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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 Rockford
Updated February 5, 2026
Market Overview
55
Total Lenders
3,273
Total Loans
0.57%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $693 | +0.096% | 503 | |
2 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Exceptional | $1,177 | +0.204% | 295 | |
3 | FIRST NORTHERN Credit Union | Exceptional | Strong | Strong | Exceptional | $846 | +0.331% | 102 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Sound | $677 | +0.133% | 37 | |
5 | Stillman BancCorp N.A. | Strong | Strong | Sound | Exceptional | $631 | +0.256% | 94 | |
6 | NORTHWEST BANK OF ROCKFORD | Strong | Strong | Sound | Exceptional | $1,290 | +0.279% | 93 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $742 | +0.518% | 88 | |
8 | First Community CU of Beloit | Strong | Exceptional | Acceptable | Strong | $861 | +0.035% | 32 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,177 | +0.656% | 114 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$808 | +0.588% | 32 | |
11 | The Huntington National Bank | Strong | Strong | Strong | Sound | $400 | +0.277% | 23 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,757 | +0.609% | 297 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,243 | +0.795% | 190 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,928 | +0.302% | 106 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,005 | +0.875% | 49 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,005 | +0.810% | 95 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,287 | +0.584% | 43 | |
18 | The First National Bank and Trust Company | Strong | Sound | Sound | Strong | $1,003 | +0.433% | 36 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,639 | +1.319% | 30 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,953 | +1.258% | 83 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,856 | +0.840% | 83 | |
22 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $1,166 | +0.490% | 76 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,217 | +0.509% | 50 | |
24 | BMO Bank National Association | Strong | Sound | Sound | Sound | $318 | +0.688% | 24 | |
25 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $2,094 | +0.754% | 129 | |
26 | Midland States Bank | Sound | Acceptable | Sound | Strong | $1,295 | +0.782% | 55 | |
27 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,793 | +0.196% | 24 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $1,566 | +0.554% | 20 | |
29 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $1,747 | +0.698% | 26 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $2,696 | +0.739% | 24 |
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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