# Best Conventional Mortgage Lenders in Rockford, IL

**As of:** 2026-05-19

Compare the top Conventional mortgage lenders in Rockford, IL. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/rockford-il/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 55
- **Total Loans:** 3,273
- **Median Rate Spread:** 0.5699245283018868%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 88 | 81 | 503 | Credit Union |
| 2 | Johnson Bank | 88 | 90 | 83 | 14 | Bank |
| 3 | First Mid Bank & Trust, National Association | 85 | 79 | 73 | 295 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 88 | Bank |
| 5 | Associated Bank, National Association | 83 | 93 | 70 | 37 | Bank |
| 6 | Summit Credit Union | 83 | 88 | 64 | 11 | Credit Union |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 297 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 106 | Bank |
| 9 | FIRST NORTHERN Credit Union | 79 | 70 | 66 | 102 | Credit Union |
| 10 | Stillman BancCorp N.A. | 79 | 76 | 74 | 94 | Bank |
| 11 | NORTHWEST BANK OF ROCKFORD | 79 | 66 | 68 | 93 | Bank |
| 12 | Barrington Bank & Trust Company, National Association | 79 | 46 | 68 | 76 | Bank |
| 13 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 49 | Independent Mortgage Company |
| 14 | PNC Bank, National Association | 79 | 75 | 63 | 32 | Bank |
| 15 | First Community CU of Beloit | 79 | 82 | 66 | 32 | Credit Union |
| 16 | The Huntington National Bank | 79 | 63 | 75 | 23 | Bank |
| 17 | First National Bank of Omaha | 79 | 67 | 65 | 12 | Bank |
| 18 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 19 | Credit Union |
| 19 | ILLINOIS STATE | 77 | 95 | 81 | 11 | Credit Union |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 190 | Independent Mortgage Company |
| 21 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 114 | Independent Mortgage Company |
| 22 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 24 | Independent Mortgage Company |
| 23 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 14 | Bank |
| 24 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 95 | Independent Mortgage Company |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 83 | Independent Mortgage Company |
| 26 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 50 | Independent Mortgage Company |
| 27 | GMFS LLC | 70 | 48 | 82 | 10 | Independent Mortgage Company |
| 28 | The First National Bank and Trust Company | 69 | 59 | 73 | 36 | Bank |
| 29 | BMO Bank National Association | 69 | 62 | 48 | 24 | Bank |
| 30 | First Federal Bank | 69 | 73 | 52 | 15 | Bank |
| 31 | Midland States Bank | 67 | 38 | 71 | 55 | Bank |
| 32 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 43 | Independent Mortgage Company |
| 33 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 66 | 29 | 60 | 20 | Independent Mortgage Company |
| 34 | Flagstar Bank, N.A. | 66 | 34 | 72 | 13 | Bank |
| 35 | ENVOY MORTGAGE, LTD | 63 | 24 | 55 | 129 | Independent Mortgage Company |
| 36 | Mortgage Research Center, LLC | 63 | 34 | 43 | 83 | Independent Mortgage Company |
| 37 | COMPASS MORTGAGE, INC. | 63 | 24 | 75 | 13 | Independent Mortgage Company |
| 38 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 26 | Independent Mortgage Company |
| 39 | GUARANTEED RATE AFFINITY, LLC | 62 | 32 | 54 | 14 | Independent Mortgage Company |
| 40 | NEWREZ LLC | 62 | 31 | 58 | 13 | Independent Mortgage Company |
| 41 | CMG MORTGAGE, INC. | 60 | 34 | 73 | 10 | Independent Mortgage Company |
| 42 | ZILLOW HOME LOANS, LLC | 58 | 32 | 50 | 13 | Independent Mortgage Company |
| 43 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 24 | Independent Mortgage Company |
| 44 | CARRINGTON MORTGAGE SERVICES, LLC | 53 | 23 | 30 | 14 | Independent Mortgage Company |
| 45 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 13 | Independent Mortgage Company |
| 46 | MEMBERSALLIANCE CREDIT UNION | 49 | N/A | 54 | 68 | Credit Union |
| 47 | Rock Valley Credit Union | 49 | N/A | 41 | 54 | Credit Union |
| 48 | The Federal Savings Bank | 49 | 18 | 58 | 14 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Rockford, IL.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.