# Sanibel Captiva Community Bank

> **Canonical URL:** https://saferate.com/lenders/sanibel-captiva-community-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Sanibel Captiva Community Bank is a bank, headquartered in Sanibel, FL, with 64 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 98% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RMUJVUQYCW8836
- **Headquarters:** Sanibel, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 2/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.433%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,592
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 64
- **Dollar Volume:** $39 million
- **Applications Received:** 95
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $616,406
- **Average Borrower Income:** $268,188
- **Average Property Value:** $1,113,281

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 51 | +1.447% | $4,578 | Acceptable 🙂 |
| Jumbo | 66/100 | 13 | +1.200% | $4,815 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 48 loans, Score: 31/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 61 | $39M | +1.425% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 64 | 0.02% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cape Coral | FL | 55 | 73/100 |

## Where This Lender Ranks

Sanibel Captiva Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Cape Coral for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cape-coral/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Cape Coral Banks
  - [View Full Rankings](https://saferate.com/cape-coral/best-mortgage-lenders/banks)
- 🏆 **#15** in Cape Coral for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cape-coral/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Cape Coral for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cape-coral/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Sanibel Captiva Community Bank offer?

Sanibel Captiva Community Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Sanibel Captiva Community Bank offer mortgages?

Sanibel Captiva Community Bank offers mortgages in 1 states: FL.

### How competitive are Sanibel Captiva Community Bank's mortgage rates?

Sanibel Captiva Community Bank has a pricing score of 2/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.433% above market average.

### What type of lender is Sanibel Captiva Community Bank?

Sanibel Captiva Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Sanibel, FL.

### What is Sanibel Captiva Community Bank's loan approval success rate?

Sanibel Captiva Community Bank has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sanibel-captiva-community-bank

### How to Cite

> "Sanibel Captiva Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sanibel-captiva-community-bank

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