Safe Rate Rankings

Best Conventional Mortgage Lenders in Rockford

Updated May 19, 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 Lenders55

Total Loans3,273

Median Rate Spread0.57%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$693Fees	0.096%Above	503
2	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$696Fees	0.338%Above	14
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$677Fees	0.133%Above	37
4	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$368Credit	0.027%Above	11
5	First Mid Bank & Trust, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,177Fees	0.204%Above	295
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$742Fees	0.518%Above	88
7	First Community CU of BeloitCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$861Fees	0.035%Above	32
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$261Fees	0.371%Below	19
9	ILLINOIS STATECredit Union	Exceptional	Exceptional	Sound	Exceptional	Sound	$364Fees	0.199%Below	11
10	FIRST NORTHERN Credit UnionCredit Union	Exceptional	Strong	Sound	Strong	Exceptional	$846Fees	0.331%Above	102
11	Stillman BancCorp N.A.Bank	Exceptional	Strong	Sound	Strong	Exceptional	$631Fees	0.256%Above	94
12	NORTHWEST BANK OF ROCKFORDBank	Exceptional	Strong	Sound	Strong	Exceptional	$1,290Fees	0.279%Above	93
13	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$808Credit	0.588%Above	32
14	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$400Fees	0.277%Above	23
15	First National Bank of OmahaBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,411Fees	0.510%Above	12
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,757Fees	0.609%Above	297
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,928Fees	0.302%Above	106
18	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,166Fees	0.490%Above	76
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,005Fees	0.875%Above	49
20	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,418Fees	0.379%Above	14
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,243Fees	0.795%Above	190
22	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,177Fees	0.656%Above	114
23	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,793Fees	0.196%Above	24
24	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$318Fees	0.688%Above	24
25	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$212Fees	0.048%Above	15
26	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Acceptable	$1,850Fees	0.844%Above	10
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,005Fees	0.810%Above	95
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,856Fees	0.840%Above	83
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,217Fees	0.509%Above	50
30	The First National Bank and Trust CompanyBank	Strong	Sound	Sound	Strong	Strong	$1,003Fees	0.433%Above	36
31	Midland States BankBank	Strong	Acceptable	Strong	Strong	Strong	$1,295Fees	0.782%Above	55
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,287Fees	0.584%Above	43
33	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,566Fees	0.554%Above	20
34	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,368Fees	0.428%Above	13
35	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,094Fees	0.754%Above	129
36	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,953Fees	1.258%Above	83
37	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,747Fees	0.698%Above	26
38	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,024Fees	0.474%Above	14
39	COMPASS MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,795Fees	0.975%Above	13
40	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,550Fees	0.538%Above	13
41	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,469Fees	0.795%Above	10
42	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,696Fees	0.739%Above	24
43	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,658Fees	1.039%Above	13
44	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$3,872Fees	0.801%Above	14
45	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$1,733Fees	1.581%Above	13
46	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Sound	$5,138Fees	1.485%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.