🛡️

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 Conventional Mortgage Company Lenders in Cape Coral

Updated February 5, 2026

Market Overview

Total Lenders

13,441

Total Loans

0.43%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,226	-0.013%	42
2	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,433	+0.411%	498
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,743	+0.391%	1,934
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,640	+0.293%	1,095
5	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,034	+0.778%	639
6	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,141	+0.288%	178
7	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$1,957	+0.240%	61
8	THE EQUITABLE MORTGAGE CORPORATION	Strong	Strong	Strong	Sound	Sound	$2,440	+0.526%	36
9	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,138	+0.532%	251
10	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,904	+0.720%	249
11	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,259	+0.185%	190
12	MORTGAGE 1 INCORPORATED	Strong	Acceptable	Exceptional	Strong	Strong	$2,821	+0.407%	166
13	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,128	+0.542%	126
14	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,313	+0.520%	111
15	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,498	+0.514%	96
16	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,845	+0.360%	87
17	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,373	+0.357%	82
18	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,897	+0.311%	64
19	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$6,097	+0.832%	397
20	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,524	+0.713%	248
21	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,831	+0.536%	123
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,489	+0.528%	59
23	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,094	+0.463%	59
24	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,828	+0.513%	48
25	THE MORTGAGE WAREHOUSE,LLC	Strong	Sound	Sound	Sound	Strong	$1,695	+0.165%	48
26	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Sound	$4,770	+0.859%	47
27	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,532	+0.542%	45
28	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,120	+0.665%	40
29	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,866	+0.149%	40
30	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,582	+0.552%	39
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,451	+0.608%	38
32	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$5,288	+0.507%	37
33	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,314	+0.785%	33
34	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,586	-0.028%	141
35	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$5,079	+1.052%	120
36	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$5,753	+0.678%	106
37	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Strong	$5,848	+0.089%	77
38	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,217	+0.624%	74
39	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Strong	$6,029	+0.707%	63
40	Summit Mortgage Corporation	Strong	Acceptable	Strong	Strong	Sound	$3,883	+0.607%	41
41	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Sound	$3,387	+0.612%	37
42	FBC MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,884	+0.175%	54
43	Waterstone Mortgage Corporation	Sound	Mediocre	Exceptional	Strong	Sound	$4,872	+0.869%	43
44	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$3,462	+0.512%	33
45	GENEVA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Sound	$5,937	+0.667%	47
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$5,626	+0.526%	35
47	COASTAL LOANS, LLC	Sound	Mediocre	Sound	Sound	Strong	$6,020	+0.078%	115
48	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Sound	$3,493	+0.408%	54
49	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Sound	Sound	$5,226	+0.952%	49
50	A&D Mortgage LLC	Sound	Mediocre	Strong	Sound	Sound	$4,394	+1.039%	45

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Cape CoralConventional

No credit impact

3-minute process

100% free