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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 FHA Mortgage Company Lenders in Illinois

Updated February 6, 2026

Market Overview

Total Lenders

123,748

Total Loans

0.41%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,855	+0.413%	7,352
2	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,201	+0.447%	1,599
3	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,510	+0.539%	977
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,040	+0.663%	815
5	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,281	+0.479%	391
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$937	+0.633%	354
7	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,888	+0.500%	266
8	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,865	+0.657%	2,802
9	A & N MORTGAGE SERVICES, INC.	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,570	+0.336%	1,149
10	FIRST STATE MORTGAGE SERVICES, LLC	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,493	+0.362%	1,052
11	THE LOAN STORE, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$336	+0.307%	963
12	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,170	+0.188%	781
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,394	+0.490%	7,176
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,737	+0.680%	3,156
15	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,239	+0.629%	1,112
16	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Exceptional	$1,519	+0.434%	597
17	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$1,971	+0.443%	526
18	M/I FINANCIAL, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,266	+0.139%	489
19	RESICENTRAL, LLC	Strong	Strong	Strong	Sound	Strong	$298	+0.525%	476
20	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,009	+0.369%	7,686
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,378	+0.587%	2,081
22	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,739	+0.348%	1,273
23	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,510	+0.608%	1,031
24	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,835	+0.590%	980
25	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,346	+0.295%	896
26	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,004	+0.555%	477
27	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,331	+0.369%	337
28	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$1,764	+0.679%	2,244
29	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,206	+0.684%	2,009
30	PROPER RATE, LLC	Strong	Sound	Sound	Sound	Exceptional	$1,656	+0.268%	1,337
31	COMPASS MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,500	+0.580%	904
32	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,993	+0.486%	838
33	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,553	+0.469%	418
34	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$1,800	+0.430%	356
35	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,424	+0.627%	346
36	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,088	+0.479%	321
37	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$1,902	+0.602%	319
38	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,532	+0.398%	315
39	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,448	+0.988%	261
40	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,553	+0.858%	256
41	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,039	+0.917%	253
42	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,820	+0.594%	4,482
43	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$1,661	+0.439%	810
44	UNITED HOME LOANS, INC.	Strong	Acceptable	Sound	Strong	Exceptional	$1,925	+0.399%	435
45	POINT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$1,541	+0.344%	410
46	DAS Acquisition Company, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$1,615	+0.649%	300
47	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Strong	$3,680	+0.805%	255
48	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,076	+0.530%	252
49	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,530	+0.493%	693
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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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