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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 FHA 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	University Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$3,185	+0.135%	160
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,455	+0.267%	252
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$3,275	+0.793%	116
4	Old National Bank	Exceptional	Exceptional	Strong	Sound	Strong	$1,906	-0.079%	84
5	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,807	+0.359%	81
6	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	-$185	+0.240%	118
7	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$209	+0.179%	59
8	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Sound	$3,956	+0.353%	26
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,163	+0.502%	709
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,842	+0.719%	354
11	Centier Bank	Strong	Strong	Sound	Sound	Exceptional	$528	+0.474%	269
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,648	+0.680%	147
13	Horizon Bank	Strong	Strong	Sound	Sound	Exceptional	$1,664	+0.364%	131
14	First Merchants Bank	Strong	Strong	Strong	Sound	Strong	$1,476	+0.319%	78
15	MICHIGAN MUTUAL, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,101	+0.604%	63
16	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$2,643	+0.392%	27
17	MORTGAGE ASSURANCE, INC.	Strong	Strong	Strong	Strong	Sound	$1,646	+0.829%	25
18	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,427	+0.456%	519
19	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,906	+0.255%	411
20	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,476	+0.712%	288
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,284	+0.468%	186
22	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,740	+0.406%	181
23	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,226	+0.755%	144
24	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,316	+0.674%	103
25	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,878	+0.611%	77
26	Bank of England	Strong	Sound	Exceptional	Strong	Sound	$3,977	+0.636%	29
27	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,799	+0.773%	207
28	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,639	+0.359%	143
29	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,099	+0.558%	100
30	First Financial Bank	Strong	Sound	Strong	Sound	Strong	$1,669	+0.449%	89
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,839	+0.507%	58
32	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$1,942	+0.456%	49
33	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$2,786	+0.554%	47
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,424	+0.562%	34
35	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	Strong	Mediocre	Strong	Exceptional	Exceptional	$3,169	+0.745%	325
36	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,141	+0.887%	301
37	Ixonia Bank	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,534	+0.685%	225
38	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,361	+0.935%	152
39	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,324	+0.548%	76
40	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,481	+0.408%	59
41	PROPER RATE, LLC	Strong	Sound	Sound	Sound	Strong	$1,960	+0.322%	54
42	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,936	+0.744%	32
43	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,215	+0.690%	27
44	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,240	+0.438%	25
45	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,014	+0.952%	24
46	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,513	+0.538%	20
47	MEMBER FIRST MORTGAGE, LLC	Strong	Sound	Strong	Sound	Sound	$2,001	+0.501%	20
48	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,416	+0.324%	35
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,526	+0.690%	29
50	THE ANDERSON FINANCIAL GROUP, INC.	Strong	Sound	Sound	Sound	Sound	$1,584	+0.418%	19

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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