Home purchase lenders in Lake County
7,216 home purchase mortgages were made in Lake County, Illinois, in 2025, by 420 lenders. The median rate their borrowers got was 6.625% on a median loan of $315,000. Of 8,187 decisions, 752 were denials — 9.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 443 | 6.625% | $375,000 | 1.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 423 | 6.875% | $305,000 | 3.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 368 | 6.625% | $315,000 | 10.2% |
| JPMorgan Chase Bank, National Association | 323 | 6.500% | $325,000 | 11.8% |
| Fairway Independent Mortgage Corporation | 266 | 6.875% | $275,000 | 5.7% |
| Rocket Mortgage, LLC | 256 | 6.500% | $305,000 | 14.0% |
| Barrington Bank & Trust Company, National Association | 254 | 6.750% | $325,000 | 1.6% |
| GREENSTATE Credit Union | 226 | 6.750% | $185,000 | 5.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 189 | 6.750% | $275,000 | 5.0% |
| THE LOAN STORE, INC. | 144 | 6.688% | $270,000 | 5.7% |
| Mortgage Research Center, LLC | 137 | 6.250% | $335,000 | 4.7% |
| OriginPoint, LLC | 129 | 6.750% | $435,000 | 0.8% |
| KEY MORTGAGE SERVICES, INC. | 118 | 6.688% | $325,000 | 2.3% |
| Loandepot.Com, LLC | 103 | 6.875% | $245,000 | 5.5% |
| The Huntington National Bank | 102 | 6.500% | $325,000 | 10.3% |
| LENNAR MORTGAGE, LLC | 100 | 5.500% | $315,000 | 6.5% |
| U.S. Bank National Association | 98 | 6.490% | $360,000 | 14.5% |
| Old National Bank | 95 | 6.375% | $255,000 | 9.4% |
| UNION HOME MORTGAGE CORP. | 95 | 6.625% | $325,000 | 7.8% |
| Bank of America, National Association | 94 | 6.250% | $285,000 | 19.5% |
| Fifth Third Bank, National Association | 90 | 6.500% | $365,000 | 13.0% |
| PULTE MORTGAGE LLC | 83 | 6.125% | $475,000 | 7.8% |
| Broker Solutions, Inc. | 82 | 6.875% | $305,000 | 1.2% |
| Navy Federal Credit Union | 80 | 6.125% | $325,000 | 8.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 75 | 6.625% | $275,000 | 3.6% |
| TOWNE MORTGAGE COMPANY | 70 | 6.750% | $285,000 | 1.3% |
| Baxter Credit Union | 68 | 6.625% | $325,000 | 6.7% |
| GUARANTEED RATE AFFINITY, LLC | 68 | 6.625% | $305,000 | 8.1% |
| Citibank, National Association | 65 | 6.125% | $375,000 | 9.6% |
| CONSUMERS COOPERATIVE CREDIT UNION | 65 | 6.375% | $235,000 | 11.3% |
| A & N MORTGAGE SERVICES, INC. | 62 | 6.625% | $405,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 6.875% | $360,000 | 3.2% |
| GUILD MORTGAGE COMPANY | 59 | 6.625% | $305,000 | 7.5% |
| PNC Bank, National Association | 59 | 6.375% | $255,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 57 | 6.625% | $335,000 | 17.4% |
| DHI MORTGAGE COMPANY, LTD. | 55 | 5.990% | $345,000 | 16.7% |
| Prosperity Home Mortgage, LLC | 52 | 6.625% | $340,000 | 1.9% |
| The Federal Savings Bank | 47 | 6.625% | $325,000 | 14.3% |
| A&D Mortgage LLC | 47 | 6.750% | $335,000 | 7.7% |
| Associated Bank, National Association | 46 | 6.375% | $255,000 | 16.1% |
| BAY EQUITY LLC | 41 | 6.625% | $305,000 | 4.7% |
| Abbott Laboratories Employees Credit Union | 39 | Not published | $435,000 | 2.5% |
| BMO Bank National Association | 38 | 6.500% | $365,000 | 30.9% |
| Wells Fargo Bank, National Association | 38 | 6.375% | $395,000 | 13.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 36 | 6.375% | $615,000 | 12.2% |
| Morgan Stanley Private Bank, National Association | 35 | 5.950% | $605,000 | 2.7% |
| M/I FINANCIAL, LLC | 34 | 6.063% | $595,000 | 0.0% |
| CIBM Bank | 33 | 6.625% | $265,000 | 8.3% |
| RESICENTRAL, LLC | 32 | 6.625% | $325,000 | 8.3% |
| LOWER, LLC | 31 | 6.750% | $305,000 | 3.1% |
| 254900O723MCLR701H50 | 30 | 0.000% | $15,000 | 60.0% |
| COMPASS MORTGAGE, INC. | 29 | 6.750% | $315,000 | 3.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 28 | 6.875% | $290,000 | 3.5% |
| Lake Forest Bank & Trust Company, N.A. | 28 | Not published | $820,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 27 | 6.625% | $225,000 | 6.9% |
| Kiavi Funding, Inc. | 27 | 10.490% | $155,000 | 12.9% |
| Loan Funder LLC | 26 | 10.250% | $190,000 | 10.3% |
| First American Bank | 25 | 7.000% | $255,000 | 10.7% |
| NEWREZ LLC | 25 | 6.875% | $315,000 | 10.7% |
