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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Bloomington
Updated February 5, 2026
Market Overview
33
Total Lenders
1,768
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Strong | $29 | -0.024% | 108 | |
2 | ILLINOIS STATE | Exceptional | Exceptional | Sound | Strong | $516 | -0.318% | 73 | |
3 | IAA Credit Union | Exceptional | Exceptional | Sound | Strong | $653 | -0.037% | 53 | |
4 | Busey Bank | Exceptional | Strong | Exceptional | Strong | $847 | +0.240% | 42 | |
5 | FIRST STATE MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Exceptional | $1,732 | +0.332% | 580 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$498 | +0.052% | 63 | |
7 | INB, National Association | Strong | Strong | Exceptional | Sound | $700 | +0.234% | 24 | |
8 | Heartland Bank and Trust Company | Strong | Strong | Sound | Strong | $372 | +0.306% | 35 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $522 | +0.249% | 33 | |
10 | Morton Community Bank | Strong | Sound | Strong | Strong | $675 | +0.218% | 50 | |
11 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,654 | +0.233% | 48 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $1,758 | +0.251% | 39 | |
13 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $1,107 | +0.371% | 31 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,397 | +0.447% | 107 | |
15 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,751 | +0.508% | 102 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,846 | +0.045% | 39 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $1,766 | +0.565% | 33 | |
18 | Bank of Pontiac | Strong | Sound | Sound | Sound | $656 | +0.424% | 22 | |
19 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $2,219 | +0.493% | 35 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $2,948 | +0.843% | 44 | |
21 | Flanagan State Bank | Sound | Acceptable | Sound | Sound | $723 | +0.721% | 32 | |
22 | Ixonia Bank | Sound | Mediocre | Strong | Sound | $3,834 | +0.737% | 37 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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