Safe Rate Rankings

Best Mortgage Lenders in Peoria

Updated February 5, 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 Lenders45

Total Loans3,777

Median Rate Spread0.51%

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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	Exceptional	$30Credit	0.065%Above	758
2	INB, National AssociationBank	Exceptional	Strong	Exceptional	Strong	$589Fees	0.255%Above	106
3	Busey BankBank	Exceptional	Strong	Exceptional	Strong	$835Fees	0.339%Above	47
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,295Fees	0.424%Above	592
5	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,548Fees	0.509%Above	236
6	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$700Fees	0.402%Above	218
7	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$394Fees	0.268%Above	58
8	Fortress BankBank	Strong	Strong	Strong	Strong	$504Fees	0.054%Above	51
9	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,482Fees	0.121%Above	26
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,096Fees	0.634%Above	244
11	Morton Community BankBank	Strong	Sound	Strong	Exceptional	$699Fees	0.450%Above	211
12	FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,335Fees	0.371%Above	108
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,673Fees	0.139%Above	76
14	Heartland Bank and Trust CompanyBank	Strong	Strong	Sound	Sound	$245Fees	0.364%Above	31
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,100Fees	0.142%Above	26
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,028Fees	0.608%Above	215
17	CIBM BankBank	Strong	Sound	Sound	Strong	$1,840Fees	0.801%Above	45
18	CBI Bank & TrustBank	Strong	Sound	Strong	Sound	$1,187Fees	0.366%Above	29
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,761Fees	0.559%Above	21
20	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,290Fees	0.773%Above	110
21	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,335Fees	0.182%Above	26
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,483Fees	1.032%Above	20
23	Commerce BankBank	Strong	Sound	Sound	Sound	$430Fees	0.640%Above	20
24	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,538Fees	0.727%Above	104
25	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,877Fees	0.892%Above	50
26	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,479Fees	0.022%Above	26
27	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,596Fees	0.782%Above	58
28	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$1,947Fees	0.608%Above	38
29	Flanagan State BankBank	Sound	Acceptable	Sound	Sound	$1,058Fees	0.763%Above	30

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.