| ALLIANT CREDIT UNION | 22 | 6.375% | $435,000 | 12.0% |
| Old Second National Bank | 22 | 6.375% | $275,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 21 | 6.750% | $275,000 | 19.2% |
| Luminate Bank | 19 | 6.625% | $255,000 | 5.0% |
| Home State Bank, National Association | 19 | 6.500% | $245,000 | 4.8% |
| Community Trust Credit Union | 18 | Not published | $280,000 | 10.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 18 | Not published | $375,000 | 0.0% |
| USAA Federal Savings Bank | 17 | 6.500% | $405,000 | 34.6% |
| CMG MORTGAGE, INC. | 17 | 6.875% | $405,000 | 10.0% |
| T2 FINANCIAL LLC | 17 | 6.875% | $475,000 | 0.0% |
| Waterstone Mortgage Corporation | 17 | 6.875% | $315,000 | 5.6% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.875% | $415,000 | 0.0% |
| Plains Commerce Bank | 16 | 6.500% | $330,000 | 11.1% |
| Libertyville Bank & Trust Company, N.A. | 16 | Not published | $665,000 | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.688% | $310,000 | 30.4% |
| LAND HOME FINANCIAL SERVICES, INC. | 16 | 6.938% | $270,000 | 5.3% |
| Homeland Mortgage Company | 16 | 6.063% | $520,000 | 0.0% |
| Waterman State Bank | 15 | Not published | $375,000 | 0.0% |
| MLD MORTGAGE INC. | 15 | 6.625% | $305,000 | 6.3% |
| First National Bank of America | 15 | 8.990% | $205,000 | 6.3% |
| Charles Schwab Bank, SSB | 15 | 5.625% | $385,000 | 11.8% |
| OCMBC, INC. | 14 | 6.688% | $285,000 | 20.0% |
| North Shore Trust and Savings | 14 | Not published | $250,000 | 0.0% |
| JMAC LENDING, INC. | 14 | 6.750% | $325,000 | 6.7% |
| Ameris Bank | 14 | 6.500% | $400,000 | 6.7% |
| SUMMIT FUNDING, INC. | 14 | 6.990% | $495,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 10.070% | $115,000 | 79.4% |
| PROPER RATE, LLC | 13 | 6.975% | $405,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.250% | $365,000 | 13.3% |
| NBKC BANK | 13 | 6.375% | $305,000 | 0.0% |
| KIND LENDING, LLC | 13 | 7.000% | $255,000 | 18.8% |
| CHAMPIONS FUNDING, LLC | 13 | 8.250% | $335,000 | 13.3% |
| First Federal Bank | 13 | 6.500% | $365,000 | 0.0% |
| Cornerstone National Bank & Trust Company | 13 | 6.250% | $245,000 | 0.0% |
| Gold Coast Bank | 13 | Not published | $505,000 | 0.0% |
| SELECT LENDING SERVICES LLC | 12 | 6.875% | $425,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 9.500% | $245,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 11 | 8.300% | $135,000 | 46.4% |
| SIRVA MORTGAGE, INC. | 11 | 6.500% | $425,000 | 0.0% |
| Brighton Bank | 11 | 6.625% | $465,000 | 7.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 7.250% | $445,000 | 7.1% |
| CONSUMER REAL ESTATE FINANCE CO. | 11 | 6.490% | $285,000 | 15.4% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.875% | $235,000 | 7.1% |
| Republic Bank of Chicago | 11 | Not published | $165,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 6.375% | $315,000 | 23.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.563% | $340,000 | 16.7% |
| State Bank of the Lakes, N.A. | 10 | Not published | $280,000 | 9.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | 10 | 6.625% | $560,000 | 0.0% |
| UNITED HOME LOANS, INC. | 10 | 6.875% | $345,000 | 0.0% |
| Johnson Financial Group | 10 | 6.688% | $490,000 | 9.1% |
| AMWEST FUNDING CORP. | 10 | 6.875% | $265,000 | 0.0% |
| NexBank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| POLISH & SLAVIC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Devon Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 10.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Northbrook Bank and Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Marquette Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 5 | Under 10 loans | Under 10 loans | 16.7% |
| POINT MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Liberty Bank for Savings | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Central Federal Savings and Loan Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wintrust Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Chicago | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Brookfield | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 220 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.