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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 Mortgage Company Lenders in Lake County
Updated February 5, 2026
Market Overview
48
Total Lenders
6,409
Total Loans
0.55%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,455 | +0.267% | 252 | |
2 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,427 | +0.456% | 519 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,163 | +0.502% | 709 | |
4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,842 | +0.719% | 354 | |
5 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,284 | +0.468% | 186 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,648 | +0.680% | 147 | |
7 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $1,639 | +0.359% | 143 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,275 | +0.793% | 116 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $209 | +0.179% | 59 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,141 | +0.887% | 301 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Exceptional | $1,476 | +0.712% | 288 | |
12 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,740 | +0.406% | 181 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,226 | +0.755% | 144 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,316 | +0.674% | 103 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,839 | +0.507% | 58 | |
16 | PROPER RATE, LLC | Strong | Sound | Sound | Strong | $1,960 | +0.322% | 54 | |
17 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,786 | +0.554% | 47 | |
18 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | $1,646 | +0.829% | 25 | |
19 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | $4,799 | +0.773% | 207 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,361 | +0.935% | 152 | |
21 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,099 | +0.558% | 100 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,679 | +0.651% | 88 | |
23 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $3,072 | +0.800% | 67 | |
24 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $3,101 | +0.604% | 63 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,416 | +0.324% | 35 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,424 | +0.562% | 34 | |
27 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Exceptional | $3,169 | +0.745% | 325 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,824 | +0.685% | 88 | |
29 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,878 | +0.611% | 77 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,324 | +0.548% | 76 | |
31 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,481 | +0.408% | 59 | |
32 | PACOR MORTGAGE CORP. | Sound | Acceptable | Sound | Strong | $2,949 | +0.526% | 37 | |
33 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $1,936 | +0.744% | 32 | |
34 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,215 | +0.690% | 27 | |
35 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,643 | +0.392% | 27 | |
36 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $3,956 | +0.353% | 26 | |
37 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,240 | +0.438% | 25 | |
38 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,014 | +0.952% | 24 | |
39 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,513 | +0.538% | 20 | |
40 | MEMBER FIRST MORTGAGE, LLC | Sound | Sound | Acceptable | Sound | $2,001 | +0.501% | 20 | |
41 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $3,881 | +0.728% | 44 | |
42 | GVC MORTGAGE, INC. | Sound | Mediocre | Exceptional | Sound | $3,623 | +0.585% | 37 | |
43 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $2,355 | +1.366% | 35 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $3,117 | +0.571% | 21 | |
45 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Sound | Sound | $2,160 | +1.117% | 27 | |
46 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Sound | $5,556 | +0.611% | 25 | |
47 | TOP FLITE FINANCIAL, INC. | Sound | Mediocre | Sound | Sound | $3,145 | +0.327% | 24 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,526 | +0.690% | 29 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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