Safe Rate Rankings

Best Conventional Mortgage Lenders in Cape Coral

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders163

Total Loans13,441

Median Rate Spread0.43%

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