# Best Conventional Mortgage Lenders in Decatur, IL

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

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

> **Canonical URL:** https://saferate.com/decatur-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:** 14
- **Total Loans:** 621
- **Median Rate Spread:** 0.46792307692307694%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | CITIZENS EQUITY FIRST | 95 | 94 | 83 | 32 | Credit Union |
| 2 | Busey Bank | 89 | 62 | 81 | 44 | Bank |
| 3 | FLAT BRANCH MORTGAGE, INC. | 83 | 59 | 84 | 45 | Independent Mortgage Company |
| 4 | Heartland Bank and Trust Company | 80 | 69 | 65 | 35 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 72 | Independent Mortgage Company |
| 6 | Prairie State Bank and Trust | 79 | 90 | 79 | 25 | Bank |
| 7 | PNC Bank, National Association | 79 | 75 | 63 | 21 | Bank |
| 8 | INB, National Association | 79 | 70 | 84 | 12 | Bank |
| 9 | FIRST STATE MORTGAGE SERVICES, LLC | 77 | 51 | 85 | 19 | Independent Mortgage Company |
| 10 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 77 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 23 | Bank |
| 12 | Regions Bank | 71 | 39 | 64 | 49 | Bank |
| 13 | NEW AMERICAN FUNDING, LLC | 70 | 26 | 60 | 138 | Independent Mortgage Company |

## 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 Decatur, 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.