# Best Mortgage Lenders in Cape Coral

**As of:** 2026-05-23

Compare the top mortgage lenders in Cape Coral. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/cape-coral/best-mortgage-lenders


> **📋 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:** 163
- **Total Loans:** 13,441
- **Median Rate Spread:** 0.4316163522012578%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 100 | 82 | 82 | 271 | Credit Union |
| 2 | Suncoast Credit Union | 93 | 98 | 61 | 304 | Credit Union |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,934 | Independent Mortgage Company |
| 4 | Bank of America, National Association | 80 | 73 | 75 | 85 | Bank |
| 5 | U.S. Bank National Association | 80 | 75 | 71 | 79 | Bank |
| 6 | Fifth Third Bank, National Association | 80 | 62 | 62 | 73 | Bank |
| 7 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 498 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 78 | Credit Union |
| 9 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 54 | Independent Mortgage Company |
| 10 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 40 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,095 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 190 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 178 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 166 | Bank |
| 15 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 114 | Bank |
| 16 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 87 | Independent Mortgage Company |
| 17 | Citizens Bank, National Association | 73 | 69 | 62 | 49 | Bank |
| 18 | THE MORTGAGE WAREHOUSE,LLC | 73 | 57 | 67 | 48 | Independent Mortgage Company |
| 19 | Truist Bank | 73 | 70 | 68 | 44 | Bank |
| 20 | THE EQUITABLE MORTGAGE CORPORATION | 73 | 67 | 62 | 36 | Independent Mortgage Company |
| 21 | Third Federal Savings and Loan Association of Cleveland | 73 | 71 | 64 | 32 | Bank |
| 22 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 42 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 639 | Independent Mortgage Company |
| 24 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 251 | Independent Mortgage Company |
| 25 | MORTGAGE 1 INCORPORATED | 68 | 25 | 83 | 166 | Independent Mortgage Company |
| 26 | COASTAL LOANS, LLC | 68 | 22 | 84 | 115 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 96 | Independent Mortgage Company |
| 28 | Regions Bank | 66 | 41 | 64 | 53 | Bank |
| 29 | INSPIRE HOME LOANS INC. | 66 | 43 | 75 | 37 | Independent Mortgage Company |
| 30 | First Horizon Bank | 66 | 49 | 68 | 34 | Bank |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 42 | 55 | 61 | Independent Mortgage Company |
| 32 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 249 | Independent Mortgage Company |
| 33 | Flagstar Bank, N.A. | 63 | 40 | 76 | 154 | Bank |
| 34 | Mortgage Research Center, LLC | 63 | 34 | 70 | 141 | Independent Mortgage Company |
| 35 | LOWER, LLC | 63 | 30 | 71 | 126 | Independent Mortgage Company |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 63 | 28 | 71 | 111 | Independent Mortgage Company |
| 37 | THE LOAN STORE, INC. | 63 | 40 | 77 | 82 | Independent Mortgage Company |
| 38 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 77 | Independent Mortgage Company |
| 39 | VAN DYK MORTGAGE CORPORATION | 63 | 27 | 67 | 74 | Independent Mortgage Company |
| 40 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 64 | Independent Mortgage Company |
| 41 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 61 | Independent Mortgage Company |
| 42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 59 | Independent Mortgage Company |
| 43 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 48 | Independent Mortgage Company |
| 44 | T2 FINANCIAL LLC | 62 | 26 | 86 | 45 | Independent Mortgage Company |
| 45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 40 | Independent Mortgage Company |
| 46 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 39 | Independent Mortgage Company |
| 47 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 38 | Independent Mortgage Company |
| 48 | Bell Bank | 62 | 35 | 82 | 33 | Bank |
| 49 | AMERICAN PACIFIC MORTGAGE CORPORATION | 58 | 14 | 84 | 397 | Independent Mortgage Company |
| 50 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 248 | Independent Mortgage Company |

## 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 Cape Coral.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.