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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 FHA 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,743	+0.391%	1,934
2	LAKE MICHIGAN CREDIT UNION	Exceptional	Strong	Strong	Strong	Exceptional	$1,615	-0.046%	271
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$3,259	+0.185%	190
4	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Sound	$2,884	+0.175%	54
5	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,433	+0.411%	498
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,141	+0.288%	178
7	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,133	+0.115%	79
8	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,640	+0.293%	1,095
9	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$3,516	+0.381%	154
10	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,373	+0.357%	82
11	First Horizon Bank	Strong	Strong	Strong	Strong	Sound	$2,140	+0.123%	34
12	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,831	+0.536%	123
13	COASTAL LOANS, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$6,020	+0.078%	115
14	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,498	+0.514%	96
15	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,094	+0.463%	59
16	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Sound	$2,958	+0.618%	52
17	INSPIRE HOME LOANS INC.	Strong	Sound	Exceptional	Strong	Sound	$3,387	+0.612%	37
18	THE EQUITABLE MORTGAGE CORPORATION	Strong	Strong	Strong	Sound	Sound	$2,440	+0.526%	36
19	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$6,097	+0.832%	397
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,138	+0.532%	251
21	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,904	+0.720%	249
22	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$2,702	+0.280%	166
23	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,128	+0.542%	126
24	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,313	+0.520%	111
25	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,845	+0.360%	87
26	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$5,848	+0.089%	77
27	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,217	+0.624%	74
28	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,320	+0.948%	61
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,489	+0.528%	59
30	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,532	+0.542%	45
31	HOMEBRIDGE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Sound	$3,385	+0.564%	41
32	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,582	+0.552%	39
33	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,034	+0.778%	639
34	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$5,079	+1.052%	120
35	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,493	+0.408%	54
36	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,828	+0.513%	48
37	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,120	+0.665%	40
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,866	+0.149%	40
39	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,451	+0.608%	38
40	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$5,288	+0.507%	37
41	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,462	+0.512%	33
42	Bell Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,588	+0.309%	33
43	MORTGAGE 1 INCORPORATED	Strong	Mediocre	Exceptional	Strong	Strong	$2,821	+0.407%	166
44	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$5,753	+0.678%	106
45	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$2,897	+0.311%	64
46	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Strong	$6,029	+0.707%	63
47	GENEVA FINANCIAL, LLC	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,937	+0.667%	47
48	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,770	+0.859%	47
49	Summit Mortgage Corporation	Strong	Acceptable	Strong	Strong	Sound	$3,883	+0.607%	41
50	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$5,626	+0.526%	35

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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