Refinancing lenders in Lake County
1,725 refinancing mortgages were made in Lake County, Indiana, in 2025, by 235 lenders. The median rate their borrowers got was 6.490% on a median loan of $195,000. Of 2,303 decisions, 441 were denials — 19.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Centier Bank | 142 | 8.750% | $85,000 | 18.5% |
| Rocket Mortgage, LLC | 126 | 5.990% | $235,000 | 19.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 114 | 5.750% | $285,000 | 14.9% |
| FREEDOM MORTGAGE CORPORATION | 98 | 6.125% | $265,000 | 3.4% |
| TECH Credit Union | 79 | 7.240% | $85,000 | 3.7% |
| First Merchants Bank | 67 | 7.250% | $105,000 | 25.6% |
| Peoples Bank | 67 | 6.990% | $105,000 | 9.5% |
| Old National Bank | 66 | 6.240% | $105,000 | 28.0% |
| Kiavi Funding, Inc. | 64 | 7.250% | $135,000 | 30.4% |
| Fifth Third Bank, National Association | 62 | 7.750% | $105,000 | 27.7% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 5.995% | $240,000 | 8.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | 6.125% | $280,000 | 8.6% |
| GUARANTEED RATE, INC. | 31 | 6.125% | $295,000 | 11.1% |
| PNC Bank, National Association | 28 | 7.065% | $85,000 | 30.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 25 | 6.500% | $265,000 | 24.2% |
| NEWREZ LLC | 24 | 5.990% | $250,000 | 36.6% |
| Fairway Independent Mortgage Corporation | 21 | 6.125% | $235,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 20 | 5.995% | $220,000 | 4.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 18 | 5.750% | $225,000 | 7.4% |
| Mortgage Research Center, LLC | 17 | 5.750% | $265,000 | 43.8% |
| Ixonia Bank | 17 | 6.375% | $235,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 15 | 6.750% | $105,000 | 23.8% |
| NATIONSTAR MORTGAGE LLC | 15 | 5.990% | $335,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.250% | $285,000 | 26.3% |
| UNION HOME MORTGAGE CORP. | 14 | 6.125% | $255,000 | 0.0% |
| PHH Mortgage Corporation | 13 | 5.875% | $295,000 | 18.8% |
| Loandepot.Com, LLC | 12 | 6.125% | $245,000 | 17.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 5.813% | $130,000 | 20.0% |
| Horizon Bank | 12 | 6.000% | $105,000 | 23.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 12 | 6.500% | $190,000 | 0.0% |
| First Financial Bank | 12 | 5.688% | $170,000 | 14.3% |
| DeMotte State Bank | 12 | Not published | $115,000 | 7.7% |
| DIRECT MORTGAGE LOANS, LLC | 12 | 5.995% | $280,000 | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 11 | 6.900% | $125,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.370% | $280,000 | 68.8% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank of Hegewisch | 8 | Under 10 loans | Under 10 loans | 30.8% |
| RAPID MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CLEARPATH LENDING | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| RUOFF MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ENDEAVOR CAPITAL, LLC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EVERWISE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Providence Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HealthCare Associates Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T73HGYTHZBWG27 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regional Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kentland Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of St. Anne | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Porter | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL CENTER FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Trust and Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marquette Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wintrust Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hinsdale Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 66.7% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GoodLeap, LLC | 0 | 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 35 lenders each made 0 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.