Safe Rate Rankings

Best All Lender Mortgage Lenders in Kankakee

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.
Total Lenders22
Total Loans673
Median Rate Spread0.57%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
$2,069Fees
0.338%Above
30
2
PNC Bank, National AssociationBank
Strong
Strong
Strong
Sound
$85Fees
0.587%Above
21
3
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
$3,528Fees
0.705%Above
104
4
PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
$1,601Fees
0.628%Above
51
5
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Sound
Strong
Strong
$2,138Fees
0.729%Above
42
6
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Strong
$2,533Fees
0.262%Above
30
7
Midland States BankBank
Strong
Acceptable
Sound
Exceptional
$967Fees
0.576%Above
62
8
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,015Fees
0.812%Above
42
9
Ixonia BankBank
Sound
Mediocre
Strong
Exceptional
$3,698Fees
0.824%Above
81
10
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Exceptional
Strong
$3,503Fees
0.814%Above
32
11
Flanagan State BankBank
Sound
Acceptable
Sound
Strong
$3,009Fees
0.427%Above
24
12
Mortgage Research Center, LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Sound
$1,770Fees
0.637%Above
21

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.