Safe Rate Rankings

Best Bank 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 Lenders14

Total Loans1,018

Median Rate Spread0.40%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	INB, National AssociationBank	Exceptional	Strong	Exceptional	Strong	$589Fees	0.255%Above	106
2	Busey BankBank	Exceptional	Strong	Exceptional	Strong	$835Fees	0.339%Above	47
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$700Fees	0.402%Above	218
4	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$394Fees	0.268%Above	58
5	Fortress BankBank	Strong	Strong	Strong	Strong	$504Fees	0.054%Above	51
6	Morton Community BankBank	Strong	Sound	Strong	Exceptional	$699Fees	0.450%Above	211
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,673Fees	0.139%Above	76
8	Heartland Bank and Trust CompanyBank	Strong	Strong	Sound	Sound	$245Fees	0.364%Above	31
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,100Fees	0.142%Above	26
10	CIBM BankBank	Strong	Sound	Sound	Strong	$1,840Fees	0.801%Above	45
11	CBI Bank & TrustBank	Strong	Sound	Strong	Sound	$1,187Fees	0.366%Above	29
12	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,335Fees	0.182%Above	26
13	Commerce BankBank	Strong	Sound	Sound	Sound	$430Fees	0.640%Above	20
14	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.