🛡️
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 Conventional Mortgage Company Lenders in Lake County
Updated February 5, 2026
Market Overview
41
Total Lenders
7,125
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $565 | -0.100% | 45 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,340 | +0.403% | 150 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,541 | +0.238% | 542 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,306 | +0.364% | 407 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,226 | +0.575% | 90 | |
6 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,382 | +0.175% | 82 | |
7 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,635 | +0.674% | 22 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,890 | +0.307% | 451 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,560 | +0.526% | 427 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,722 | +0.660% | 275 | |
11 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | -$335 | +0.183% | 158 | |
12 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,652 | +0.379% | 117 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $876 | +0.231% | 59 | |
14 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $1,266 | +0.335% | 54 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $288 | +0.664% | 33 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,765 | +0.480% | 27 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,383 | +0.533% | 114 | |
18 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,085 | +0.661% | 92 | |
19 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Strong | $1,669 | +0.286% | 87 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,706 | +0.604% | 67 | |
21 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,853 | +0.582% | 65 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,598 | +0.524% | 61 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,320 | +0.553% | 54 | |
24 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,816 | +0.372% | 52 | |
25 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | -$441 | +0.676% | 52 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,208 | +0.648% | 44 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $2,021 | +0.660% | 29 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,475 | +0.674% | 177 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,572 | +0.417% | 96 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,295 | +0.518% | 87 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,534 | +0.605% | 65 | |
32 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,643 | +0.229% | 45 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,052 | +0.374% | 36 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,475 | +0.362% | 28 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,221 | +0.398% | 27 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,623 | +0.709% | 21 | |
37 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,036 | +0.569% | 16 | |
38 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,255 | +0.915% | 28 | |
39 | Waterstone Mortgage Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $4,069 | +0.658% | 20 | |
40 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,774 | +0.749% | 30 | |
41 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,617 | +0.842% | 17 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Lake County, ILConventional
No credit impact
3-minute process
100% free