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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 Rockford
Updated February 5, 2026
Market Overview
55
Total Lenders
3,273
Total Loans
0.57%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $693 | +0.096% | 503 | |
2 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $696 | +0.338% | 14 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $677 | +0.133% | 37 | |
4 | Summit Credit Union | Exceptional | Exceptional | Exceptional | Strong | Sound | -$368 | +0.027% | 11 | |
5 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,177 | +0.204% | 295 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $742 | +0.518% | 88 | |
7 | First Community CU of Beloit | Exceptional | Exceptional | Sound | Strong | Strong | $861 | +0.035% | 32 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $261 | -0.371% | 19 | |
9 | ILLINOIS STATE | Exceptional | Exceptional | Sound | Exceptional | Sound | $364 | -0.199% | 11 | |
10 | FIRST NORTHERN Credit Union | Exceptional | Strong | Sound | Strong | Exceptional | $846 | +0.331% | 102 | |
11 | Stillman BancCorp N.A. | Exceptional | Strong | Sound | Strong | Exceptional | $631 | +0.256% | 94 | |
12 | NORTHWEST BANK OF ROCKFORD | Exceptional | Strong | Sound | Strong | Exceptional | $1,290 | +0.279% | 93 | |
13 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$808 | +0.588% | 32 | |
14 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $400 | +0.277% | 23 | |
15 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Sound | $1,411 | +0.510% | 12 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,757 | +0.609% | 297 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,928 | +0.302% | 106 | |
18 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,166 | +0.490% | 76 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,005 | +0.875% | 49 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,418 | +0.379% | 14 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,243 | +0.795% | 190 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,177 | +0.656% | 114 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,793 | +0.196% | 24 | |
24 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $318 | +0.688% | 24 | |
25 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $212 | +0.048% | 15 | |
26 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | Acceptable | $1,850 | +0.844% | 10 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.810% | 95 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,856 | +0.840% | 83 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,217 | +0.509% | 50 | |
30 | The First National Bank and Trust Company | Strong | Sound | Sound | Strong | Strong | $1,003 | +0.433% | 36 | |
31 | Midland States Bank | Strong | Acceptable | Strong | Strong | Strong | $1,295 | +0.782% | 55 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,287 | +0.584% | 43 | |
33 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,566 | +0.554% | 20 | |
34 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,368 | +0.428% | 13 | |
35 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $2,094 | +0.754% | 129 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,953 | +1.258% | 83 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,747 | +0.698% | 26 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,024 | +0.474% | 14 | |
39 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,795 | +0.975% | 13 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,550 | +0.538% | 13 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,469 | +0.795% | 10 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,696 | +0.739% | 24 | |
43 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,658 | +1.039% | 13 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,872 | +0.801% | 14 | |
45 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $1,733 | +1.581% | 13 | |
46 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Sound | $5,138 | +1.485% | 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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Rockford, ILConventional
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