Safe Rate Rankings
Best FHA 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%
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
★ Chicago Exclusive Offer ★
Get a personalized quote from Safe Rate Mortgage (NMLS #1590949). Competitive rates, easy process, and a personal touch.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $894Fees | 0.049%Above | 826 | ||
2 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | 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 (#6) | |||||||||||
3 | The Huntington National Bank BankDirect | Strong | Strong | Exceptional | Strong | Exceptional | $876Credit | 0.180%Above | 1,680 | ||
4 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,536Fees | 0.424%Above | 3,770 | ||
5 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $2,845Fees | 0.666%Above | 2,013 | ||
6 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Sound | 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 (#2) | |||||||||||
7 | Associated Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | Strong | $520Fees | 0.097%Above | 305 | ||
8 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,024Fees | 0.354%Above | 5,815 | ||
9 | Old National Bank BankDirect | Strong | Exceptional | Strong | Sound | Strong | $909Fees | 0.018%Above | 452 | ||
10 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $501Credit | 0.216%Above | 937 | ||
11 | TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | Exceptional | $1,472Fees | 0.561%Above | 734 | ||
12 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,367Fees | 0.559%Above | 460 | ||
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $832Fees | 0.682%Above | 185 | ||
14 | GMFS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $1,762Fees | 0.474%Above | 177 | ||
15 | A & N MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | Exceptional | $1,607Fees | 0.337%Above | 1,027 | ||
16 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $173Fees | 0.152%Above | 1,013 | ||
17 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $2,052Fees | 0.567%Above | 421 | ||
18 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $2,442Fees | 0.486%Above | 298 | ||
19 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $377Fees | 0.318%Above | 717 | ||
20 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Sound | Exceptional | $1,681Fees | 0.147%Above | 5,072 | ||
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,744Fees | 0.649%Above | 2,058 | ||
22 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,394Fees | 0.604%Above | 814 | ||
23 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $2,305Fees | 0.625%Above | 659 | ||
24 | M/I FINANCIAL, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $3,230Fees | 0.106%Above | 283 | ||
25 | CIBC Bank USA BankDirect | Strong | Exceptional | Strong | Sound | Strong | $1,094Credit | 0.159%Above | 185 | ||
26 | NBKC BANK BankDirect | Strong | Exceptional | Strong | Sound | Strong | $686Fees | 0.045%Below | 147 | ||
27 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,183Fees | 0.556%Above | 141 | ||
28 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,831Fees | 0.552%Above | 3,117 | ||
29 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272Fees | 0.312%Above | 744 | ||
30 | MLD MORTGAGE INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $2,488Fees | 0.373%Above | 213 | ||
31 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $1,839Fees | 0.570%Above | 819 | ||
32 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Strong | Strong* | Strong | Sound | Strong | $334Fees | 0.503%Above | 378 | ||
33 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,264Fees | 0.341%Above | 276 | ||
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,746Fees | 0.514%Above | 153 | ||
35 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,172Fees | 0.689%Above | 1,346 | ||
36 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Sound | Strong | $252Credit | 0.168%Above | 347 | ||
37 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,237Fees | 0.442%Above | 225 | ||
38 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $1,617Fees | 0.414%Above | 178 | ||
39 | Barrington Bank & Trust Company, National Association BankDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,916Fees | 0.445%Above | 1,731 | ||
40 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,479Fees | 0.565%Above | 675 | ||
41 | COMPASS MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | Exceptional | $2,732Fees | 0.579%Above | 537 | ||
42 | AMERICAN PORTFOLIO MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,496Fees | 0.649%Above | 264 | ||
43 | OCMBC, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $3,311Fees | 0.991%Above | 200 | ||
44 | Nations Lending Corporation Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,557Fees | 0.504%Above | 159 | ||
45 | KEY MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Exceptional | $1,736Fees | 0.344%Above | 967 | ||
46 | CIBM Bank BankDirect | Strong | Sound | Strong | Strong | Strong | $1,325Fees | 0.441%Above | 215 | ||
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,876Fees | 0.696%Above | 166 | ||
48 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,082Fees | 0.494%Above | 632 | ||
49 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,315Fees | 0.500%Above | 263 | ||
50 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Strong | $1,694Fees | 0.399%Above | 501 | ||
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 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.
⚖️ 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.