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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 Lenders in Lake County
Updated February 5, 2026
Market Overview
101
Total Lenders
8,809
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $1,906 | -0.079% | 84 | |
2 | Peoples Bank | Exceptional | Strong | Strong | Exceptional | $1,570 | +0.023% | 129 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $823 | -0.340% | 55 | |
4 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Sound | $975 | +0.128% | 25 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,455 | +0.267% | 252 | |
6 | University Bank | Strong | Sound | Exceptional | Exceptional | $3,185 | +0.135% | 160 | |
7 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | -$185 | +0.240% | 118 | |
8 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,807 | +0.359% | 81 | |
9 | First Merchants Bank | Strong | Strong | Strong | Strong | $1,476 | +0.319% | 78 | |
10 | First Savings Bank of Hegewisch | Strong | Exceptional | Acceptable | Strong | $130 | -0.412% | 25 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,427 | +0.456% | 519 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,906 | +0.255% | 411 | |
13 | Centier Bank | Strong | Sound | Strong | Exceptional | $528 | +0.474% | 269 | |
14 | Horizon Bank | Strong | Sound | Strong | Exceptional | $1,664 | +0.364% | 131 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,423 | +0.185% | 66 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $476 | +0.321% | 33 | |
17 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,431 | -0.132% | 25 | |
18 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $35 | +0.110% | 22 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,163 | +0.502% | 709 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,842 | +0.719% | 354 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,284 | +0.468% | 186 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,648 | +0.680% | 147 | |
23 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $1,639 | +0.359% | 143 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,275 | +0.793% | 116 | |
25 | First Financial Bank | Strong | Sound | Strong | Strong | $1,669 | +0.449% | 89 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $209 | +0.179% | 59 | |
27 | Providence Bank & Trust | Strong | Strong | Acceptable | Strong | $609 | +0.122% | 29 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,141 | +0.887% | 301 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Exceptional | $1,476 | +0.712% | 288 | |
30 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,740 | +0.406% | 181 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,226 | +0.755% | 144 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,316 | +0.674% | 103 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,839 | +0.507% | 58 | |
34 | PROPER RATE, LLC | Strong | Sound | Sound | Strong | $1,960 | +0.322% | 54 | |
35 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,786 | +0.554% | 47 | |
36 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | $1,646 | +0.829% | 25 | |
37 | 1st Source Bank | Strong | Sound | Strong | Sound | $961 | +0.303% | 24 | |
38 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | $4,799 | +0.773% | 207 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,361 | +0.935% | 152 | |
40 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,099 | +0.558% | 100 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,679 | +0.651% | 88 | |
42 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $3,072 | +0.800% | 67 | |
43 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $3,101 | +0.604% | 63 | |
44 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $1,942 | +0.456% | 49 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,416 | +0.324% | 35 | |
46 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,424 | +0.562% | 34 | |
47 | BMO Bank National Association | Strong | Sound | Sound | Sound | $862 | +0.557% | 21 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,824 | +0.685% | 88 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,878 | +0.611% | 77 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,481 | +0.408% | 59 |
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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