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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 Mortgage Company Lenders in Illinois
Updated February 6, 2026
Market Overview
50
Total Lenders
80,765
Total Loans
0.59%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $762 | +0.019% | 338 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,855 | +0.413% | 7,352 | |
3 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,201 | +0.447% | 1,599 | |
4 | FIRST STATE MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Exceptional | $1,493 | +0.362% | 1,052 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,865 | +0.657% | 2,802 | |
7 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,739 | +0.348% | 1,273 | |
8 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,570 | +0.336% | 1,149 | |
9 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $2,346 | +0.295% | 896 | |
10 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Exceptional | $1,519 | +0.434% | 597 | |
11 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,971 | +0.443% | 526 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $937 | +0.633% | 354 | |
13 | GMFS LLC | Strong | Sound | Exceptional | Strong | $1,888 | +0.500% | 266 | |
14 | COMMUNITY BANC MORTGAGE CORPORATION | Strong | Strong | Sound | Strong | $1,042 | +0.368% | 261 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,394 | +0.490% | 7,176 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,737 | +0.680% | 3,156 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,378 | +0.587% | 2,081 | |
18 | PROPER RATE, LLC | Strong | Sound | Sound | Exceptional | $1,656 | +0.268% | 1,337 | |
19 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,500 | +0.580% | 904 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,040 | +0.663% | 815 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,170 | +0.188% | 781 | |
22 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,541 | +0.344% | 410 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,820 | +0.594% | 4,482 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,764 | +0.679% | 2,244 | |
25 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $1,510 | +0.608% | 1,031 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,835 | +0.590% | 980 | |
27 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | $1,510 | +0.539% | 977 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $336 | +0.307% | 963 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,661 | +0.439% | 810 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,004 | +0.555% | 477 | |
31 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $298 | +0.525% | 476 | |
32 | UNITED HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $1,925 | +0.399% | 435 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $1,331 | +0.369% | 337 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,088 | +0.479% | 321 | |
35 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,902 | +0.602% | 319 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,532 | +0.398% | 315 | |
37 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $1,615 | +0.649% | 300 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $1,989 | +0.723% | 2,381 | |
39 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,239 | +0.629% | 1,112 | |
40 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,993 | +0.486% | 838 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,530 | +0.493% | 693 | |
42 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,266 | +0.139% | 489 | |
43 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $2,362 | +0.706% | 447 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $1,553 | +0.469% | 418 | |
45 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,281 | +0.479% | 391 | |
46 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $1,800 | +0.430% | 356 | |
47 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,424 | +0.627% | 346 | |
48 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $3,448 | +0.988% | 261 | |
49 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,553 | +0.858% | 256 | |
50 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,039 | +0.917% | 253 |
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.
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