Safe Rate Rankings

Best All Lender Mortgage Lenders in Lake County

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders101

Total Loans8,809

Median Rate Spread0.45%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.