# Best FHA Mortgage Lenders in Chicago

**As of:** 2026-06-04

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

> **Canonical URL:** https://saferate.com/local/chicago/best-mortgage-lenders/fha-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


## Local Featured Partners

Safe Rate partners with local mortgage experts to provide exceptional service in Chicago.

### Dylan Hall (Safe Rate Mortgage)
- **NMLS:** 1658740
- **Partnered Lenders:** Equity Prime Mortgage, Lendsure Mortgage, PENNYMAC LOAN SERVICES, LLC, Safe Rate Mortgage, UNITED WHOLESALE MORTGAGE, LLC
- **View Profile & Get Quote:** https://saferate.com/brokers/dylan-hall-1658740

## Market Statistics

- **Total Lenders:** 254
- **Total Loans:** 69,290
- **Median Rate Spread:** 0.4462418032786885%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [GREENSTATE Credit Union](https://saferate.com/lenders/greenstate-credit-union) | 85 | 94 | 81 | 83 | 83 | $894 | 0.049% | 826 | Credit Union | Direct | — |
| 2 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 82 | 52 | 100 | 81 | 94 | $1875 | 0.444% | 5,055 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 3 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | 79 | 75 | 87 | 65 | 89 | -$876 (Credit) | 0.180% | 1,680 | Bank | Direct | — |
| 4 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 77 | 36 | 100 | 81 | 92 | $3536 | 0.424% | 3,770 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 5 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 77 | 59 | 95 | 68 | 88 | $2845 | 0.666% | 2,013 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 6 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 76 | 78 | 91 | 59 | 74 | $918 | 0.297% | 493 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 7 | [Associated Bank, National Association](https://saferate.com/lenders/associated-bank-national-association) | 76 | 91 | 72 | 66 | 74 | $520 | 0.097% | 305 | Bank | Direct | — |
| 8 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 75 | 38 | 92 | 68 | 100 | $2024 | 0.354% | 5,815 | Independent Mortgage Company | Direct | — |
| 9 | [Old National Bank](https://saferate.com/lenders/old-national-bank) | 75 | 91 | 72 | 60 | 78 | $909 | 0.018% | 452 | Bank | Direct | — |
| 10 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 74 | 72 | 82 | 58 | 84 | -$501 (Credit) | 0.216% | 937 | Bank | Direct | — |
| 11 | [TOWNE MORTGAGE COMPANY](https://saferate.com/lenders/towne-mortgage-mi) | 74 | 46 | 88 | 82 | 83 | $1472 | 0.561% | 734 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 12 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 74 | 58 | 92 | 71 | 74 | $2367 | 0.559% | 460 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 13 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 74 | 61 | 91 | 79 | 65 | $832 | 0.682% | 185 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Ark-La-Tex Financial Services directly or with a mortgage broker. |
| 14 | [GMFS LLC](https://saferate.com/lenders/gmfs) | 74 | 68 | 85 | 77 | 66 | $1762 | 0.474% | 177 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Gmfs Llc directly or with a mortgage broker. |
| 15 | [A & N MORTGAGE SERVICES, INC.](https://saferate.com/lenders/a-n-mortgage-services) | 73 | 59 | 60 | 84 | 91 | $1607 | 0.337% | 1,027 | Independent Mortgage Company | Direct | — |
| 16 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 73 | 65 | 85 | 60 | 81 | $173 | 0.152% | 1,013 | Bank | Direct | — |
| 17 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 73 | 65 | 95 | 62 | 72 | $2052 | 0.567% | 421 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 18 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 73 | 63 | 88 | 72 | 69 | $2442 | 0.486% | 298 | Independent Mortgage Company | Direct | — |
| 19 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 72 | 49 | 86 | 72 | 80 | $377 | 0.318% | 717 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 20 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 71 | 59 | 79 | 47 | 98 | $1681 | 0.147% | 5,072 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 21 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 71 | 20 | 95 | 82 | 88 | $2744 | 0.649% | 2,058 | Independent Mortgage Company | Direct | — |
| 22 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 71 | 29 | 96 | 80 | 78 | $2394 | 0.604% | 814 | Independent Mortgage Company | Direct | — |
| 23 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 70 | 52 | 93 | 56 | 77 | $2305 | 0.625% | 659 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 24 | [M/I FINANCIAL, LLC](https://saferate.com/lenders/mi-financial) | 70 | 47 | 83 | 80 | 71 | $3230 | 0.106% | 283 | Independent Mortgage Company | Direct | — |
