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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 USDA Mortgage Company Lenders in Illinois
Updated February 6, 2026
Market Overview
17
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,855 | +0.413% | 7,352 | |
2 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,378 | +0.587% | 2,081 | |
3 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,239 | +0.629% | 1,112 | |
4 | FIRST STATE MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,493 | +0.362% | 1,052 | |
5 | COMMUNITY BANC MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,042 | +0.368% | 261 | |
6 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,201 | +0.447% | 1,599 | |
7 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
8 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,865 | +0.657% | 2,802 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,004 | +0.555% | 477 | |
10 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,362 | +0.706% | 447 | |
11 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,039 | +0.917% | 253 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,820 | +0.594% | 4,482 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,737 | +0.680% | 3,156 | |
14 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,989 | +0.723% | 2,381 | |
15 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $1,615 | +0.649% | 300 | |
16 | COMPASS MORTGAGE, INC. | Sound | Acceptable | Sound | Acceptable | Exceptional | $2,500 | +0.580% | 904 | |
17 | DELMAR FINANCIAL COMPANY | Sound | Acceptable | Sound | Acceptable | Exceptional | $1,519 | +0.434% | 597 |
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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