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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 VA 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	Strong	Exceptional	Exceptional	Exceptional	$1,855	+0.413%	7,352
2	PROPER RATE, LLC	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,656	+0.268%	1,337
3	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,009	+0.369%	7,686
4	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,510	+0.539%	977
5	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,993	+0.486%	838
6	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,040	+0.663%	815
7	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,170	+0.188%	781
8	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,281	+0.479%	391
9	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,865	+0.657%	2,802
10	NEWREZ LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,239	+0.629%	1,112
11	FIRST STATE MORTGAGE SERVICES, LLC	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,493	+0.362%	1,052
12	THE LOAN STORE, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$336	+0.307%	963
13	MLD MORTGAGE INC.	Exceptional	Strong	Strong	Strong	Strong	$1,971	+0.443%	526
14	M/I FINANCIAL, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,266	+0.139%	489
15	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,004	+0.555%	477
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$937	+0.633%	354
17	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,088	+0.479%	321
18	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,532	+0.398%	315
19	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,394	+0.490%	7,176
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,737	+0.680%	3,156
21	FLAT BRANCH MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,201	+0.447%	1,599
22	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,739	+0.348%	1,273
23	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,661	+0.439%	810
24	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Exceptional	$1,519	+0.434%	597
25	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,553	+0.469%	418
26	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Strong	$1,541	+0.344%	410
27	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,820	+0.594%	4,482
28	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,764	+0.679%	2,244
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,378	+0.587%	2,081
30	A & N MORTGAGE SERVICES, INC.	Strong	Sound	Sound	Strong	Exceptional	$1,570	+0.336%	1,149
31	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,510	+0.608%	1,031
32	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,346	+0.295%	896
33	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,331	+0.369%	337
34	OCMBC, INC.	Strong	Sound	Strong	Strong	Strong	$3,448	+0.988%	261
35	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$1,835	+0.590%	980
36	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,530	+0.493%	693
37	ENDEAVOR CAPITAL, LLC.	Strong	Sound	Strong	Sound	Strong	$2,034	+0.518%	331
38	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,615	+0.649%	300
39	COMMUNITY BANC MORTGAGE CORPORATION	Strong	Strong	Acceptable	Sound	Strong	$1,042	+0.368%	261
40	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,206	+0.684%	2,009
41	UNITED HOME LOANS, INC.	Strong	Acceptable	—	Strong	Exceptional	$1,925	+0.399%	435
42	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$1,800	+0.430%	356
43	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,424	+0.627%	346
44	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,039	+0.917%	253
45	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,076	+0.530%	252
46	NEW AMERICAN FUNDING, LLC	Strong	Mediocre	Exceptional	Sound	Exceptional	$1,989	+0.723%	2,381
47	COMPASS MORTGAGE, INC.	Strong	Mediocre	Strong	Strong	Exceptional	$2,500	+0.580%	904
48	LEADERONE FINANCIAL CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$2,362	+0.706%	447
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,680	+0.805%	255
50	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$2,976	+0.880%	276

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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