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

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