Safe Rate Rankings

Best Credit Union Mortgage Lenders in Rockford

Updated May 26, 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
GREENSTATE Credit UnionCredit Union
Exceptional
Exceptional
Exceptional
Exceptional
$693Fees
0.096%Above
503
2
FIRST NORTHERN Credit UnionCredit Union
Exceptional
Strong
Strong
Exceptional
$846Fees
0.331%Above
102
3
First Community CU of BeloitCredit Union
Strong
Exceptional
Acceptable
Strong
$861Fees
0.035%Above
32

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.