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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,743 | +0.391% | 1,934 | |
2 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,884 | +0.175% | 54 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,128 | -0.617% | 78 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,259 | +0.185% | 190 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,141 | +0.288% | 178 | |
6 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,313 | +0.520% | 111 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,845 | +0.360% | 87 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,433 | +0.411% | 498 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,138 | +0.532% | 251 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,640 | +0.293% | 1,095 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,904 | +0.720% | 249 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,516 | +0.381% | 154 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,831 | +0.536% | 123 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,034 | +0.778% | 639 | |
15 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,586 | -0.028% | 141 | |
16 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,128 | +0.542% | 126 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,498 | +0.514% | 96 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,897 | +0.311% | 64 | |
19 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Strong | Strong | Strong | $2,821 | +0.407% | 166 | |
20 | COASTAL LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $6,020 | +0.078% | 115 | |
21 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,848 | +0.089% | 77 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,828 | +0.513% | 48 | |
23 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,524 | +0.713% | 248 | |
24 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $5,753 | +0.678% | 106 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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