Safe Rate Rankings

Best Mortgage Company 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 Loans1,988

Median Rate Spread0.63%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,295Fees	0.424%Above	592
2	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,548Fees	0.509%Above	236
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,482Fees	0.121%Above	26
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,096Fees	0.634%Above	244
5	FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,335Fees	0.371%Above	108
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,028Fees	0.608%Above	215
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,761Fees	0.559%Above	21
8	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,290Fees	0.773%Above	110
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,483Fees	1.032%Above	20
10	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,538Fees	0.727%Above	104
11	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,877Fees	0.892%Above	50
12	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,479Fees	0.022%Above	26
13	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,596Fees	0.782%Above	58
14	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$1,947Fees	0.608%Above	38

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.