Safe Rate Rankings

Best Mortgage Companie Lenders in Illinois

Updated June 4, 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%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
UNITED WHOLESALE MORTGAGE, LLC
Independent Mortgage CompanyWholesale
Strong
Sound*
Exceptional
Exceptional
$1,855Fees
0.413%Above
7,352
2
FLAT BRANCH MORTGAGE, INC.
Independent Mortgage CompanyDirect
Strong
Sound
Exceptional
Exceptional
$1,201Fees
0.447%Above
1,599
3
FIRST STATE MORTGAGE SERVICES, LLC
Independent Mortgage CompanyDirect
Strong
Sound
Exceptional
Exceptional
$1,493Fees
0.362%Above
1,052
4
ROCKET MORTGAGE, LLC
Independent Mortgage CompanyDirect & Wholesale
Strong
Acceptable*
Exceptional
Exceptional
$3,394Fees
0.490%Above
7,176
5
LOANDEPOT.COM, LLC
Independent Mortgage CompanyDirect & Wholesale
Strong
Sound*
Strong
Exceptional
$2,865Fees
0.657%Above
2,802
6
GUARANTEED RATE, INC.
Independent Mortgage CompanyDirect
Strong
Sound
Strong
Exceptional
$2,009Fees
0.369%Above
7,686
7
MLD MORTGAGE INC.
Independent Mortgage CompanyDirect
Strong
Sound
Exceptional
Strong
$1,971Fees
0.443%Above
526
8
PROVIDENT FUNDING ASSOCIATES, L.P.
Independent Mortgage CompanyWholesale
Strong
Exceptional*
Sound
Strong
$762Fees
0.019%Above
338
9
GMFS LLC
Independent Mortgage CompanyDirect & Wholesale
Strong
Sound*
Exceptional
Strong
$1,888Fees
0.500%Above
266
10
A & N MORTGAGE SERVICES, INC.
Independent Mortgage CompanyDirect
Strong
Sound
Strong
Exceptional
$1,570Fees
0.336%Above
1,149
11
TOWNE MORTGAGE COMPANY
Independent Mortgage CompanyWholesale
Strong
Acceptable*
Strong
Exceptional
$1,510Fees
0.539%Above
977
12
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Exceptional
$2,737Fees
0.680%Above
3,156
13
KEY MORTGAGE SERVICES, INC.
Independent Mortgage CompanyDirect
Strong
Sound
Strong
Exceptional
$1,739Fees
0.348%Above
1,273
14
THE LOAN STORE, INC.
Independent Mortgage CompanyWholesale
Strong
Acceptable*
Strong
Exceptional
$336Fees
0.307%Above
963
15
FREEDOM MORTGAGE CORPORATION
Independent Mortgage CompanyDirect & Wholesale
Strong
Sound*
Strong
Strong
$2,040Fees
0.663%Above
815
16
DELMAR FINANCIAL COMPANY
Independent Mortgage CompanyDirect
Strong
Sound
Strong
Exceptional
$1,519Fees
0.434%Above
597
17
ARK-LA-TEX FINANCIAL SERVICES, LLC.
Independent Mortgage CompanyDirect & Wholesale
Strong
Sound*
Exceptional
Strong
$937Fees
0.633%Above
354
18
GUILD MORTGAGE COMPANY LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Exceptional
$2,378Fees
0.587%Above
2,081
19
PENNYMAC LOAN SERVICES, LLC
Independent Mortgage CompanyDirect & Wholesale
Strong
Sound*
Strong
Strong
$1,170Fees
0.188%Above
781
20
PROPER RATE, LLC
Independent Mortgage CompanyDirect
Strong
Sound
Sound
Exceptional
$1,656Fees
0.268%Above
1,337
21
COMPASS MORTGAGE, INC.
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Exceptional
$2,500Fees
0.580%Above
904
22
MUTUAL OF OMAHA MORTGAGE, INC.
Independent Mortgage CompanyDirect
Strong
Sound
Sound
Strong
$1,661Fees
0.439%Above
810
23
CROSSCOUNTRY MORTGAGE, LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Strong
Exceptional
$2,820Fees
0.594%Above
4,482
24
Mortgage Research Center, LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Strong
Exceptional
$1,764Fees
0.679%Above
2,244
25
BAY EQUITY LLC
Independent Mortgage CompanyDirect
Strong
Sound
