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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	LAKE MICHIGAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,615	-0.046%	271
2	Suncoast Credit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	-$611	-0.768%	304
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,128	-0.617%	78
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,957	-0.104%	85
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,133	+0.115%	79
6	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,226	-0.013%	42
7	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,433	+0.411%	498
8	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,702	+0.124%	114
9	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,266	+0.235%	73
10	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,511	+0.043%	44
11	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$298	-0.299%	40
12	Third Federal Savings and Loan Association of Cleveland	Exceptional	Strong	Exceptional	Strong	Sound	$650	-0.123%	32
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,743	+0.391%	1,934
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,640	+0.293%	1,095
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,702	+0.280%	166
16	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,375	+0.059%	49
17	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,034	+0.778%	639
18	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,141	+0.288%	178
19	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$1,957	+0.240%	61
20	THE EQUITABLE MORTGAGE CORPORATION	Strong	Strong	Strong	Sound	Sound	$2,440	+0.526%	36
21	First Horizon Bank	Strong	Sound	Exceptional	Strong	Sound	$2,140	+0.123%	34
22	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,138	+0.532%	251
23	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,904	+0.720%	249
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,259	+0.185%	190
25	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Strong	$2,821	+0.407%	166
26	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$3,516	+0.381%	154
27	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,128	+0.542%	126
28	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,313	+0.520%	111
29	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,498	+0.514%	96
30	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,845	+0.360%	87
31	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,373	+0.357%	82
32	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,897	+0.311%	64
33	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$6,097	+0.832%	397
34	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,524	+0.713%	248
35	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,831	+0.536%	123
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,489	+0.528%	59
37	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,094	+0.463%	59
38	Regions Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,513	+0.300%	53
39	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,958	+0.618%	52
40	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,828	+0.513%	48
41	THE MORTGAGE WAREHOUSE,LLC	Strong	Sound	Sound	Sound	Strong	$1,695	+0.165%	48
42	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Sound	$4,770	+0.859%	47
43	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,532	+0.542%	45
44	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,120	+0.665%	40
45	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,866	+0.149%	40
46	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,582	+0.552%	39
47	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,451	+0.608%	38
48	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$5,288	+0.507%	37
49	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,314	+0.785%	33
50	Bell Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,588	+0.309%	33

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

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