Safe Rate Rankings

Best Bank Mortgage Lenders in Rockford

Updated May 31, 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.
Total Lenders55
Total Loans3,273
Median Rate Spread0.57%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
First Mid Bank & Trust, National AssociationBank
Exceptional
Strong
Strong
Exceptional
$1,177Fees
0.204%Above
295
2
Associated Bank, National AssociationBank
Exceptional
Exceptional
Strong
Sound
$677Fees
0.133%Above
37
3
Stillman BancCorp N.A.Bank
Strong
Strong
Sound
Exceptional
$631Fees
0.256%Above
94
4
NORTHWEST BANK OF ROCKFORDBank
Strong
Strong
Sound
Exceptional
$1,290Fees
0.279%Above
93
5
U.S. Bank National AssociationBank
Strong
Strong
Strong
Strong
$742Fees
0.518%Above
88
6
PNC Bank, National AssociationBank
Strong
Strong
Strong
Sound
$808Credit
0.588%Above
32
7
The Huntington National BankBank
Strong
Strong
Strong
Sound
$400Fees
0.277%Above
23
8
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Strong
$1,928Fees
0.302%Above
106
9
The First National Bank and Trust CompanyBank
Strong
Sound
Sound
Strong
$1,003Fees
0.433%Above
36
10
Barrington Bank & Trust Company, National AssociationBank
Strong
Acceptable
Strong
Strong
$1,166Fees
0.490%Above
76
11
BMO Bank National AssociationBank
Strong
Sound
Sound
Sound
$318Fees
0.688%Above
24
12
Midland States BankBank
Sound
Acceptable
Sound
Strong
$1,295Fees
0.782%Above
55

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.