# Best Conventional Mortgage Lenders in Lake County, IL

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

Compare the top Conventional mortgage lenders in Lake County, IL. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lake-county-il/best-mortgage-lenders/conventional-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:** 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 | 88 | 81 | 125 | Credit Union |
| 2 | The Huntington National Bank | 89 | 63 | 75 | 159 | Bank |
| 3 | Old National Bank | 89 | 84 | 69 | 58 | Bank |
| 4 | Associated Bank, National Association | 89 | 93 | 70 | 43 | Bank |
| 5 | U.S. Bank National Association | 85 | 75 | 69 | 97 | Bank |
| 6 | Bank of America, National Association | 85 | 71 | 67 | 88 | Bank |
| 7 | PNC Bank, National Association | 85 | 75 | 63 | 62 | Bank |
| 8 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 423 | Bank |
| 9 | Barrington Bank & Trust Company, National Association | 83 | 46 | 68 | 329 | Bank |
| 10 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 150 | Independent Mortgage Company |
| 11 | Citibank, National Association | 83 | 86 | 54 | 84 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 74 | Credit Union |
| 13 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 45 | Independent Mortgage Company |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 542 | Independent Mortgage Company |
| 15 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 407 | Independent Mortgage Company |
| 16 | Fifth Third Bank, National Association | 79 | 61 | 60 | 103 | Bank |
| 17 | BAY EQUITY LLC | 79 | 46 | 65 | 82 | Independent Mortgage Company |
| 18 | Baxter Credit Union | 79 | 84 | 45 | 67 | Credit Union |
| 19 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 55 | Bank |
| 20 | Morgan Stanley Private Bank, National Association | 79 | 96 | 57 | 45 | Bank |
| 21 | CONSUMERS COOPERATIVE CREDIT UNION | 77 | 86 | 51 | 95 | Credit Union |
| 22 | GMFS LLC | 77 | 48 | 82 | 22 | Independent Mortgage Company |
| 23 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 451 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 427 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 275 | Independent Mortgage Company |
| 26 | THE LOAN STORE, INC. | 75 | 39 | 71 | 158 | Independent Mortgage Company |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 90 | Independent Mortgage Company |
| 28 | A & N MORTGAGE SERVICES, INC. | 74 | 50 | 73 | 54 | Independent Mortgage Company |
| 29 | BMO Bank National Association | 74 | 62 | 48 | 45 | Bank |
| 30 | KEY MORTGAGE SERVICES, INC. | 73 | 45 | 56 | 117 | Independent Mortgage Company |
| 31 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 59 | Independent Mortgage Company |
| 32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 33 | Independent Mortgage Company |
| 33 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 27 | Independent Mortgage Company |
| 34 | Ameris Bank | 73 | 41 | 76 | 17 | Bank |
| 35 | TOWNE MORTGAGE COMPANY | 71 | 39 | 79 | 114 | Independent Mortgage Company |
| 36 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 71 | 25 | 70 | 92 | Independent Mortgage Company |
| 37 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 67 | Independent Mortgage Company |
| 38 | LOWER, LLC | 71 | 33 | 66 | 65 | Independent Mortgage Company |
| 39 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 61 | Independent Mortgage Company |
| 40 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 52 | Independent Mortgage Company |
| 41 | Flagstar Bank, N.A. | 71 | 34 | 72 | 52 | Bank |
| 42 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 44 | Independent Mortgage Company |
| 43 | PROPER RATE, LLC | 69 | 47 | 48 | 87 | Independent Mortgage Company |
| 44 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 54 | Independent Mortgage Company |
| 45 | RESICENTRAL, LLC | 69 | 55 | 44 | 52 | Independent Mortgage Company |
| 46 | AMERIHOME MORTGAGE COMPANY, LLC | 69 | 44 | 64 | 29 | Independent Mortgage Company |
| 47 | CIBM Bank | 69 | 45 | 67 | 21 | Bank |
| 48 | M/I FINANCIAL, LLC | 67 | 35 | 62 | 45 | Independent Mortgage Company |
| 49 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 96 | Independent Mortgage Company |
| 50 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 87 | 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. **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.