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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $29 | -0.024% | 108 | |
2 | ILLINOIS STATE | Exceptional | Exceptional | Sound | Exceptional | Strong | $516 | -0.318% | 73 | |
3 | FIRST STATE MORTGAGE SERVICES, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,732 | +0.332% | 580 | |
4 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$498 | +0.052% | 63 | |
5 | IAA Credit Union | Exceptional | Exceptional | Sound | Strong | Strong | $653 | -0.037% | 53 | |
6 | Busey Bank | Exceptional | Strong | Strong | Exceptional | Strong | $847 | +0.240% | 42 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | -$8 | -0.508% | 15 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | -$30 | +0.063% | 14 | |
9 | Heartland Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $372 | +0.306% | 35 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $522 | +0.249% | 33 | |
11 | INB, National Association | Exceptional | Strong | Strong | Exceptional | Sound | $700 | +0.234% | 24 | |
12 | Prairie State Bank and Trust | Exceptional | Exceptional | Sound | Strong | Sound | $498 | +0.043% | 11 | |
13 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,107 | +0.371% | 31 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,019 | +0.077% | 13 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,397 | +0.447% | 107 | |
16 | Morton Community Bank | Strong | Sound | Strong | Strong | Strong | $675 | +0.218% | 50 | |
17 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $1,654 | +0.233% | 48 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,846 | +0.045% | 39 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,928 | +0.442% | 14 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,758 | +0.251% | 39 | |
21 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,751 | +0.508% | 102 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,766 | +0.565% | 33 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,579 | +0.147% | 11 | |
24 | Bank of Pontiac | Strong | Sound | Sound | Sound | Sound | $656 | +0.424% | 22 | |
25 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $3,113 | +0.838% | 16 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,375 | +0.723% | 14 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,373 | +0.421% | 10 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,029 | +0.184% | 10 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,948 | +0.843% | 44 | |
30 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $3,834 | +0.737% | 37 | |
31 | Flanagan State Bank | Sound | Acceptable | Strong | Sound | Sound | $723 | +0.721% | 32 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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