# Best VA Mortgage Lenders in Illinois

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

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

> **Canonical URL:** https://saferate.com/illinois/best-mortgage-lenders/va-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 | GREENSTATE Credit Union | 100 | 90 | 86 | 2,002 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 7,352 | Independent Mortgage Company |
| 3 | INB, National Association | 95 | 81 | 83 | 653 | Bank |
| 4 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 7,686 | Independent Mortgage Company |
| 5 | The Huntington National Bank | 89 | 77 | 63 | 2,085 | Bank |
| 6 | U.S. Bank National Association | 89 | 71 | 65 | 2,055 | Bank |
| 7 | PROPER RATE, LLC | 89 | 83 | 64 | 1,337 | Independent Mortgage Company |
| 8 | Fifth Third Bank, National Association | 89 | 81 | 60 | 1,233 | Bank |
| 9 | FCB Banks | 89 | 83 | 69 | 566 | Bank |
| 10 | TOWNE MORTGAGE COMPANY | 88 | 44 | 87 | 977 | Independent Mortgage Company |
| 11 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 838 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 815 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 781 | Independent Mortgage Company |
| 14 | Old National Bank | 85 | 93 | 63 | 626 | Bank |
| 15 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 391 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 6,487 | Bank |
| 17 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 2,802 | Independent Mortgage Company |
| 18 | NEWREZ LLC | 83 | 47 | 63 | 1,112 | Independent Mortgage Company |
| 19 | FIRST STATE MORTGAGE SERVICES, LLC | 83 | 59 | 82 | 1,052 | Independent Mortgage Company |
| 20 | THE LOAN STORE, INC. | 83 | 51 | 75 | 963 | Independent Mortgage Company |
| 21 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 707 | Credit Union |
| 22 | Busey Bank | 83 | 63 | 84 | 669 | Bank |
| 23 | United Community Bank | 83 | 84 | 73 | 649 | Bank |
| 24 | M/I FINANCIAL, LLC | 83 | 52 | 81 | 489 | Independent Mortgage Company |
| 25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 477 | Independent Mortgage Company |
| 26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 354 | Independent Mortgage Company |
| 27 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 321 | Independent Mortgage Company |
| 28 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 315 | Independent Mortgage Company |
| 29 | MLD MORTGAGE INC. | 80 | 68 | 79 | 526 | Independent Mortgage Company |
| 30 | Bank of Springfield | 80 | 77 | 72 | 373 | Bank |
| 31 | Carrollton Bank | 80 | 77 | 63 | 365 | Bank |
| 32 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 7,176 | Independent Mortgage Company |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 3,156 | Independent Mortgage Company |
| 34 | FLAT BRANCH MORTGAGE, INC. | 80 | 37 | 85 | 1,599 | Independent Mortgage Company |
| 35 | KEY MORTGAGE SERVICES, INC. | 79 | 41 | 71 | 1,273 | Independent Mortgage Company |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 810 | Independent Mortgage Company |
| 37 | Flagstar Bank, N.A. | 79 | 56 | 68 | 704 | Bank |
| 38 | DELMAR FINANCIAL COMPANY | 79 | 56 | 80 | 597 | Independent Mortgage Company |
| 39 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 418 | Independent Mortgage Company |
| 40 | POINT MORTGAGE CORPORATION | 79 | 59 | 80 | 410 | Independent Mortgage Company |
| 41 | SCOTT CREDIT UNION | 79 | 82 | 56 | 378 | Credit Union |
| 42 | USAA Federal Savings Bank | 79 | 62 | 58 | 361 | Bank |
| 43 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 4,482 | Independent Mortgage Company |
| 44 | Mortgage Research Center, LLC | 75 | 34 | 61 | 2,244 | Independent Mortgage Company |
| 45 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 2,081 | Independent Mortgage Company |
| 46 | LOWER, LLC | 75 | 25 | 63 | 1,031 | Independent Mortgage Company |
| 47 | BAY EQUITY LLC | 75 | 38 | 73 | 896 | Independent Mortgage Company |
| 48 | T2 FINANCIAL LLC | 75 | 22 | 82 | 337 | Independent Mortgage Company |
| 49 | OCMBC, INC. | 74 | 43 | 63 | 261 | Independent Mortgage Company |
| 50 | A & N MORTGAGE SERVICES, INC. | 73 | 49 | 66 | 1,149 | 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.