# Best Conventional Mortgage Lenders in Bloomington, IL

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

Compare the top Conventional mortgage lenders in Bloomington, IL. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/bloomington-il/best-mortgage-lenders/conventional-loans


> **📋 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 | 95 | 94 | 83 | 108 | Credit Union |
| 2 | FIRST STATE MORTGAGE SERVICES, LLC | 88 | 51 | 85 | 580 | Independent Mortgage Company |
| 3 | PNC Bank, National Association | 85 | 75 | 63 | 63 | Bank |
| 4 | Busey Bank | 85 | 62 | 81 | 42 | Bank |
| 5 | ILLINOIS STATE | 83 | 95 | 81 | 73 | Credit Union |
| 6 | Heartland Bank and Trust Company | 80 | 69 | 65 | 35 | Bank |
| 7 | IAA Credit Union | 79 | 87 | 77 | 53 | Credit Union |
| 8 | U.S. Bank National Association | 79 | 75 | 69 | 33 | Bank |
| 9 | INB, National Association | 79 | 70 | 84 | 24 | Bank |
| 10 | FLAT BRANCH MORTGAGE, INC. | 77 | 59 | 84 | 31 | Independent Mortgage Company |
| 11 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 15 | Credit Union |
| 12 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 14 | Independent Mortgage Company |
| 13 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 107 | Independent Mortgage Company |
| 14 | Morton Community Bank | 74 | 42 | 71 | 50 | Bank |
| 15 | POINT MORTGAGE CORPORATION | 74 | 44 | 62 | 48 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 39 | Bank |
| 17 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 14 | Independent Mortgage Company |
| 18 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 13 | Bank |
| 19 | Prairie State Bank and Trust | 73 | 90 | 79 | 11 | Bank |
| 20 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 39 | Independent Mortgage Company |
| 21 | COMPASS MORTGAGE, INC. | 67 | 24 | 75 | 102 | Independent Mortgage Company |
| 22 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 33 | Independent Mortgage Company |
| 23 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 11 | Independent Mortgage Company |
| 24 | Synergy One Lending, Inc. | 63 | 22 | 63 | 16 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 14 | Independent Mortgage Company |
| 26 | Bank of Pontiac | 60 | 45 | 60 | 22 | Bank |
| 27 | THE LOAN STORE, INC. | 60 | 39 | 71 | 10 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 60 | 39 | 65 | 10 | Independent Mortgage Company |
| 29 | Flanagan State Bank | 58 | 23 | 57 | 32 | Bank |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 44 | Independent Mortgage Company |
| 31 | Ixonia Bank | 56 | 19 | 71 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.