Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders17

Total Loans3,777

Median Rate Spread0.51%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$700Fees	0.402%Above	218
2	INB, National AssociationBank	Exceptional	Strong	Strong	Exceptional	Strong	$589Fees	0.255%Above	106
3	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$394Fees	0.268%Above	58
4	Busey BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$835Fees	0.339%Above	47
5	Fortress BankBank	Exceptional	Strong	Strong	Strong	Strong	$504Fees	0.054%Above	51
6	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$907Fees	0.230%Above	16
7	Morton Community BankBank	Strong	Sound	Strong	Strong	Exceptional	$699Fees	0.450%Above	211
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,673Fees	0.139%Above	76
9	Heartland Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	Sound	$245Fees	0.364%Above	31
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,100Fees	0.142%Above	26
11	CIBM BankBank	Strong	Sound	Strong	Strong	Strong	$1,840Fees	0.801%Above	45
12	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,289Fees	0.618%Above	14
13	CBI Bank & TrustBank	Strong	Sound	Sound	Strong	Sound	$1,187Fees	0.366%Above	29
14	Commerce BankBank	Strong	Sound	Strong	Sound	Sound	$430Fees	0.640%Above	20
15	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,335Fees	0.182%Above	26
16	Flanagan State BankBank	Sound	Acceptable	Strong	Sound	Sound	$1,058Fees	0.763%Above	30
17	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$2,240Fees	0.836%Above	14

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.