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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 Conventional Mortgage Lenders in Lake County

Updated February 5, 2026

Market Overview

Total Lenders

7,125

Total Loans

0.36%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	GREENSTATE Credit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,189	+0.050%	125
2	Old National Bank	Exceptional	Exceptional	Exceptional	Strong	Strong	$404	+0.005%	58
3	Associated Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Strong	$655	+0.004%	43
4	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$615	+0.218%	159
5	Citibank, National Association	Exceptional	Exceptional	Exceptional	Sound	Strong	-$2,041	-0.145%	84
6	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$388	-0.376%	74
7	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$565	-0.100%	45
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$375	+0.088%	97
9	CONSUMERS COOPERATIVE CREDIT UNION	Exceptional	Exceptional	Sound	Sound	Exceptional	$1,143	+0.016%	95
10	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,073	-0.127%	88
11	Baxter Credit Union	Exceptional	Exceptional	Strong	Sound	Strong	$799	+0.122%	67
12	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$1,034	+0.120%	62
13	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Strong	$210	-0.512%	45
14	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,371	+0.162%	423
15	Barrington Bank & Trust Company, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,688	+0.447%	329
16	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,340	+0.403%	150
17	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	-$306	+0.283%	103
18	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,586	-0.072%	55
19	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,541	+0.238%	542
20	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,306	+0.364%	407
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,226	+0.575%	90
22	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$3,382	+0.175%	82
23	BMO Bank National Association	Strong	Strong	Strong	Sound	Strong	$604	+0.217%	45
24	GMFS LLC	Strong	Sound	Exceptional	Exceptional	Sound	$2,635	+0.674%	22
25	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,890	+0.307%	451
26	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,560	+0.526%	427
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,722	+0.660%	275
28	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	-$335	+0.183%	158
29	KEY MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,652	+0.379%	117
30	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$876	+0.231%	59
31	A & N MORTGAGE SERVICES, INC.	Strong	Sound	Strong	Strong	Strong	$1,266	+0.335%	54
32	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$288	+0.664%	33
33	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$1,765	+0.480%	27
34	Ameris Bank	Strong	Sound	Exceptional	Strong	Sound	-$178	+0.110%	17
35	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$1,383	+0.533%	114
36	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$3,085	+0.661%	92
37	PROPER RATE, LLC	Strong	Sound	Strong	Sound	Strong	$1,669	+0.286%	87
38	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$1,706	+0.604%	67
39	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,853	+0.582%	65
40	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,598	+0.524%	61
41	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$1,320	+0.553%	54
42	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,816	+0.372%	52
43	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,460	+0.641%	52
44	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Strong	-$441	+0.676%	52
45	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$5,208	+0.648%	44
46	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Sound	$2,021	+0.660%	29
47	CIBM Bank	Strong	Sound	Strong	Strong	Sound	$1,395	+0.471%	21
48	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,572	+0.417%	96
49	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,295	+0.518%	87
50	M/I FINANCIAL, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,643	+0.229%	45

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

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Lake County, ILConventional

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