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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 Mortgage Company Lenders in Lake County
Updated February 5, 2026
Market Overview
40
Total Lenders
4,851
Total Loans
0.47%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $565 | -0.100% | 45 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,541 | +0.238% | 542 | |
3 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,890 | +0.307% | 451 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,340 | +0.403% | 150 | |
5 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,652 | +0.379% | 117 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,306 | +0.364% | 407 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,722 | +0.660% | 275 | |
8 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,382 | +0.175% | 82 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $876 | +0.231% | 59 | |
10 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | $1,266 | +0.335% | 54 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,320 | +0.553% | 54 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $288 | +0.664% | 33 | |
13 | GMFS LLC | Strong | Sound | Exceptional | Sound | $2,635 | +0.674% | 22 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,560 | +0.526% | 427 | |
15 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | -$335 | +0.183% | 158 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,226 | +0.575% | 90 | |
17 | PROPER RATE, LLC | Strong | Sound | Sound | Strong | $1,669 | +0.286% | 87 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,706 | +0.604% | 67 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,598 | +0.524% | 61 | |
20 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | -$441 | +0.676% | 52 | |
21 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,475 | +0.674% | 177 | |
22 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $1,383 | +0.533% | 114 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,063 | +1.278% | 112 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,572 | +0.417% | 96 | |
25 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,853 | +0.582% | 65 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,816 | +0.372% | 52 | |
27 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $2,643 | +0.229% | 45 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $5,208 | +0.648% | 44 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $1,052 | +0.374% | 36 | |
30 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $2,021 | +0.660% | 29 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $1,475 | +0.362% | 28 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,221 | +0.398% | 27 | |
33 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Exceptional | $3,085 | +0.661% | 92 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,295 | +0.518% | 87 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,534 | +0.605% | 65 | |
36 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $3,774 | +0.749% | 30 | |
37 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,765 | +0.480% | 27 | |
38 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,623 | +0.709% | 21 | |
39 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $4,255 | +0.915% | 28 | |
40 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Sound | $4,069 | +0.658% | 20 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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