| 25 | [CIBC Bank USA](https://saferate.com/lenders/cibc-bank-usa) | 70 | 88 | 60 | 56 | 75 | -$1094 (Credit) | 0.159% | 185 | Bank | Direct | — |
| 26 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 70 | 88 | 73 | 54 | 64 | $686 | -0.045% | 147 | Bank | Direct | — |
| 27 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | 70 | 55 | 90 | 71 | 62 | $2183 | 0.556% | 141 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 28 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 69 | 19 | 96 | 69 | 92 | $2831 | 0.552% | 3,117 | Independent Mortgage Company | Direct | — |
| 29 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 69 | 37 | 85 | 72 | 81 | $2272 | 0.312% | 744 | Independent Mortgage Company | Direct | — |
| 30 | [MLD MORTGAGE INC.](https://saferate.com/lenders/mld-mortgage) | 69 | 47 | 82 | 75 | 70 | $2488 | 0.373% | 213 | Independent Mortgage Company | Direct | — |
| 31 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 68 | 22 | 91 | 80 | 80 | $1839 | 0.570% | 819 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 32 | [RESICENTRAL, LLC](https://saferate.com/lenders/resicentral) | 68 | 68 | 74 | 56 | 76 | $334 | 0.503% | 378 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 33 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 68 | 29 | 88 | 82 | 71 | $1264 | 0.341% | 276 | Independent Mortgage Company | Direct | — |
| 34 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | 68 | 38 | 92 | 79 | 63 | $1746 | 0.514% | 153 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Cardinal Financial Company, Limited Partnership directly or with a mortgage broker. |
| 35 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 67 | 10 | 92 | 81 | 86 | $3172 | 0.689% | 1,346 | Independent Mortgage Company | Direct | — |
| 36 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 67 | 62 | 78 | 56 | 72 | -$252 (Credit) | 0.168% | 347 | Bank | Direct | — |
| 37 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 67 | 30 | 94 | 79 | 65 | $2237 | 0.442% | 225 | Independent Mortgage Company | Direct | — |
| 38 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 67 | 32 | 94 | 79 | 63 | $1617 | 0.414% | 178 | Independent Mortgage Company | Direct | — |
| 39 | [Barrington Bank & Trust Company, National Association](https://saferate.com/lenders/barrington-bank-trust-company-national-association) | 66 | 28 | 82 | 62 | 92 | $1916 | 0.445% | 1,731 | Bank | Direct | — |
| 40 | [LOWER, LLC](https://saferate.com/lenders/lower) | 66 | 29 | 90 | 66 | 79 | $1479 | 0.565% | 675 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 41 | [COMPASS MORTGAGE, INC.](https://saferate.com/lenders/compass-mortgage) | 66 | 24 | 77 | 78 | 84 | $2732 | 0.579% | 537 | Independent Mortgage Company | Direct | — |
| 42 | [AMERICAN PORTFOLIO MORTGAGE CORPORATION](https://saferate.com/lenders/american-portfolio-mortgage) | 66 | 32 | 82 | 76 | 73 | $2496 | 0.649% | 264 | Independent Mortgage Company | Direct | — |
| 43 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | 66 | 39 | 87 | 72 | 67 | $3311 | 0.991% | 200 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 44 | [Nations Lending Corporation](https://saferate.com/lenders/nations-lending) | 66 | 27 | 87 | 83 | 65 | $2557 | 0.504% | 159 | Independent Mortgage Company | Direct | — |
| 45 | [KEY MORTGAGE SERVICES, INC.](https://saferate.com/lenders/key-mortgage-services) | 65 | 52 | 66 | 54 | 90 | $1736 | 0.344% | 967 | Independent Mortgage Company | Direct | — |
| 46 | [CIBM Bank](https://saferate.com/lenders/cibm-bank) | 65 | 55 | 68 | 64 | 74 | $1325 | 0.441% | 215 | Bank | Direct | — |
| 47 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 65 | 22 | 91 | 82 | 63 | $2876 | 0.696% | 166 | Independent Mortgage Company | Direct | — |
| 48 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 64 | 33 | 81 | 63 | 79 | $2082 | 0.494% | 632 | Independent Mortgage Company | Direct | — |
| 49 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 64 | 30 | 90 | 65 | 69 | $1315 | 0.500% | 263 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 50 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 63 | 36 | 84 | 56 | 76 | $1694 | 0.399% | 501 | Independent Mortgage Company | Direct | — |

## 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 Chicago.

Our composite Safe Rate Score is derived using a weighted average 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.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/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)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/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.