# Best USDA Mortgage Lenders in Illinois

**As of:** 2026-05-19

Compare the top USDA mortgage lenders in Illinois. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/illinois/best-mortgage-lenders/usda-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 360
- **Total Loans:** 123,748
- **Median Rate Spread:** 0.4065768115942029%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FCB Banks | 95 | 92 | 81 | 566 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 7,352 | Independent Mortgage Company |
| 3 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 2,081 | Independent Mortgage Company |
| 4 | NEWREZ LLC | 89 | 65 | 69 | 1,112 | Independent Mortgage Company |
| 5 | FIRST STATE MORTGAGE SERVICES, LLC | 89 | 64 | 78 | 1,052 | Independent Mortgage Company |
| 6 | First Mid Bank & Trust, National Association | 85 | 78 | 62 | 741 | Bank |
| 7 | COMMUNITY BANC MORTGAGE CORPORATION | 85 | 72 | 60 | 261 | Independent Mortgage Company |
| 8 | U.S. Bank National Association | 83 | 61 | 53 | 2,055 | Bank |
| 9 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 1,599 | Independent Mortgage Company |
| 10 | United Community Bank | 83 | 84 | 51 | 649 | Bank |
| 11 | Peoples National Bank , N.A. | 80 | 72 | 64 | 283 | Bank |
| 12 | Heartland Bank and Trust Company | 79 | 67 | 50 | 371 | Bank |
| 13 | GUARANTEED RATE, INC. | 75 | 34 | 67 | 7,686 | Independent Mortgage Company |
| 14 | Carrollton Bank | 74 | 71 | 70 | 365 | Bank |
| 15 | Petefish, Skiles & Co. | 74 | 73 | 53 | 252 | Bank |
| 16 | Flagstar Bank, N.A. | 73 | 41 | 58 | 704 | Bank |
| 17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 22 | 77 | 477 | Independent Mortgage Company |
| 18 | LEADERONE FINANCIAL CORPORATION | 71 | 24 | 70 | 447 | Independent Mortgage Company |
| 19 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 253 | Independent Mortgage Company |
| 20 | LOANDEPOT.COM, LLC | 70 | 31 | 59 | 2,802 | Independent Mortgage Company |
| 21 | Midland States Bank | 66 | 38 | 54 | 426 | Bank |
| 22 | Regions Bank | 66 | 32 | 57 | 345 | Bank |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 7 | 70 | 4,482 | Independent Mortgage Company |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 3,156 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 63 | 5 | 62 | 2,381 | Independent Mortgage Company |
| 26 | Ixonia Bank | 60 | 2 | 74 | 536 | Bank |
| 27 | DAS Acquisition Company, LLC | 60 | 10 | 73 | 300 | Independent Mortgage Company |
| 28 | COMPASS MORTGAGE, INC. | 56 | 23 | 27 | 904 | Independent Mortgage Company |
| 29 | DELMAR FINANCIAL COMPANY | 56 | 34 | 27 | 597 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Illinois.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.