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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 Company Lenders in Lake County

Updated February 5, 2026

Market Overview

Total Lenders

8,809

Total Loans

0.45%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,163	+0.502%	709
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,455	+0.267%	252
3	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,648	+0.680%	147
4	RUOFF MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,639	+0.359%	143
5	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,427	+0.456%	519
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,842	+0.719%	354
7	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,141	+0.887%	301
8	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,476	+0.712%	288
9	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,284	+0.468%	186
10	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,740	+0.406%	181
11	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$209	+0.179%	59
12	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$2,786	+0.554%	47
13	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,416	+0.324%	35
14	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$3,169	+0.745%	325
15	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,226	+0.755%	144
16	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,275	+0.793%	116
17	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,316	+0.674%	103
18	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,679	+0.651%	88
19	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,072	+0.800%	67
20	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,839	+0.507%	58
21	PROPER RATE, LLC	Strong	Sound	Strong	Sound	Strong	$1,960	+0.322%	54
22	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,824	+0.685%	88
23	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,878	+0.611%	77
24	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,101	+0.604%	63
25	GVC MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,623	+0.585%	37
26	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,424	+0.562%	34
27	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,936	+0.744%	32
28	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,643	+0.392%	27
29	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,956	+0.353%	26
30	MORTGAGE ASSURANCE, INC.	Strong	Sound	Strong	Sound	Sound	$1,646	+0.829%	25
31	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,117	+0.571%	21
32	MEMBER FIRST MORTGAGE, LLC	Strong	Sound	Strong	Sound	Sound	$2,001	+0.501%	20
33	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Strong	Strong	Exceptional	$4,799	+0.773%	207
34	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,361	+0.935%	152
35	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,099	+0.558%	100
36	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,324	+0.548%	76
37	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$3,881	+0.728%	44
38	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,215	+0.690%	27
39	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,240	+0.438%	25
40	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Strong	$4,481	+0.408%	59
41	PACOR MORTGAGE CORP.	Sound	Acceptable	Sound	Sound	Strong	$2,949	+0.526%	37
42	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,513	+0.538%	20
43	THE ANDERSON FINANCIAL GROUP, INC.	Sound	Sound	Sound	Acceptable	Sound	$1,584	+0.418%	19
44	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Strong	Sound	$2,355	+1.366%	35
45	Farm Credit Mid-America, ACA	Sound	Mediocre	Strong	Sound	Sound	$5,556	+0.611%	25
46	TOP FLITE FINANCIAL, INC.	Sound	Acceptable	Sound	Acceptable	Sound	$3,145	+0.327%	24
47	AMERICAN FIDELITY MORTGAGE SERVICES, INC.	Sound	Acceptable	Acceptable	Sound	Sound	$2,647	+0.563%	19
48	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Strong	Acceptable	Sound	$3,526	+0.690%	29
49	RAPID MORTGAGE COMPANY	Sound	Mediocre	Sound	Sound	Sound	$2,160	+1.117%	27

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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