Safe Rate Rankings

Best All Lender Mortgage Lenders in Bloomington

Updated May 19, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders33

Total Loans1,768

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CITIZENS EQUITY FIRSTCredit Union	Exceptional	Exceptional	Exceptional	Strong	$29Fees	0.024%Below	108
2	ILLINOIS STATECredit Union	Exceptional	Exceptional	Sound	Strong	$516Fees	0.318%Below	73
3	IAA Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$653Fees	0.037%Below	53
4	Busey BankBank	Exceptional	Strong	Exceptional	Strong	$847Fees	0.240%Above	42
5	FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,732Fees	0.332%Above	580
6	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$498Credit	0.052%Above	63
7	INB, National AssociationBank	Strong	Strong	Exceptional	Sound	$700Fees	0.234%Above	24
8	Heartland Bank and Trust CompanyBank	Strong	Strong	Sound	Strong	$372Fees	0.306%Above	35
9	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$522Fees	0.249%Above	33
10	Morton Community BankBank	Strong	Sound	Strong	Strong	$675Fees	0.218%Above	50
11	POINT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,654Fees	0.233%Above	48
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,758Fees	0.251%Above	39
13	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,107Fees	0.371%Above	31
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,397Fees	0.447%Above	107
15	COMPASS MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,751Fees	0.508%Above	102
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,846Fees	0.045%Above	39
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,766Fees	0.565%Above	33
18	Bank of PontiacBank	Strong	Sound	Sound	Sound	$656Fees	0.424%Above	22
19	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,219Fees	0.493%Above	35
20	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$2,948Fees	0.843%Above	44
21	Flanagan State BankBank	Sound	Acceptable	Sound	Sound	$723Fees	0.721%Above	32
22	Ixonia BankBank	Sound	Mediocre	Strong	Sound	$3,834Fees	0.737%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.