Top Mortgage Lenders in Illinois (2025)
In 2025, 1,036 lenders made 231,799 home loans worth $69.3 billion in Illinois, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 17.5% of them. United Wholesale Mortgage made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Illinois, 2025
Ranked by the number of home loans each lender made (originated) in Illinois in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 11,397 | $3.5B | $310,000 | 4.9% | 14.8% |
| 2 | Guaranteed Rate, Inc. Chicago, IL | 10,217 | $3.5B | $347,000 | 4.4% | 7.5% |
| 3 | JPMorgan Chase Bank, NA Columbus, OH | 8,778 | $3.9B | $445,000 | 3.8% | 12.7% |
| 4 | Crosscountry Mortgage, LLC Cleveland, OH | 5,600 | $1.9B | $337,000 | 2.4% | 6.4% |
| 5 | US Bank, N.A. Cincinnati, OH | 4,571 | $1.2B | $252,000 | 2.0% | 45.0% |
| 6 | Huntington National Bank Columbus, OH | 4,352 | $1.4B | $318,000 | 1.9% | 36.7% |
| 7 | loanDepot.com LLC Irvine, CA | 4,241 | $949.9M | $224,000 | 1.8% | 22.2% |
| 8 | Fairway Independent Mort Corp Madison, WI | 4,215 | $1.1B | $263,000 | 1.8% | 7.9% |
| 9 | Fifth Third Bank, National Association Cincinnati, OH | 4,111 | $1.0B | $248,000 | 1.8% | 39.3% |
| 10 | Greenstate Credit Union North Liberty, IA | 3,954 | $902.6M | $228,000 | 1.7% | 8.7% |
| 11 | BMO Harris Bank NA Chicago, IL | 3,906 | $833.4M | $213,000 | 1.7% | 39.4% |
| 12 | PNC Bank N.A. Pittsburgh, PA | 3,711 | $736.0M | $198,000 | 1.6% | 32.2% |
| 13 | New American Funding, Llc. Tustin, CA | 3,581 | $835.1M | $233,000 | 1.5% | 13.6% |
| 14 | Mortgage Research Center Columbia, MO | 2,965 | $835.9M | $282,000 | 1.3% | 23.9% |
| 15 | Bank of America NA Westlake Village, CA | 2,889 | $884.3M | $306,000 | 1.2% | 43.8% |
| 16 | Guild Mortgage Company San Diego, CA | 2,870 | $709.4M | $247,000 | 1.2% | 6.8% |
| 17 | Citizens Equity First Credit U Peoria, IL | 2,769 | $363.7M | $131,000 | 1.2% | 13.8% |
| 18 | Barrington Bank & Trust Company, N.A. Barrington, IL | 2,719 | $918.3M | $338,000 | 1.2% | 7.2% |
| 19 | PennyMac Loan Services LLC Westlake Village, CA | 2,485 | $681.1M | $274,000 | 1.1% | 20.1% |
| 20 | American Pacific Mortgage Corporation Roseville, CA | 2,402 | $752.0M | $313,000 | 1.0% | 8.4% |
| 21 | Old National Bank Evansville, IN | 2,207 | $666.0M | $302,000 | 1.0% | 31.2% |
| 22 | First American Bank Elk Grove Village, IL | 2,072 | $341.9M | $165,000 | 0.9% | 31.8% |
| 23 | Consumers Credit Union Gurnee, IL | 1,999 | $297.2M | $149,000 | 0.9% | 9.2% |
| 24 | Nationstar Mortgage Coppell, TX | 1,982 | $316.0M | $159,000 | 0.9% | 18.0% |
| 25 | Newrez LLC Fort Washington, PA | 1,857 | $458.8M | $247,000 | 0.8% | 41.0% |
Top Home Purchase Lenders in Illinois
909 lenders made 126,107 home purchase loans worth $40.7 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Guaranteed Rate, Inc. Chicago, IL | 7,800 | 6.2% |
| 2 | United Wholesale Mortgage Plymouth, MI | 6,219 | 4.9% |
| 3 | JPMorgan Chase Bank, NA Columbus, OH | 4,921 | 3.9% |
| 4 | Crosscountry Mortgage, LLC Cleveland, OH | 3,876 | 3.1% |
| 5 | Fairway Independent Mort Corp Madison, WI | 3,580 | 2.8% |
| 6 | Greenstate Credit Union North Liberty, IA | 2,780 | 2.2% |
| 7 | New American Funding, Llc. Tustin, CA | 2,722 | 2.2% |
| 8 | loanDepot.com LLC Irvine, CA | 2,529 | 2.0% |
| 9 | Mortgage Research Center Columbia, MO | 2,372 | 1.9% |
| 10 | Guild Mortgage Company San Diego, CA | 2,234 | 1.8% |
Top Refinance Lenders in Illinois
683 lenders made 37,122 refinance loans worth $16.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 3,286 | 8.9% |
| 2 | JPMorgan Chase Bank, NA Columbus, OH | 1,784 | 4.8% |
| 3 | Guaranteed Rate, Inc. Chicago, IL | 1,219 | 3.3% |
| 4 | Fifth Third Bank, National Association Cincinnati, OH | 1,217 | 3.3% |