Strong
Exceptional
$2,346Fees
0.295%Above
896
26
COMMUNITY BANC MORTGAGE CORPORATION
Independent Mortgage CompanyWholesale
Strong
Strong*
Sound
Strong
$1,042Fees
0.368%Above
261
27
AMERICAN PACIFIC MORTGAGE CORPORATION
Independent Mortgage CompanyDirect
Strong
Mediocre
Exceptional
Exceptional
$3,206Fees
0.684%Above
2,009
28
UNION HOME MORTGAGE CORP.
Independent Mortgage CompanyDirect & Wholesale
Strong
Acceptable*
Exceptional
Strong
$1,835Fees
0.590%Above
980
29
M/I FINANCIAL, LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Strong
Strong
$3,266Fees
0.139%Above
489
30
RESICENTRAL, LLC
Independent Mortgage CompanyWholesale
Strong
Sound*
Sound
Strong
$298Fees
0.525%Above
476
31
POINT MORTGAGE CORPORATION
Independent Mortgage CompanyDirect
Strong
Sound
Strong
Strong
$1,541Fees
0.344%Above
410
32
LOWER, LLC
Independent Mortgage CompanyDirect & Wholesale
Strong
Acceptable*
Strong
Exceptional
$1,510Fees
0.608%Above
1,031
33
Prosperity Home Mortgage, LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Strong
Strong
$2,281Fees
0.479%Above
391
34
T2 FINANCIAL LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Strong
$1,331Fees
0.369%Above
337
35
MOVEMENT MORTGAGE, LLC
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Strong
$2,088Fees
0.479%Above
321
36
PRIMELENDING, A PLAINSCAPITAL COMPANY
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Strong
$2,004Fees
0.555%Above
477
37
UNITED HOME LOANS, INC.
Independent Mortgage CompanyDirect
Strong
Acceptable
Strong
Exceptional
$1,925Fees
0.399%Above
435
38
CMG MORTGAGE, INC.
Independent Mortgage CompanyDirect
Strong
Acceptable
Exceptional
Strong
$1,532Fees
0.398%Above
315
39
PLAZA HOME MORTGAGE, INC.
Independent Mortgage CompanyWholesale
Sound
Acceptable*
Strong
Strong
$1,553Fees
0.469%Above
418
40
NEWREZ LLC
Independent Mortgage CompanyDirect & Wholesale
Sound
Acceptable*
Sound
Exceptional
$2,239Fees
0.629%Above
1,112
41
GUARANTEED RATE AFFINITY, LLC
Independent Mortgage CompanyDirect
Sound
Acceptable
Strong
Strong
$1,993Fees
0.486%Above
838
42
DAS Acquisition Company, LLC
Independent Mortgage CompanyDirect
Sound
Acceptable
Exceptional
Strong
$1,615Fees
0.649%Above
300
43
NEW AMERICAN FUNDING, LLC
Independent Mortgage CompanyDirect
Sound
Acceptable
Sound
Exceptional
$1,989Fees
0.723%Above
2,381
44
NATIONSTAR MORTGAGE LLC
Independent Mortgage CompanyDirect
Sound
Acceptable
Strong
Strong
$3,530Fees
0.493%Above
693
45
LEADERONE FINANCIAL CORPORATION
Independent Mortgage CompanyDirect
Sound
Acceptable
Strong
Strong
$2,362Fees
0.706%Above
447
46
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION
Independent Mortgage CompanyDirect & Wholesale
Sound
Acceptable*
Strong
Strong
$1,800Fees
0.430%Above
356
47
AMERICAN PORTFOLIO MORTGAGE CORPORATION
Independent Mortgage CompanyDirect
Sound
Acceptable
Strong
Strong
$2,424Fees
0.627%Above
346
48
AMERIHOME MORTGAGE COMPANY, LLC
Independent Mortgage CompanyDirect & Wholesale
Sound
Sound*
Sound
Strong
$1,902Fees
0.602%Above
319
49
AMERICAN FINANCIAL NETWORK, INC.
Independent Mortgage CompanyDirect & Wholesale
Sound
Acceptable*
Strong
Strong
$2,553Fees
0.858%Above
256
50
ENDEAVOR CAPITAL, LLC.
Independent Mortgage CompanyDirect
Sound
Acceptable
Sound
Strong
$2,034Fees
0.518%Above
331

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.