# Best Conventional Mortgage Lenders in Lake County

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

Compare the top Conventional mortgage lenders in Lake County. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Old National Bank | 89 | 84 | 69 | 84 | Bank |
| 2 | The Huntington National Bank | 85 | 63 | 75 | 81 | Bank |
| 3 | First Merchants Bank | 85 | 69 | 70 | 78 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 411 | Bank |
| 5 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 55 | Credit Union |
| 6 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 709 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 252 | Independent Mortgage Company |
| 8 | Centier Bank | 79 | 57 | 72 | 269 | Bank |
| 9 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 147 | Independent Mortgage Company |
| 10 | RUOFF MORTGAGE COMPANY, INC. | 79 | 46 | 74 | 143 | Independent Mortgage Company |
| 11 | Horizon Bank | 79 | 42 | 74 | 131 | Bank |
| 12 | Peoples Bank | 79 | 70 | 62 | 129 | Bank |
| 13 | Fifth Third Bank, National Association | 79 | 61 | 60 | 118 | Bank |
| 14 | First Financial Bank | 79 | 43 | 71 | 89 | Bank |
| 15 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 66 | Bank |
| 16 | Barrington Bank & Trust Company, National Association | 79 | 46 | 68 | 49 | Bank |
| 17 | U.S. Bank National Association | 79 | 75 | 69 | 33 | Bank |
| 18 | Bank of America, National Association | 79 | 71 | 67 | 25 | Bank |
| 19 | PNC Bank, National Association | 79 | 75 | 63 | 22 | Bank |
| 20 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 519 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 354 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 301 | Independent Mortgage Company |
| 23 | AMERICAN FINANCIAL NETWORK, INC. | 75 | 29 | 63 | 288 | Independent Mortgage Company |
| 24 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 186 | Independent Mortgage Company |
| 25 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 75 | 29 | 60 | 181 | Independent Mortgage Company |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 47 | Independent Mortgage Company |
| 27 | EVERWISE CREDIT UNION | 74 | 80 | 68 | 25 | Credit Union |
| 28 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 59 | Independent Mortgage Company |
| 29 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 71 | 25 | 70 | 325 | Independent Mortgage Company |
| 30 | University Bank | 71 | 34 | 75 | 160 | Bank |
| 31 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 144 | Independent Mortgage Company |
| 32 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 103 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 88 | Independent Mortgage Company |
| 34 | LEADERONE FINANCIAL CORPORATION | 71 | 24 | 66 | 67 | Independent Mortgage Company |
| 35 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 58 | Independent Mortgage Company |
| 36 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 116 | Independent Mortgage Company |
| 37 | PROPER RATE, LLC | 69 | 47 | 48 | 54 | Independent Mortgage Company |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 35 | Independent Mortgage Company |
| 39 | 1st Source Bank | 69 | 57 | 65 | 24 | Bank |
| 40 | BMO Bank National Association | 69 | 62 | 48 | 21 | Bank |
| 41 | MICHIGAN MUTUAL, INC. | 67 | 29 | 66 | 63 | Independent Mortgage Company |
| 42 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 88 | Independent Mortgage Company |
| 43 | NEWREZ LLC | 66 | 31 | 58 | 77 | Independent Mortgage Company |
| 44 | GVC MORTGAGE, INC. | 66 | 21 | 76 | 37 | Independent Mortgage Company |
| 45 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 34 | Independent Mortgage Company |
| 46 | LOWER, LLC | 66 | 33 | 66 | 32 | Independent Mortgage Company |
| 47 | TOWNE MORTGAGE COMPANY | 66 | 39 | 79 | 27 | Independent Mortgage Company |
| 48 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 26 | Independent Mortgage Company |
| 49 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 21 | Independent Mortgage Company |
| 50 | MORTGAGE ASSURANCE, INC. | 64 | 49 | 52 | 25 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.