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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | -$30 | +0.065% | 758 | |
2 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,295 | +0.424% | 592 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $700 | +0.402% | 218 | |
4 | INB, National Association | Exceptional | Strong | Strong | Exceptional | Strong | $589 | +0.255% | 106 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $394 | +0.268% | 58 | |
6 | Busey Bank | Exceptional | Strong | Strong | Exceptional | Strong | $835 | +0.339% | 47 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,482 | +0.121% | 26 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $380 | -0.442% | 13 | |
9 | FIRST STATE MORTGAGE SERVICES, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,335 | +0.371% | 108 | |
10 | Fortress Bank | Exceptional | Strong | Strong | Strong | Strong | $504 | +0.054% | 51 | |
11 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $907 | +0.230% | 16 | |
12 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Exceptional | $1,548 | +0.509% | 236 | |
13 | Morton Community Bank | Strong | Sound | Strong | Strong | Exceptional | $699 | +0.450% | 211 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,673 | +0.139% | 76 | |
15 | Heartland Bank and Trust Company | Strong | Strong | Strong | Strong | Sound | $245 | +0.364% | 31 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,100 | +0.142% | 26 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,096 | +0.634% | 244 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,028 | +0.608% | 215 | |
19 | CIBM Bank | Strong | Sound | Strong | Strong | Strong | $1,840 | +0.801% | 45 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,761 | +0.559% | 21 | |
21 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,289 | +0.618% | 14 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,553 | +0.469% | 11 | |
23 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Sound | $1,391 | +0.163% | 10 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,538 | +0.727% | 104 | |
25 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,877 | +0.892% | 50 | |
26 | CBI Bank & Trust | Strong | Sound | Sound | Strong | Sound | $1,187 | +0.366% | 29 | |
27 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,479 | +0.022% | 26 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,483 | +1.032% | 20 | |
29 | Commerce Bank | Strong | Sound | Strong | Sound | Sound | $430 | +0.640% | 20 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,627 | +0.587% | 14 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,870 | +0.166% | 12 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,290 | +0.773% | 110 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,596 | +0.782% | 58 | |
34 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,335 | +0.182% | 26 | |
35 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,790 | +0.853% | 10 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,917 | +0.684% | 10 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $1,947 | +0.608% | 38 | |
38 | Flanagan State Bank | Sound | Acceptable | Strong | Sound | Sound | $1,058 | +0.763% | 30 | |
39 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,240 | +0.836% | 14 | |
40 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Acceptable | $2,165 | +0.914% | 10 | |
41 | COMPEER FINANCIAL, FLCA | Sound | Mediocre | Strong | Sound | Sound | $2,661 | +0.823% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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