# Best Mortgage Lenders in Illinois

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

Compare the top mortgage lenders in Illinois. Data-driven rankings based on pricing, approval rates, and local market expertise.

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


> **📋 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 | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [GREENSTATE Credit Union](https://saferate.com/lenders/greenstate-credit-union) | 88 | 89 | 84 | 91 | $833 | 0.048% | 2,002 | Credit Union | Direct | — |
| 2 | [CITIZENS EQUITY FIRST](https://saferate.com/lenders/citizens-equity-first) | 88 | 93 | 82 | 90 | -$25 (Credit) | 0.070% | 1,186 | Credit Union | Direct | — |
| 3 | [I. H. MISSISSIPPI VALLEY CREDIT UNION](https://saferate.com/lenders/i-h-mississippi-valley-credit-union) | 84 | 89 | 82 | 79 | $985 | -0.303% | 356 | Credit Union | Direct | — |
| 4 | [United Community Bank](https://saferate.com/lenders/united-community-bank-il) | 81 | 84 | 73 | 85 | $121 | 0.128% | 649 | Bank | Direct | — |
| 5 | [FCB Banks](https://saferate.com/lenders/fcb-banks) | 81 | 92 | 67 | 84 | $715 | -0.092% | 566 | Bank | Direct | — |
| 6 | [Associated Bank, National Association](https://saferate.com/lenders/associated-bank-national-association) | 81 | 93 | 72 | 78 | $533 | 0.096% | 484 | Bank | Direct | — |
| 7 | [INB, National Association](https://saferate.com/lenders/inb-national-association) | 80 | 72 | 83 | 85 | $640 | 0.308% | 653 | Bank | Direct | — |
| 8 | [First Mid Bank & Trust, National Association](https://saferate.com/lenders/first-mid-bank-trust-national-association) | 79 | 78 | 74 | 86 | $872 | 0.176% | 741 | Bank | Direct | — |
| 9 | [Bank of Springfield](https://saferate.com/lenders/bank-of-springfield) | 79 | 77 | 81 | 80 | $461 | 0.093% | 373 | Bank | Direct | — |
| 10 | [Old National Bank](https://saferate.com/lenders/old-national-bank) | 78 | 84 | 70 | 79 | $861 | 0.034% | 626 | Bank | Direct | — |
| 11 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 77 | 75 | 71 | 87 | $460 | 0.254% | 2,055 | Bank | Direct | — |
| 12 | [Busey Bank](https://saferate.com/lenders/busey-bank) | 77 | 63 | 84 | 85 | $911 | 0.312% | 669 | Bank | Direct | — |
| 13 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 76 | 41 | 93 | 95 | $1855 | 0.413% | 7,352 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 14 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 76 | 73 | 75 | 80 | $1634 | -0.082% | 1,025 | Bank | Direct | — |
| 15 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 76 | 93 | 60 | 75 | $456 | -0.440% | 707 | Credit Union | Direct | — |
| 16 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 76 | 94 | 66 | 69 | $252 | -0.414% | 295 | Bank | Direct | — |
| 17 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | 75 | 61 | 75 | 89 | -$745 (Credit) | 0.195% | 2,085 | Bank | Direct | — |
| 18 | [FLAT BRANCH MORTGAGE, INC.](https://saferate.com/lenders/flat-branch-mortgage) | 75 | 50 | 89 | 87 | $1201 | 0.447% | 1,599 | Independent Mortgage Company | Direct | — |
| 19 | [FIRST STATE MORTGAGE SERVICES, LLC](https://saferate.com/lenders/first-state-mortgage-services) | 75 | 52 | 84 | 89 | $1493 | 0.362% | 1,052 | Independent Mortgage Company | Direct | — |
| 20 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 75 | 87 | 58 | 80 | -$1743 (Credit) | -0.101% | 811 | Bank | Direct | — |
| 21 | [SCOTT CREDIT UNION](https://saferate.com/lenders/scott-credit-union) | 75 | 78 | 69 | 80 | $664 | 0.068% | 378 | Credit Union | Direct | — |
| 22 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 73 | 29 | 95 | 95 | $3394 | 0.490% | 7,176 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 23 | [Carrollton Bank](https://saferate.com/lenders/carrollton-bank) | 73 | 71 | 70 | 78 | $776 | 0.080% | 365 | Bank | Direct | — |
| 24 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 72 | 49 | 70 | 98 | $1688 | 0.163% | 6,487 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 25 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 71 | 48 | 76 | 89 | $2865 | 0.657% | 2,802 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 26 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 70 | 41 | 69 | 100 | $2009 | 0.369% | 7,686 | Independent Mortgage Company | Direct | — |
