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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Peoria
Updated February 5, 2026
Market Overview
45
Total Lenders
3,777
Total Loans
0.51%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Exceptional | -$30 | +0.065% | 758 | |
2 | INB, National Association | Exceptional | Strong | Exceptional | Strong | $589 | +0.255% | 106 | |
3 | Busey Bank | Exceptional | Strong | Exceptional | Strong | $835 | +0.339% | 47 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,295 | +0.424% | 592 | |
5 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Exceptional | $1,548 | +0.509% | 236 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $700 | +0.402% | 218 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $394 | +0.268% | 58 | |
8 | Fortress Bank | Strong | Strong | Strong | Strong | $504 | +0.054% | 51 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,482 | +0.121% | 26 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,096 | +0.634% | 244 | |
11 | Morton Community Bank | Strong | Sound | Strong | Exceptional | $699 | +0.450% | 211 | |
12 | FIRST STATE MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Strong | $1,335 | +0.371% | 108 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,673 | +0.139% | 76 | |
14 | Heartland Bank and Trust Company | Strong | Strong | Sound | Sound | $245 | +0.364% | 31 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,100 | +0.142% | 26 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,028 | +0.608% | 215 | |
17 | CIBM Bank | Strong | Sound | Sound | Strong | $1,840 | +0.801% | 45 | |
18 | CBI Bank & Trust | Strong | Sound | Strong | Sound | $1,187 | +0.366% | 29 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,761 | +0.559% | 21 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,290 | +0.773% | 110 | |
21 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,335 | +0.182% | 26 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,483 | +1.032% | 20 | |
23 | Commerce Bank | Strong | Sound | Sound | Sound | $430 | +0.640% | 20 | |
24 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,538 | +0.727% | 104 | |
25 | LEADERONE FINANCIAL CORPORATION | Sound | Acceptable | Strong | Sound | $2,877 | +0.892% | 50 | |
26 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,479 | +0.022% | 26 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,596 | +0.782% | 58 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $1,947 | +0.608% | 38 | |
29 | Flanagan State Bank | Sound | Acceptable | Sound | Sound | $1,058 | +0.763% | 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)
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.
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