Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	$1,189Fees	0.050%Above	125
2	CONSUMERS COOPERATIVE CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$1,143Fees	0.016%Above	95
3	Old National BankBank	Exceptional	Exceptional	Strong	Strong	$404Fees	0.005%Above	58
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$210Fees	0.512%Below	45
5	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$655Fees	0.004%Above	43
6	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$615Credit	0.218%Above	159
7	Citibank, National AssociationBank	Exceptional	Exceptional	Sound	Strong	$2,041Credit	0.145%Below	84
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$388Fees	0.376%Below	74
9	Baxter Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$799Fees	0.122%Above	67
10	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$565Fees	0.100%Below	45
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,541Fees	0.238%Above	542
12	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$306Credit	0.283%Above	103
13	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$375Fees	0.088%Above	97
14	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,073Fees	0.127%Below	88
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,034Credit	0.120%Above	62
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,890Fees	0.307%Above	451
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,371Fees	0.162%Above	423
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,340Fees	0.403%Above	150
19	KEY MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,652Fees	0.379%Above	117
20	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,586Fees	0.072%Below	55
21	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,306Fees	0.364%Above	407
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,722Fees	0.660%Above	275
23	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,382Fees	0.175%Above	82
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$876Fees	0.231%Above	59
25	A & N MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,266Fees	0.335%Above	54
26	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,320Fees	0.553%Above	54
27	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$288Fees	0.664%Above	33
28	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,635Fees	0.674%Above	22
29	First American BankBank	Strong	Strong	Sound	Sound	$1,255Fees	0.126%Above	22
30	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,560Fees	0.526%Above	427
31	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Strong	Exceptional	$1,688Fees	0.447%Above	329
32	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$335Credit	0.183%Above	158
33	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$1,226Fees	0.575%Above	90
34	PROPER RATE, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,669Fees	0.286%Above	87
35	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,706Fees	0.604%Above	67
36	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,598Fees	0.524%Above	61
37	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$441Credit	0.676%Above	52
38	BMO Bank National AssociationBank	Strong	Sound	Sound	Strong	$604Fees	0.217%Above	45
39	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,383Fees	0.533%Above	114
40	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,063Fees	1.278%Above	112
41	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,572Fees	0.417%Above	96
42	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,853Fees	0.582%Above	65
43	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,816Fees	0.372%Above	52
44	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,460Fees	0.641%Above	52
45	M/I FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,643Fees	0.229%Above	45
46	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,208Fees	0.648%Above	44
47	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,052Fees	0.374%Above	36
48	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,021Fees	0.660%Above	29
49	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,475Fees	0.362%Above	28
50	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,221Fees	0.398%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.