| 27 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 70 | 71 | 61 | 79 | -$188 (Credit) | 0.254% | 784 | Bank | Direct | — |
| 28 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 69 | 62 | 62 | 84 | -$339 (Credit) | 0.266% | 1,233 | Bank | Direct | — |
| 29 | [MLD MORTGAGE INC.](https://saferate.com/lenders/mld-mortgage) | 69 | 48 | 82 | 79 | $1971 | 0.443% | 526 | Independent Mortgage Company | Direct | — |
| 30 | [PROVIDENT FUNDING ASSOCIATES, L.P.](https://saferate.com/lenders/provident-funding-associates-lp) | 69 | 83 | 55 | 69 | $762 | 0.019% | 338 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 31 | [GMFS LLC](https://saferate.com/lenders/gmfs) | 69 | 53 | 85 | 69 | $1888 | 0.500% | 266 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Gmfs Llc directly or with a mortgage broker. |
| 32 | [A & N MORTGAGE SERVICES, INC.](https://saferate.com/lenders/a-n-mortgage-services) | 68 | 49 | 66 | 90 | $1570 | 0.336% | 1,149 | Independent Mortgage Company | Direct | — |
| 33 | [Peoples National Bank , N.A.](https://saferate.com/lenders/peoples-national-bank) | 68 | 72 | 53 | 78 | $864 | 0.302% | 283 | Bank | Direct | — |
| 34 | [TOWNE MORTGAGE COMPANY](https://saferate.com/lenders/towne-mortgage-mi) | 67 | 40 | 79 | 84 | $1510 | 0.539% | 977 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 35 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 66 | 24 | 85 | 90 | $2737 | 0.680% | 3,156 | Independent Mortgage Company | Direct | — |
| 36 | [Barrington Bank & Trust Company, National Association](https://saferate.com/lenders/barrington-bank-trust-company-national-association) | 66 | 36 | 69 | 93 | $1856 | 0.455% | 2,395 | Bank | Direct | — |
| 37 | [KEY MORTGAGE SERVICES, INC.](https://saferate.com/lenders/key-mortgage-services) | 66 | 45 | 63 | 91 | $1739 | 0.348% | 1,273 | Independent Mortgage Company | Direct | — |
| 38 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 66 | 40 | 77 | 80 | $336 | 0.307% | 963 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 39 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 66 | 55 | 67 | 77 | $2040 | 0.663% | 815 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 40 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 66 | 63 | 59 | 76 | $1823 | 0.033% | 781 | Bank | Direct | — |
| 41 | [DELMAR FINANCIAL COMPANY](https://saferate.com/lenders/delmar-financial) | 66 | 45 | 72 | 81 | $1519 | 0.434% | 597 | Independent Mortgage Company | Direct | — |
| 42 | [Morton Community Bank](https://saferate.com/lenders/morton-community-bank) | 66 | 42 | 74 | 82 | $683 | 0.460% | 455 | Bank | Direct | — |
| 43 | [Heartland Bank and Trust Company](https://saferate.com/lenders/heartland-bank-and-trust) | 66 | 67 | 50 | 81 | $573 | 0.471% | 371 | Bank | Direct | — |
| 44 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 66 | 46 | 83 | 69 | $937 | 0.633% | 354 | 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. |
| 45 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 65 | 25 | 83 | 86 | $2378 | 0.587% | 2,081 | Independent Mortgage Company | Direct | — |
| 46 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 65 | 56 | 63 | 76 | $1170 | 0.188% | 781 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 47 | [BMO Bank National Association](https://saferate.com/lenders/bmo-bank-national-association) | 65 | 60 | 57 | 77 | $449 | 0.420% | 582 | Bank | Direct | — |
| 48 | [PROPER RATE, LLC](https://saferate.com/lenders/proper-rate) | 64 | 47 | 54 | 91 | $1656 | 0.268% | 1,337 | Independent Mortgage Company | Direct | — |
| 49 | [COMPASS MORTGAGE, INC.](https://saferate.com/lenders/compass-mortgage) | 64 | 23 | 82 | 87 | $2500 | 0.580% | 904 | Independent Mortgage Company | Direct | — |
| 50 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 64 | 57 | 57 | 79 | $1661 | 0.439% | 810 | 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 Illinois.

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. **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.