🛡️
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 Mortgage Lenders in Lake County
Updated February 5, 2026
Market Overview
92
Total Lenders
7,125
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $1,189 | +0.050% | 125 | |
2 | CONSUMERS COOPERATIVE CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $1,143 | +0.016% | 95 | |
3 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $404 | +0.005% | 58 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $210 | -0.512% | 45 | |
5 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $655 | +0.004% | 43 | |
6 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$615 | +0.218% | 159 | |
7 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$2,041 | -0.145% | 84 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $388 | -0.376% | 74 | |
9 | Baxter Credit Union | Exceptional | Exceptional | Sound | Strong | $799 | +0.122% | 67 | |
10 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $565 | -0.100% | 45 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,541 | +0.238% | 542 | |
12 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | -$306 | +0.283% | 103 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $375 | +0.088% | 97 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,073 | -0.127% | 88 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$1,034 | +0.120% | 62 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,890 | +0.307% | 451 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,371 | +0.162% | 423 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,340 | +0.403% | 150 | |
19 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,652 | +0.379% | 117 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,586 | -0.072% | 55 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,306 | +0.364% | 407 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,722 | +0.660% | 275 | |
23 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,382 | +0.175% | 82 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $876 | +0.231% | 59 | |
25 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | $1,266 | +0.335% | 54 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,320 | +0.553% | 54 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $288 | +0.664% | 33 | |
28 | GMFS LLC | Strong | Sound | Exceptional | Sound | $2,635 | +0.674% | 22 | |
29 | First American Bank | Strong | Strong | Sound | Sound | $1,255 | +0.126% | 22 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,560 | +0.526% | 427 | |
31 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Exceptional | $1,688 | +0.447% | 329 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | -$335 | +0.183% | 158 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,226 | +0.575% | 90 | |
34 | PROPER RATE, LLC | Strong | Sound | Sound | Strong | $1,669 | +0.286% | 87 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,706 | +0.604% | 67 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,598 | +0.524% | 61 | |
37 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | -$441 | +0.676% | 52 | |
38 | BMO Bank National Association | Strong | Sound | Sound | Strong | $604 | +0.217% | 45 | |
39 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $1,383 | +0.533% | 114 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,063 | +1.278% | 112 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,572 | +0.417% | 96 | |
42 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,853 | +0.582% | 65 | |
43 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,816 | +0.372% | 52 | |
44 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,460 | +0.641% | 52 | |
45 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $2,643 | +0.229% | 45 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $5,208 | +0.648% | 44 | |
47 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $1,052 | +0.374% | 36 | |
48 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $2,021 | +0.660% | 29 | |
49 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $1,475 | +0.362% | 28 | |
50 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,221 | +0.398% | 27 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Lake County, IL
No credit impact
3-minute process
100% free