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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 Company Lenders in Cape Coral
Updated February 5, 2026
Market Overview
50
Total Lenders
11,313
Total Loans
0.54%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,743 | +0.391% | 1,934 | |
2 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,884 | +0.175% | 54 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,226 | -0.013% | 42 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,433 | +0.411% | 498 | |
5 | THE EQUITABLE MORTGAGE CORPORATION | Strong | Strong | Strong | Sound | $2,440 | +0.526% | 36 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,640 | +0.293% | 1,095 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,259 | +0.185% | 190 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,141 | +0.288% | 178 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,845 | +0.360% | 87 | |
10 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Strong | $1,695 | +0.165% | 48 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,034 | +0.778% | 639 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,138 | +0.532% | 251 | |
13 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | $2,821 | +0.407% | 166 | |
14 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $6,020 | +0.078% | 115 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,498 | +0.514% | 96 | |
16 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,957 | +0.240% | 61 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $3,387 | +0.612% | 37 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $6,097 | +0.832% | 397 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,904 | +0.720% | 249 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,586 | -0.028% | 141 | |
21 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,128 | +0.542% | 126 | |
22 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,313 | +0.520% | 111 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,373 | +0.357% | 82 | |
24 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $5,848 | +0.089% | 77 | |
25 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,217 | +0.624% | 74 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,897 | +0.311% | 64 | |
27 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,320 | +0.948% | 61 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,489 | +0.528% | 59 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,828 | +0.513% | 48 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $4,532 | +0.542% | 45 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $2,866 | +0.149% | 40 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,582 | +0.552% | 39 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,451 | +0.608% | 38 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,524 | +0.713% | 248 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,831 | +0.536% | 123 | |
36 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $5,079 | +1.052% | 120 | |
37 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,094 | +0.463% | 59 | |
38 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $3,493 | +0.408% | 54 | |
39 | Summit Mortgage Corporation | Sound | Acceptable | Strong | Sound | $3,883 | +0.607% | 41 | |
40 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $3,120 | +0.665% | 40 | |
41 | STOCKTON MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $5,288 | +0.507% | 37 | |
42 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $3,462 | +0.512% | 33 | |
43 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $5,753 | +0.678% | 106 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $6,029 | +0.707% | 63 | |
45 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $5,937 | +0.667% | 47 | |
46 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Sound | $3,385 | +0.564% | 41 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,626 | +0.526% | 35 | |
48 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | $5,226 | +0.952% | 49 | |
49 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Sound | $4,770 | +0.859% | 47 | |
50 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Sound | $4,872 | +0.869% | 43 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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