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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $460 | +0.254% | 2,055 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,634 | -0.082% | 1,025 | |
3 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,743 | -0.101% | 811 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,823 | +0.033% | 781 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $252 | -0.414% | 295 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
7 | PROPER RATE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,656 | +0.268% | 1,337 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$339 | +0.266% | 1,233 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $456 | -0.440% | 707 | |
10 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $533 | +0.096% | 484 | |
11 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $861 | +0.034% | 626 | |
12 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $449 | +0.420% | 582 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,855 | +0.413% | 7,352 | |
14 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,394 | +0.490% | 7,176 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,688 | +0.163% | 6,487 | |
16 | Barrington Bank & Trust Company, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,856 | +0.455% | 2,395 | |
17 | GREENSTATE Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $833 | +0.048% | 2,002 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,865 | +0.657% | 2,802 | |
19 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,570 | +0.336% | 1,149 | |
20 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$188 | +0.254% | 784 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,170 | +0.188% | 781 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,088 | +0.479% | 321 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820 | +0.594% | 4,482 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,737 | +0.680% | 3,156 | |
25 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | -$745 | +0.195% | 2,085 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378 | +0.587% | 2,081 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,993 | +0.486% | 838 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,989 | +0.723% | 2,381 | |
29 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,239 | +0.629% | 1,112 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,510 | +0.608% | 1,031 | |
31 | COMPASS MORTGAGE, INC. | Strong | Acceptable | — | Exceptional | Exceptional | $2,500 | +0.580% | 904 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $1,661 | +0.439% | 810 | |
33 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,281 | +0.479% | 391 | |
34 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,484 | +0.411% | 280 | |
35 | KEY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $1,739 | +0.348% | 1,273 | |
36 | The Federal Savings Bank | Strong | Acceptable | Strong | Sound | Exceptional | $3,061 | +0.794% | 933 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,206 | +0.684% | 2,009 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Strong | $1,835 | +0.590% | 980 | |
39 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $1,331 | +0.369% | 337 | |
40 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,249 | +0.530% | 704 |
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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