | 597 | Independent Mortgage Company |
| 25 | MLD MORTGAGE INC. | 79 | 47 | 75 | 526 | Independent Mortgage Company |
| 26 | M/I FINANCIAL, LLC | 79 | 47 | 80 | 489 | Independent Mortgage Company |
| 27 | Midland States Bank | 79 | 46 | 69 | 426 | Bank |
| 28 | NEWREZ LLC | 77 | 52 | 56 | 1,112 | Independent Mortgage Company |
| 29 | FCB Banks | 77 | 90 | 57 | 566 | Bank |
| 30 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 7,686 | Independent Mortgage Company |
| 31 | Barrington Bank & Trust Company, National Association | 75 | 28 | 62 | 2,395 | Bank |
| 32 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 2,081 | Independent Mortgage Company |
| 33 | LOWER, LLC | 75 | 29 | 66 | 1,031 | Independent Mortgage Company |
| 34 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 980 | Independent Mortgage Company |
| 35 | BAY EQUITY LLC | 75 | 37 | 72 | 896 | Independent Mortgage Company |
| 36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 477 | Independent Mortgage Company |
| 37 | T2 FINANCIAL LLC | 75 | 29 | 82 | 337 | Independent Mortgage Company |
| 38 | PNC Bank, National Association | 74 | 62 | 56 | 784 | Bank |
| 39 | RESICENTRAL, LLC | 74 | 68 | 56 | 476 | Independent Mortgage Company |
| 40 | CIBM Bank | 74 | 55 | 64 | 352 | Bank |
| 41 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 6,487 | Bank |
| 42 | KEY MORTGAGE SERVICES, INC. | 73 | 52 | 54 | 1,273 | Independent Mortgage Company |
| 43 | First Mid Bank & Trust, National Association | 73 | 50 | 57 | 741 | Bank |
| 44 | Busey Bank | 73 | 63 | 57 | 669 | Bank |
| 45 | United Community Bank | 73 | 72 | 43 | 649 | Bank |
| 46 | Heartland Bank and Trust Company | 73 | 67 | 52 | 371 | Bank |
| 47 | Regions Bank | 73 | 60 | 59 | 345 | Bank |
| 48 | COMPASS MORTGAGE, INC. | 71 | 24 | 78 | 904 | Independent Mortgage Company |
| 49 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 838 | Independent Mortgage Company |
| 50 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 418 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Illinois.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.