| 5 | PNC Bank N.A. Pittsburgh, PA | 1,055 | 2.8% |
| 6 | Crosscountry Mortgage, LLC Cleveland, OH | 956 | 2.6% |
| 7 | PennyMac Loan Services LLC Westlake Village, CA | 912 | 2.5% |
| 8 | Freedom Mortgage Corporation Boca Raton, FL | 855 | 2.3% |
| 9 | Huntington National Bank Columbus, OH | 574 | 1.5% |
| 10 | First American Bank Elk Grove Village, IL | 565 | 1.5% |
Top Cash-Out Refinance Lenders in Illinois
566 lenders made 30,481 cash-out refinance loans worth $7.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,892 | 6.2% |
| 2 | BMO Harris Bank NA Chicago, IL | 1,352 | 4.4% |
| 3 | JPMorgan Chase Bank, NA Columbus, OH | 1,174 | 3.9% |
| 4 | Consumers Credit Union Gurnee, IL | 1,071 | 3.5% |
| 5 | Newrez LLC Fort Washington, PA | 867 | 2.8% |
| 6 | Amerisave Mortgage Company Sandy Springs, GA | 844 | 2.8% |
| 7 | loanDepot.com LLC Irvine, CA | 724 | 2.4% |
| 8 | Huntington National Bank Columbus, OH | 659 | 2.2% |
| 9 | US Bank, N.A. Cincinnati, OH | 636 | 2.1% |
| 10 | Freedom Mortgage Corporation Boca Raton, FL | 597 | 2.0% |
Top FHA Lenders in Illinois
337 lenders made 23,653 FHA loans worth $6.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 2,047 | 8.7% |
| 2 | loanDepot.com LLC Irvine, CA | 1,282 | 5.4% |
| 3 | Guaranteed Rate, Inc. Chicago, IL | 1,242 | 5.3% |
| 4 | Crosscountry Mortgage, LLC Cleveland, OH | 1,041 | 4.4% |
| 5 | New American Funding, Llc. Tustin, CA | 1,009 | 4.3% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 878 | 3.7% |
| 7 | Fairway Independent Mort Corp Madison, WI | 767 | 3.2% |
| 8 | Freedom Mortgage Corporation Boca Raton, FL | 745 | 3.1% |
| 9 | Guild Mortgage Company San Diego, CA | 576 | 2.4% |
| 10 | American Pacific Mortgage Corporation Roseville, CA | 465 | 2.0% |
Top VA Lenders in Illinois
260 lenders made 11,666 VA loans worth $3.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 2,656 | 22.8% |
| 2 | United Wholesale Mortgage Plymouth, MI | 1,232 | 10.6% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 648 | 5.6% |
| 4 | Guaranteed Rate, Inc. Chicago, IL | 473 | 4.1% |
| 5 | Navy Federal Credit Union Vienna, VA | 415 | 3.6% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 312 | 2.7% |
| 7 | Newrez LLC Fort Washington, PA | 264 | 2.3% |
| 8 | Crosscountry Mortgage, LLC Cleveland, OH | 249 | 2.1% |
| 9 | USAA Federal Savings Bank San Antonio, TX | 223 | 1.9% |
| 10 | New American Funding, Llc. Tustin, CA | 187 | 1.6% |
Top USDA Lenders in Illinois
104 lenders made 972 USDA loans worth $129.4 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. Columbia, MO | 99 | 10.2% |
| 2 | Firsttrust Home Loans Sheridan, AR | 60 | 6.2% |
| 3 | Community Banc Mortgage Corp Chatham, IL | 53 | 5.5% |
| 4 | New American Funding, Llc. Tustin, CA | 46 | 4.7% |
| 5 | Equity Prime Mortgage LLC Atlanta, GA | 43 | 4.4% |
| 6 | Petefish, Skiles, & Company Bank Virginia, IL | 42 | 4.3% |
| 7 | Guaranteed Rate, Inc. Chicago, IL | 37 | 3.8% |
| 8 | United Community Bank Chatham, IL | 35 | 3.6% |
| 9 | First State Mortgage Services Bloomington, IL | 33 | 3.4% |
| 10 | Guild Mortgage Company San Diego, CA | 32 | 3.3% |
Get the lender lists
The Illinois mortgage lender list has the 983 lenders based in Illinois, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($229 for 2025, $458 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Illinois lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Illinois.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Illinois. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Illinois
Illinois mortgage data by county and metro area · mortgage lenders by city in Illinois
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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