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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 Lenders in Illinois
Updated February 6, 2026
Market Overview
360
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 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $833 | +0.048% | 2,002 | |
2 | INB, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $640 | +0.308% | 653 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,855 | +0.413% | 7,352 | |
4 | PROPER RATE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,656 | +0.268% | 1,337 | |
5 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | -$339 | +0.266% | 1,233 | |
6 | FCB Banks | Exceptional | Exceptional | Strong | Strong | Exceptional | $715 | -0.092% | 566 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,009 | +0.369% | 7,686 | |
8 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$745 | +0.195% | 2,085 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $460 | +0.254% | 2,055 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $456 | -0.440% | 707 | |
11 | United Community Bank | Exceptional | Exceptional | — | Strong | Exceptional | $121 | +0.128% | 649 | |
12 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Strong | $861 | +0.034% | 626 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,688 | +0.163% | 6,487 | |
14 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,510 | +0.539% | 977 | |
15 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,993 | +0.486% | 838 | |
16 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,040 | +0.663% | 815 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,170 | +0.188% | 781 | |
18 | Busey Bank | Exceptional | Strong | — | Exceptional | Exceptional | $911 | +0.312% | 669 | |
19 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,281 | +0.479% | 391 | |
20 | SCOTT CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Strong | $664 | +0.068% | 378 | |
21 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,865 | +0.657% | 2,802 | |
22 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,239 | +0.629% | 1,112 | |
23 | FIRST STATE MORTGAGE SERVICES, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,493 | +0.362% | 1,052 | |
24 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $336 | +0.307% | 963 | |
25 | MLD MORTGAGE INC. | Exceptional | Strong | Strong | Strong | Strong | $1,971 | +0.443% | 526 | |
26 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,266 | +0.139% | 489 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,004 | +0.555% | 477 | |
28 | Bank of Springfield | Exceptional | Strong | Strong | Strong | Strong | $461 | +0.093% | 373 | |
29 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $776 | +0.080% | 365 | |
30 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,493 | -0.059% | 361 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $937 | +0.633% | 354 | |
32 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,088 | +0.479% | 321 | |
33 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,532 | +0.398% | 315 | |
34 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,394 | +0.490% | 7,176 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,737 | +0.680% | 3,156 | |
36 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,201 | +0.447% | 1,599 | |
37 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,739 | +0.348% | 1,273 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,661 | +0.439% | 810 | |
39 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,249 | +0.530% | 704 | |
40 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Exceptional | $1,519 | +0.434% | 597 | |
41 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,553 | +0.469% | 418 | |
42 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $1,541 | +0.344% | 410 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820 | +0.594% | 4,482 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,764 | +0.679% | 2,244 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378 | +0.587% | 2,081 | |
46 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Sound | Strong | Exceptional | $1,570 | +0.336% | 1,149 | |
47 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510 | +0.608% | 1,031 | |
48 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,346 | +0.295% | 896 | |
49 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,331 | +0.369% | 337 | |
50 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $3,448 | +0.988% | 261 |
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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