# Best FHA Mortgage Lenders in Lake County, IL

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

Compare the top FHA 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/fha-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 | 94 | 83 | 125 | Credit Union |
| 2 | The Huntington National Bank | 89 | 75 | 65 | 159 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 542 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 54 | Independent Mortgage Company |
| 5 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 150 | Independent Mortgage Company |
| 6 | TOWNE MORTGAGE COMPANY | 83 | 46 | 82 | 114 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 407 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 275 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 59 | Independent Mortgage Company |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 33 | Independent Mortgage Company |
| 11 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 451 | Independent Mortgage Company |
| 12 | Barrington Bank & Trust Company, National Association | 75 | 28 | 62 | 329 | Bank |
| 13 | KEY MORTGAGE SERVICES, INC. | 73 | 52 | 54 | 117 | Independent Mortgage Company |
| 14 | NEWREZ LLC | 73 | 52 | 56 | 65 | Independent Mortgage Company |
| 15 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 96 | Independent Mortgage Company |
| 16 | BAY EQUITY LLC | 71 | 37 | 72 | 82 | Independent Mortgage Company |
| 17 | LOWER, LLC | 71 | 29 | 66 | 65 | Independent Mortgage Company |
| 18 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 61 | Independent Mortgage Company |
| 19 | AMERICAN PACIFIC MORTGAGE CORPORATION | 67 | 10 | 81 | 177 | Independent Mortgage Company |
| 20 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 36 | 56 | 90 | Independent Mortgage Company |
| 21 | The Federal Savings Bank | 66 | 26 | 53 | 58 | Bank |
| 22 | OCMBC, INC. | 66 | 39 | 72 | 30 | Independent Mortgage Company |
| 23 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 21 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 427 | Independent Mortgage Company |
| 25 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 63 | 11 | 81 | 92 | Independent Mortgage Company |
| 26 | COMPASS MORTGAGE, INC. | 63 | 24 | 78 | 16 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 44 | Independent Mortgage Company |
| 28 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 87 | Independent Mortgage Company |
| 29 | Luminate Home Loans, Inc. | 56 | 11 | 63 | 28 | Independent Mortgage Company |
| 30 | LAND HOME FINANCIAL SERVICES, INC. | 53 | 19 | 63 | 17 | 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.