🛡️

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 Lenders in Cape Coral

Updated February 5, 2026

Market Overview

163

Total Lenders

13,441

Total Loans

0.43%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	LAKE MICHIGAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	$1,615	-0.046%	271
2	Suncoast Credit Union	Exceptional	Exceptional	Strong	Exceptional	-$611	-0.768%	304
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$1,128	-0.617%	78
4	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	$298	-0.299%	40
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,743	+0.391%	1,934
6	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,957	-0.104%	85
7	U.S. Bank National Association	Strong	Strong	Strong	Strong	$1,133	+0.115%	79
8	Fifth Third Bank, National Association	Strong	Strong	Strong	Strong	$1,266	+0.235%	73
9	FBC MORTGAGE, LLC	Strong	Strong	Exceptional	Sound	$2,884	+0.175%	54
10	PROVIDENT FUNDING ASSOCIATES, L.P.	Strong	Exceptional	Sound	Sound	$2,226	-0.013%	42
11	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$3,433	+0.411%	498
12	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,702	+0.124%	114
13	Citizens Bank, National Association	Strong	Strong	Strong	Sound	$1,375	+0.059%	49
14	Truist Bank	Strong	Strong	Strong	Sound	$1,511	+0.043%	44
15	THE EQUITABLE MORTGAGE CORPORATION	Strong	Strong	Strong	Sound	$2,440	+0.526%	36
16	Third Federal Savings and Loan Association of Cleveland	Strong	Strong	Strong	Sound	$650	-0.123%	32
17	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,640	+0.293%	1,095
18	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,259	+0.185%	190
19	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,141	+0.288%	178
20	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,702	+0.280%	166
21	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$2,845	+0.360%	87
22	THE MORTGAGE WAREHOUSE,LLC	Strong	Sound	Strong	Strong	$1,695	+0.165%	48
23	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$5,034	+0.778%	639
24	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,138	+0.532%	251
25	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	$2,821	+0.407%	166
26	COASTAL LOANS, LLC	Strong	Acceptable	Exceptional	Strong	$6,020	+0.078%	115
27	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$3,498	+0.514%	96
28	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Strong	$1,957	+0.240%	61
29	Regions Bank	Strong	Sound	Strong	Sound	$2,513	+0.300%	53
30	INSPIRE HOME LOANS INC.	Strong	Sound	Strong	Sound	$3,387	+0.612%	37
31	First Horizon Bank	Strong	Sound	Strong	Sound	$2,140	+0.123%	34
32	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	$6,097	+0.832%	397
33	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$3,904	+0.720%	249
34	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,516	+0.381%	154
35	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$2,586	-0.028%	141
36	LOWER, LLC	Strong	Acceptable	Strong	Strong	$3,128	+0.542%	126
37	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Strong	Strong	$3,313	+0.520%	111
38	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$3,373	+0.357%	82
39	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	$5,848	+0.089%	77
40	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	$3,217	+0.624%	74
41	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$2,897	+0.311%	64
42	Equity Prime Mortgage LLC	Strong	Acceptable	Strong	Strong	$3,320	+0.948%	61
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$3,489	+0.528%	59
44	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$3,828	+0.513%	48
45	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Sound	$4,532	+0.542%	45
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Sound	$2,866	+0.149%	40
47	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,582	+0.552%	39
48	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$3,451	+0.608%	38
49	Bell Bank	Strong	Acceptable	Exceptional	Sound	$3,588	+0.309%	33
50	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$4,524	+0.713%	248

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Cape Coral

No credit impact

3-minute process

100% free