# Best Mortgage Lenders in Lake County

**As of:** 2026-05-21

Compare the top mortgage lenders in Lake County. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lake-county/best-mortgage-lenders


> **📋 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:** 101
- **Total Loans:** 8,809
- **Median Rate Spread:** 0.45245454545454544%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Peoples Bank | 86 | 70 | 70 | 129 | Bank |
| 2 | Old National Bank | 86 | 84 | 70 | 84 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 252 | Independent Mortgage Company |
| 4 | University Bank | 84 | 46 | 86 | 160 | Bank |
| 5 | Fifth Third Bank, National Association | 80 | 62 | 62 | 118 | Bank |
| 6 | The Huntington National Bank | 80 | 61 | 75 | 81 | Bank |
| 7 | First Merchants Bank | 80 | 66 | 71 | 78 | Bank |
| 8 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 519 | Independent Mortgage Company |
| 9 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 411 | Bank |
| 10 | Centier Bank | 78 | 57 | 72 | 269 | Bank |
| 11 | Horizon Bank | 78 | 44 | 63 | 131 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 55 | Credit Union |
| 13 | EVERWISE CREDIT UNION | 78 | 83 | 71 | 25 | Credit Union |
| 14 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 709 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 354 | Independent Mortgage Company |
| 16 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 186 | Independent Mortgage Company |
| 17 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 147 | Independent Mortgage Company |
| 18 | RUOFF MORTGAGE COMPANY, INC. | 73 | 43 | 75 | 143 | Independent Mortgage Company |
| 19 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 116 | Independent Mortgage Company |
| 20 | First Financial Bank | 73 | 42 | 72 | 89 | Bank |
| 21 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 66 | Bank |
| 22 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 59 | Independent Mortgage Company |
| 23 | U.S. Bank National Association | 73 | 75 | 71 | 33 | Bank |
| 24 | Bank of America, National Association | 73 | 73 | 75 | 25 | Bank |
| 25 | PNC Bank, National Association | 73 | 71 | 61 | 22 | Bank |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 301 | Independent Mortgage Company |
| 27 | AMERICAN FINANCIAL NETWORK, INC. | 68 | 28 | 71 | 288 | Independent Mortgage Company |
| 28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 68 | 28 | 68 | 181 | Independent Mortgage Company |
| 29 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 144 | Independent Mortgage Company |
| 30 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 103 | Independent Mortgage Company |
| 31 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 58 | Independent Mortgage Company |
| 32 | First Savings Bank of Hegewisch | 68 | 96 | 23 | 25 | Bank |
| 33 | MORTGAGE ASSURANCE, INC. | 66 | 51 | 64 | 25 | Independent Mortgage Company |
| 34 | 1st Source Bank | 66 | 55 | 69 | 24 | Bank |
| 35 | PROPER RATE, LLC | 66 | 47 | 54 | 54 | Independent Mortgage Company |
| 36 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 42 | 55 | 47 | Independent Mortgage Company |
| 37 | Mortgage Research Center, LLC | 63 | 34 | 70 | 152 | Independent Mortgage Company |
| 38 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 63 | 25 | 69 | 100 | Independent Mortgage Company |
| 39 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 88 | Independent Mortgage Company |
| 40 | LEADERONE FINANCIAL CORPORATION | 63 | 21 | 73 | 67 | Independent Mortgage Company |
| 41 | MICHIGAN MUTUAL, INC. | 63 | 32 | 73 | 63 | Independent Mortgage Company |
| 42 | Barrington Bank & Trust Company, National Association | 63 | 36 | 69 | 49 | Bank |
| 43 | Providence Bank & Trust | 63 | 68 | 27 | 29 | Bank |
| 44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 34 | Independent Mortgage Company |
| 45 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 35 | Independent Mortgage Company |
| 46 | BMO Bank National Association | 60 | 60 | 57 | 21 | Bank |
| 47 | DIRECT MORTGAGE LOANS, LLC | 58 | 17 | 80 | 207 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 88 | Independent Mortgage Company |
| 49 | NEWREZ LLC | 58 | 35 | 59 | 77 | Independent Mortgage Company |
| 50 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 24 | 41 | 59 | 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.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.