Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,906Fees	0.079%Below	84
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$823Fees	0.340%Below	55
3	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,807Fees	0.359%Above	81
4	First Merchants BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,476Fees	0.319%Above	78
5	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,906Fees	0.255%Above	411
6	Peoples BankBank	Exceptional	Strong	Sound	Strong	Exceptional	$1,570Fees	0.023%Above	129
7	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$185Credit	0.240%Above	118
8	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,423Fees	0.185%Above	66
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$476Fees	0.321%Above	33
10	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,431Fees	0.132%Below	25
11	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$35Fees	0.110%Above	22
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,163Fees	0.502%Above	709
13	Centier BankBank	Strong	Sound	Strong	Strong	Exceptional	$528Fees	0.474%Above	269
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,455Fees	0.267%Above	252
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,648Fees	0.680%Above	147
16	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,639Fees	0.359%Above	143
17	Horizon BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,664Fees	0.364%Above	131
18	First Financial BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,669Fees	0.449%Above	89
19	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,942Fees	0.456%Above	49
20	EVERWISE CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	Sound	$975Fees	0.128%Above	25
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,427Fees	0.456%Above	519
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,842Fees	0.719%Above	354
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,141Fees	0.887%Above	301
24	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,476Fees	0.712%Above	288
25	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,284Fees	0.468%Above	186
26	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,740Fees	0.406%Above	181
27	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$209Fees	0.179%Above	59
28	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,786Fees	0.554%Above	47
29	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,416Fees	0.324%Above	35
30	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$862Fees	0.557%Above	21
31	DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,169Fees	0.745%Above	325
32	University BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,185Fees	0.135%Above	160
33	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,226Fees	0.755%Above	144
34	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,275Fees	0.793%Above	116
35	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,316Fees	0.674%Above	103
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,679Fees	0.651%Above	88
37	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,072Fees	0.800%Above	67
38	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,839Fees	0.507%Above	58
39	PROPER RATE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,960Fees	0.322%Above	54
40	1st Source BankBank	Strong	Sound	Strong	Strong	Sound	$961Fees	0.303%Above	24
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,824Fees	0.685%Above	88
42	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,878Fees	0.611%Above	77
43	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,101Fees	0.604%Above	63
44	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,623Fees	0.585%Above	37
45	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,424Fees	0.562%Above	34
46	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,936Fees	0.744%Above	32
47	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,643Fees	0.392%Above	27
48	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,956Fees	0.353%Above	26
49	MORTGAGE ASSURANCE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,646Fees	0.829%Above	25
50	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,117Fees	0.571%Above	21

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.