# Best VA Mortgage Lenders in Lake County

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 252 | Independent Mortgage Company |
| 2 | University Bank | 95 | 76 | 87 | 160 | Bank |
| 3 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 519 | Independent Mortgage Company |
| 4 | AMERICAN FINANCIAL NETWORK, INC. | 89 | 75 | 63 | 288 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 116 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 59 | Independent Mortgage Company |
| 7 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 411 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 55 | Credit Union |
| 9 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 709 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 354 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 147 | Independent Mortgage Company |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 301 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 186 | Independent Mortgage Company |
| 14 | MICHIGAN MUTUAL, INC. | 74 | 51 | 77 | 63 | Independent Mortgage Company |
| 15 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 71 | 35 | 70 | 181 | Independent Mortgage Company |
| 16 | Mortgage Research Center, LLC | 71 | 34 | 61 | 152 | Independent Mortgage Company |
| 17 | CARRINGTON MORTGAGE SERVICES, LLC | 66 | 26 | 51 | 59 | Independent Mortgage Company |
| 18 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 63 | 7 | 80 | 325 | Independent Mortgage Company |
| 19 | Ixonia Bank | 63 | 15 | 73 | 225 | Bank |
| 20 | DIRECT MORTGAGE LOANS, LLC | 60 | 6 | 70 | 207 | Independent Mortgage Company |
| 21 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 10 | 79 | 76 | Independent Mortgage Company |
| 22 | LEADERONE FINANCIAL CORPORATION | 60 | 9 | 76 | 67 | Independent Mortgage Company |
| 23 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 88 | Independent Mortgage Company |
| 24 | The Federal Savings Bank | 52 | 9 | 54 | 24 | Bank |

## 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.