# Best Mortgage Lenders in Bloomington, IL

**As of:** 2026-05-19

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

> **Canonical URL:** https://saferate.com/bloomington-il/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:** 33
- **Total Loans:** 1,768
- **Median Rate Spread:** 0.31266666666666665%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | CITIZENS EQUITY FIRST | 93 | 93 | 82 | 108 | Credit Union |
| 2 | Busey Bank | 86 | 63 | 84 | 42 | Bank |
| 3 | FIRST STATE MORTGAGE SERVICES, LLC | 84 | 52 | 84 | 580 | Independent Mortgage Company |
| 4 | PNC Bank, National Association | 80 | 71 | 61 | 63 | Bank |
| 5 | ILLINOIS STATE | 78 | 95 | 55 | 73 | Credit Union |
| 6 | IAA Credit Union | 78 | 86 | 43 | 53 | Credit Union |
| 7 | INB, National Association | 78 | 72 | 83 | 24 | Bank |
| 8 | Morton Community Bank | 73 | 42 | 74 | 50 | Bank |
| 9 | POINT MORTGAGE CORPORATION | 73 | 41 | 67 | 48 | Independent Mortgage Company |
| 10 | Heartland Bank and Trust Company | 73 | 67 | 50 | 35 | Bank |
| 11 | U.S. Bank National Association | 73 | 75 | 71 | 33 | Bank |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 71 | 41 | 93 | 39 | Independent Mortgage Company |
| 13 | FLAT BRANCH MORTGAGE, INC. | 71 | 50 | 89 | 31 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 107 | Independent Mortgage Company |
| 15 | COMPASS MORTGAGE, INC. | 68 | 23 | 82 | 102 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 39 | Bank |
| 17 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 33 | Independent Mortgage Company |
| 18 | Bank of Pontiac | 60 | 45 | 56 | 22 | Bank |
| 19 | Mortgage Research Center, LLC | 58 | 34 | 70 | 35 | Independent Mortgage Company |
| 20 | Flanagan State Bank | 52 | 24 | 60 | 32 | Bank |
| 21 | AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 14 | 84 | 44 | Independent Mortgage Company |
| 22 | Ixonia Bank | 46 | 17 | 78 | 37 | Bank |

## 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 Bloomington, IL.

Our composite SafeRate Score is derived using an equal, geometric weighting 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.