Safe Rate Rankings
Best Mortgage Lenders in Chicago
Updated June 4, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders254
Total Loans69,290
Median Rate Spread0.45%
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | $894Fees | 0.049%Above | 826 | ||
2 | Associated Bank, National Association BankDirect | Exceptional | Exceptional | Strong | Strong | $520Fees | 0.097%Above | 305 | ||
3 | Old National Bank BankDirect | Strong | Exceptional | Strong | Strong | $909Fees | 0.018%Above | 452 | ||
4 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,875Fees | 0.444%Above | 5,055 | ||
 Verified Broker Partner Dylan HallSafe Rate Mortgage · NMLS #1658740 Dylan is a verified Safe Rate partner and licensed broker who actively works with UNITED WHOLESALE MORTGAGE, LLC. Also approved with: PENNYMAC LOAN SERVICES, LLC (#35) | ||||||||||
5 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Exceptional | $173Fees | 0.152%Above | 1,013 | ||
6 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,662Fees | 0.093%Below | 814 | ||
7 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | $275Fees | 0.438%Below | 221 | ||
8 | The Huntington National Bank BankDirect | Strong | Strong | Strong | Exceptional | $876Credit | 0.180%Above | 1,680 | ||
9 | Citibank, National Association BankDirect | Strong | Exceptional | Sound | Exceptional | $1,772Credit | 0.106%Below | 702 | ||
10 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $533Fees | 0.502%Below | 312 | ||
11 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,681Fees | 0.147%Above | 5,072 | ||
12 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,536Fees | 0.424%Above | 3,770 | ||
13 | Busey Bank BankDirect | Strong | Strong | Exceptional | Strong | $788Fees | 0.667%Above | 160 | ||
14 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Strong | $686Fees | 0.045%Below | 147 | ||
15 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,024Fees | 0.354%Above | 5,815 | ||
16 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,845Fees | 0.666%Above | 2,013 | ||
17 | A & N MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,607Fees | 0.337%Above | 1,027 | ||
18 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Strong | Exceptional | $501Credit | 0.216%Above | 937 | ||
19 | CIBC Bank USA BankDirect | Strong | Strong | Sound | Strong | $1,094Credit | 0.159%Above | 185 | ||
20 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $252Credit | 0.168%Above | 347 | ||
21 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $731Fees | 0.031%Above | 224 | ||
22 | GMFS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $1,762Fees | 0.474%Above | 177 | ||
23 | TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $1,472Fees | 0.561%Above | 734 | ||
24 | MLD MORTGAGE INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $2,488Fees | 0.373%Above | 213 | ||
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,744Fees | 0.649%Above | 2,058 | ||
26 | Barrington Bank & Trust Company, National Association BankDirect | Strong | Acceptable | Strong | Exceptional | $1,916Fees | 0.445%Above | 1,731 | ||
27 | KEY MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,736Fees | 0.344%Above | 967 | ||
28 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $377Fees | 0.318%Above | 717 | ||
29 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,683Fees | 0.061%Below | 469 | ||
30 | BMO Bank National Association BankDirect | Strong | Sound | Sound | Strong | $406Fees | 0.420%Above | 453 | ||
31 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,052Fees | 0.567%Above | 421 | ||
32 | Marquette Bank BankDirect | Strong | Strong | Sound | Strong | $1,676Fees | 0.055%Above | 174 | ||
33 | NUMARK CREDIT UNION Credit UnionDirect | Strong | Strong | Sound | Strong | $1,361Fees | 0.198%Above | 152 | ||
34 | PROPER RATE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Sound | Exceptional | $1,665Fees | 0.261%Above | 1,200 | ||
35 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $918Fees | 0.297%Above | 493 | ||
Verified Broker Partner Dylan HallSafe Rate Mortgage · NMLS #1658740 Dylan is a verified Safe Rate partner and licensed broker who actively works with PENNYMAC LOAN SERVICES, LLC. Also approved with: UNITED WHOLESALE MORTGAGE, LLC (#4) | ||||||||||
36 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $832Fees | 0.682%Above | 185 | ||
37 | First American Bank BankDirect | Strong | Strong | Sound | Strong | $1,203Fees | 0.144%Above | 141 | ||
38 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,272Fees | 0.312%Above | 744 | ||
39 | COMPASS MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,732Fees | 0.579%Above | 537 | ||
40 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | $1,694Fees | 0.399%Above | 501 | ||
41 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $2,367Fees | 0.559%Above | 460 | ||
42 | ALLIANT CREDIT UNION Credit UnionDirect | Strong | Strong | Sound | Strong | $629Fees | 0.041%Above | 170 | ||
43 | Nations Lending Corporation Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,557Fees | 0.504%Above | 159 | ||
44 | Liberty Bank for Savings BankDirect | Strong | Strong | Sound | Strong | $581Fees | 0.254%Below | 149 | ||
45 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $2,831Fees | 0.552%Above | 3,117 | ||
46 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $1,839Fees | 0.570%Above | 819 | ||
47 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,394Fees | 0.604%Above | 814 | ||
48 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Sound | Strong | $334Fees | 0.503%Above | 378 | ||
49 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $3,172Fees | 0.689%Above | 1,346 | ||
50 | M/I FINANCIAL, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $3,230Fees | 0.106%Above | 283 | ||
How We Rank Lenders
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.