# Best FHA Mortgage Lenders in Rockford, IL

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

Compare the top FHA 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/fha-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 | 94 | 83 | 503 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 114 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 297 | Independent Mortgage Company |
| 4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 190 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 79 | 65 | 60 | 88 | Bank |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 49 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 30 | Independent Mortgage Company |
| 8 | Midland States Bank | 74 | 46 | 69 | 55 | Bank |
| 9 | First Mid Bank & Trust, National Association | 73 | 50 | 57 | 295 | Bank |
| 10 | NORTHWEST BANK OF ROCKFORD | 73 | 68 | 53 | 93 | Bank |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 19 | Independent Mortgage Company |
| 12 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 95 | Independent Mortgage Company |
| 13 | Barrington Bank & Trust Company, National Association | 71 | 28 | 62 | 76 | Bank |
| 14 | PNC Bank, National Association | 69 | 62 | 56 | 32 | Bank |
| 15 | ENVOY MORTGAGE, LTD | 66 | 22 | 54 | 129 | Independent Mortgage Company |
| 16 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 43 | Independent Mortgage Company |
| 17 | COMPASS MORTGAGE, INC. | 63 | 24 | 78 | 13 | Independent Mortgage Company |
| 18 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 14 | Independent Mortgage Company |
| 19 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 13 | Independent Mortgage Company |
| 20 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 12 | Independent Mortgage Company |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 83 | Independent Mortgage Company |
| 22 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 50 | Independent Mortgage Company |
| 23 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 60 | 30 | 75 | 10 | Independent Mortgage Company |
| 24 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 10 | 81 | 24 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 26 | Independent Mortgage Company |

## 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.