# Best Mortgage Lenders in Lake County, IL

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

Compare the top mortgage lenders in Lake County, IL. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lake-county-il/best-mortgage-lenders


> **📋 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:** 92
- **Total Loans:** 7,125
- **Median Rate Spread:** 0.3612857142857143%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 89 | 84 | 125 | Credit Union |
| 2 | The Huntington National Bank | 86 | 61 | 75 | 159 | Bank |
| 3 | Old National Bank | 86 | 84 | 70 | 58 | Bank |
| 4 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 45 | Bank |
| 5 | Associated Bank, National Association | 86 | 93 | 72 | 43 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 542 | Independent Mortgage Company |
| 7 | CONSUMERS COOPERATIVE CREDIT UNION | 84 | 86 | 48 | 95 | Credit Union |
| 8 | Fifth Third Bank, National Association | 80 | 62 | 62 | 103 | Bank |
| 9 | U.S. Bank National Association | 80 | 75 | 71 | 97 | Bank |
| 10 | Bank of America, National Association | 80 | 73 | 75 | 88 | Bank |
| 11 | PNC Bank, National Association | 80 | 71 | 61 | 62 | Bank |
| 12 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 451 | Independent Mortgage Company |
| 13 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 423 | Bank |
| 14 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 150 | Independent Mortgage Company |
| 15 | KEY MORTGAGE SERVICES, INC. | 78 | 45 | 63 | 117 | Independent Mortgage Company |
| 16 | Citibank, National Association | 78 | 87 | 58 | 84 | Bank |
| 17 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 74 | Credit Union |
| 18 | Baxter Credit Union | 78 | 83 | 50 | 67 | Credit Union |
| 19 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 45 | Independent Mortgage Company |
| 20 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 407 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 275 | Independent Mortgage Company |
| 22 | BAY EQUITY LLC | 73 | 43 | 65 | 82 | Independent Mortgage Company |
| 23 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 59 | Independent Mortgage Company |
| 24 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 55 | Bank |
| 25 | A & N MORTGAGE SERVICES, INC. | 73 | 49 | 66 | 54 | Independent Mortgage Company |
| 26 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 54 | Independent Mortgage Company |
| 27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 33 | Independent Mortgage Company |
| 28 | GMFS LLC | 71 | 53 | 85 | 22 | Independent Mortgage Company |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 427 | Independent Mortgage Company |
| 30 | Barrington Bank & Trust Company, National Association | 68 | 36 | 69 | 329 | Bank |
| 31 | THE LOAN STORE, INC. | 68 | 40 | 77 | 158 | Independent Mortgage Company |
| 32 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 67 | Independent Mortgage Company |
| 33 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 61 | Independent Mortgage Company |
| 34 | First American Bank | 66 | 78 | 40 | 22 | Bank |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 90 | Independent Mortgage Company |
| 36 | PROPER RATE, LLC | 66 | 47 | 54 | 87 | Independent Mortgage Company |
| 37 | RESICENTRAL, LLC | 66 | 57 | 53 | 52 | Independent Mortgage Company |
| 38 | BMO Bank National Association | 66 | 60 | 57 | 45 | Bank |
| 39 | TOWNE MORTGAGE COMPANY | 63 | 40 | 79 | 114 | Independent Mortgage Company |
| 40 | Mortgage Research Center, LLC | 63 | 34 | 70 | 112 | Independent Mortgage Company |
| 41 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 96 | Independent Mortgage Company |
| 42 | LOWER, LLC | 63 | 30 | 71 | 65 | Independent Mortgage Company |
| 43 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 52 | Independent Mortgage Company |
| 44 | Flagstar Bank, N.A. | 63 | 40 | 76 | 52 | Bank |
| 45 | M/I FINANCIAL, LLC | 63 | 38 | 75 | 45 | Independent Mortgage Company |
| 46 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 44 | Independent Mortgage Company |
| 47 | T2 FINANCIAL LLC | 62 | 26 | 86 | 36 | Independent Mortgage Company |
| 48 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 28 | Independent Mortgage Company |
| 49 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 27 | Independent Mortgage Company |
| 50 | AMERIHOME MORTGAGE COMPANY, LLC | 60 | 42 | 55 | 29 | 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 Lake County, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.