# Best Mortgage Companie Lenders in Illinois

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

Compare the top mortgage companies offering mortgages in Illinois. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | [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. |
| 2 | [FLAT BRANCH MORTGAGE, INC.](https://saferate.com/lenders/flat-branch-mortgage) | 75 | 50 | 89 | 87 | $1201 | 0.447% | 1,599 | Independent Mortgage Company | Direct | — |
| 3 | [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 | — |
| 4 | [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. |
| 5 | [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. |
| 6 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 70 | 41 | 69 | 100 | $2009 | 0.369% | 7,686 | Independent Mortgage Company | Direct | — |
| 7 | [MLD MORTGAGE INC.](https://saferate.com/lenders/mld-mortgage) | 69 | 48 | 82 | 79 | $1971 | 0.443% | 526 | Independent Mortgage Company | Direct | — |
| 8 | [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. |
| 9 | [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. |
| 10 | [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 | — |
| 11 | [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. |
| 12 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 66 | 24 | 85 | 90 | $2737 | 0.680% | 3,156 | Independent Mortgage Company | Direct | — |
| 13 | [KEY MORTGAGE SERVICES, INC.](https://saferate.com/lenders/key-mortgage-services) | 66 | 45 | 63 | 91 | $1739 | 0.348% | 1,273 | Independent Mortgage Company | Direct | — |
| 14 | [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. |
| 15 | [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. |
| 16 | [DELMAR FINANCIAL COMPANY](https://saferate.com/lenders/delmar-financial) | 66 | 45 | 72 | 81 | $1519 | 0.434% | 597 | Independent Mortgage Company | Direct | — |
| 17 | [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. |
| 18 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 65 | 25 | 83 | 86 | $2378 | 0.587% | 2,081 | Independent Mortgage Company | Direct | — |
| 19 | [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. |
| 20 | [PROPER RATE, LLC](https://saferate.com/lenders/proper-rate) | 64 | 47 | 54 | 91 | $1656 | 0.268% | 1,337 | Independent Mortgage Company | Direct | — |
| 21 | [COMPASS MORTGAGE, INC.](https://saferate.com/lenders/compass-mortgage) | 64 | 23 | 82 | 87 | $2500 | 0.580% | 904 | Independent Mortgage Company | Direct | — |
| 22 | [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 | — |
| 23 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 63 | 20 | 76 | 93 | $2820 | 0.594% | 4,482 | Independent Mortgage Company | Direct | — |
| 24 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 63 | 34 | 70 | 86 | $1764 | 0.679% | 2,244 | Independent Mortgage Company | Direct | — |
| 25 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 63 | 43 | 65 | 81 | $2346 | 0.295% | 896 | Independent Mortgage Company | Direct | — |
| 26 | [COMMUNITY BANC MORTGAGE CORPORATION](https://saferate.com/lenders/community-banc-mortgage) | 63 | 66 | 46 | 77 | $1042 | 0.368% | 261 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 27 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 62 | 14 | 84 | 88 | $3206 | 0.684% | 2,009 | Independent Mortgage Company | Direct | — |
| 28 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 62 | 22 | 83 | 80 | $1835 | 0.590% | 980 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 29 | [M/I FINANCIAL, LLC](https://saferate.com/lenders/mi-financial) | 62 | 38 | 75 | 75 | $3266 | 0.139% | 489 | Independent Mortgage Company | Direct | — |
| 30 | [RESICENTRAL, LLC](https://saferate.com/lenders/resicentral) | 62 | 57 | 53 | 76 | $298 | 0.525% | 476 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 31 | [POINT MORTGAGE CORPORATION](https://saferate.com/lenders/point-mortgage) | 62 | 41 | 67 | 79 | $1541 | 0.344% | 410 | Independent Mortgage Company | Direct | — |
| 32 | [LOWER, LLC](https://saferate.com/lenders/lower) | 61 | 30 | 71 | 81 | $1510 | 0.608% | 1,031 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 33 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 61 | 37 | 77 | 70 | $2281 | 0.479% | 391 | Independent Mortgage Company | Direct | — |
| 34 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 61 | 26 | 86 | 71 | $1331 | 0.369% | 337 | Independent Mortgage Company | Direct | — |
| 35 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 61 | 32 | 84 | 66 | $2088 | 0.479% | 321 | Independent Mortgage Company | Direct | — |
| 36 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 60 | 26 | 83 | 72 | $2004 | 0.555% | 477 | Independent Mortgage Company | Direct | — |
| 37 | [UNITED HOME LOANS, INC.](https://saferate.com/lenders/united-home-loans) | 60 | 36 | 63 | 81 | $1925 | 0.399% | 435 | Independent Mortgage Company | Direct | — |
| 38 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 60 | 33 | 81 | 66 | $1532 | 0.398% | 315 | Independent Mortgage Company | Direct | — |
| 39 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 59 | 36 | 69 | 72 | $1553 | 0.469% | 418 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 40 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 58 | 35 | 59 | 80 | $2239 | 0.629% | 1,112 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 41 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 58 | 33 | 60 | 80 | $1993 | 0.486% | 838 | Independent Mortgage Company | Direct | — |
| 42 | [DAS Acquisition Company, LLC](https://saferate.com/lenders/das-acquisition-company) | 58 | 26 | 80 | 69 | $1615 | 0.649% | 300 | Independent Mortgage Company | Direct | — |
| 43 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 57 | 22 | 60 | 88 | $1989 | 0.723% | 2,381 | Independent Mortgage Company | Direct | — |
| 44 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 57 | 26 | 71 | 76 | $3530 | 0.493% | 693 | Independent Mortgage Company | Direct | — |
| 45 | [LEADERONE FINANCIAL CORPORATION](https://saferate.com/lenders/leaderone-financial) | 56 | 21 | 73 | 76 | $2362 | 0.706% | 447 | Independent Mortgage Company | Direct | — |
| 46 | [GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION](https://saferate.com/lenders/gold-star-mortgage-financial-group) | 56 | 28 | 68 | 73 | $1800 | 0.430% | 356 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Gold Star Mortgage Financial Group, Corporation directly or with a mortgage broker. |
| 47 | [AMERICAN PORTFOLIO MORTGAGE CORPORATION](https://saferate.com/lenders/american-portfolio-mortgage) | 56 | 25 | 69 | 74 | $2424 | 0.627% | 346 | Independent Mortgage Company | Direct | — |
| 48 | [AMERIHOME MORTGAGE COMPANY, LLC](https://saferate.com/lenders/amerihome-mortgage-company) | 56 | 42 | 55 | 71 | $1902 | 0.602% | 319 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Amerihome Mortgage Company directly or with a mortgage broker. |
| 49 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 55 | 28 | 71 | 67 | $2553 | 0.858% | 256 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 50 | [ENDEAVOR CAPITAL, LLC.](https://saferate.com/lenders/endeavor-capital) | 53 | 26 | 59 | 74 | $2034 | 0.518% | 331 | 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.