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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 Conventional Mortgage Company Lenders in Illinois
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $762 | +0.019% | 338 | |
2 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,201 | +0.447% | 1,599 | |
3 | FIRST STATE MORTGAGE SERVICES, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,493 | +0.362% | 1,052 | |
4 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,865 | +0.657% | 2,802 | |
5 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,346 | +0.295% | 896 | |
6 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,888 | +0.500% | 266 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,855 | +0.413% | 7,352 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,394 | +0.490% | 7,176 | |
9 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,570 | +0.336% | 1,149 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,661 | +0.439% | 810 | |
11 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Exceptional | $1,519 | +0.434% | 597 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,553 | +0.469% | 418 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $937 | +0.633% | 354 | |
14 | COMMUNITY BANC MORTGAGE CORPORATION | Strong | Strong | Strong | Sound | Strong | $1,042 | +0.368% | 261 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820 | +0.594% | 4,482 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,737 | +0.680% | 3,156 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378 | +0.587% | 2,081 | |
19 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Exceptional | $1,656 | +0.268% | 1,337 | |
20 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,739 | +0.348% | 1,273 | |
21 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510 | +0.608% | 1,031 | |
22 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510 | +0.539% | 977 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $336 | +0.307% | 963 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,170 | +0.188% | 781 | |
25 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $1,971 | +0.443% | 526 | |
26 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $1,541 | +0.344% | 410 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,902 | +0.602% | 319 | |
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 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,835 | +0.590% | 980 | |
31 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,500 | +0.580% | 904 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,040 | +0.663% | 815 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,530 | +0.493% | 693 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,004 | +0.555% | 477 | |
35 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $298 | +0.525% | 476 | |
36 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,362 | +0.706% | 447 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,281 | +0.479% | 391 | |
38 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,800 | +0.430% | 356 | |
39 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,331 | +0.369% | 337 | |
40 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,088 | +0.479% | 321 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,532 | +0.398% | 315 | |
42 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,615 | +0.649% | 300 | |
43 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,553 | +0.858% | 256 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,764 | +0.679% | 2,244 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,206 | +0.684% | 2,009 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,993 | +0.486% | 838 | |
47 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,266 | +0.139% | 489 | |
48 | UNITED HOME LOANS, INC. | Strong | Acceptable | Sound | Sound | Exceptional | $1,925 | +0.399% | 435 | |
49 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,424 | +0.627% | 346 | |
50 | ENDEAVOR CAPITAL, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,034 | +0.518% | 331 |
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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