Safe Rate Rankings

Best Conventional Mortgage Lenders in Lake County

Updated May 19, 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.

Market

Total Lenders92

Total Loans7,125

Median Rate Spread0.36%

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