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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 Lenders in Naples
Updated February 5, 2026
Market Overview
80
Total Lenders
4,495
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $1,480 | -0.054% | 151 | |
2 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | -$552 | -0.874% | 69 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $366 | -0.410% | 49 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,705 | +0.342% | 438 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $683 | +0.069% | 95 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,546 | -0.319% | 53 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,422 | +0.052% | 52 | |
8 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $234 | +0.041% | 49 | |
9 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $1,478 | +0.083% | 30 | |
10 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $2,164 | -0.521% | 28 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,533 | +0.242% | 153 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,951 | -0.060% | 73 | |
13 | Truist Bank | Strong | Strong | Strong | Sound | $416 | -0.010% | 33 | |
14 | The Huntington National Bank | Strong | Strong | Strong | Sound | $637 | +0.158% | 26 | |
15 | MIDFLORIDA | Strong | Strong | Sound | Strong | $1,185 | -0.222% | 26 | |
16 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,426 | +0.131% | 26 | |
17 | Third Federal Savings and Loan Association of Cleveland | Strong | Strong | Strong | Sound | $327 | -0.182% | 25 | |
18 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Strong | -$88 | -0.352% | 24 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,292 | +0.271% | 367 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,794 | +0.165% | 119 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,000 | +0.566% | 68 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,249 | +0.342% | 53 | |
23 | NEAL COMMUNITIES FUNDING, LLC | Strong | Sound | Strong | Strong | $675 | +0.858% | 31 | |
24 | UBS Bank USA | Strong | Strong | Sound | Sound | $954 | -0.001% | 23 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,003 | +0.643% | 490 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,024 | +0.415% | 99 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,297 | -0.018% | 27 | |
28 | The Central Trust Bank | Strong | Sound | Strong | Sound | $1,856 | +0.427% | 24 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $6,502 | +0.879% | 171 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,715 | +0.336% | 67 | |
31 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | $4,193 | +0.562% | 65 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,795 | +0.492% | 32 | |
33 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $1,342 | +0.149% | 32 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,627 | +0.375% | 26 | |
35 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $3,901 | +0.474% | 22 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,516 | +0.562% | 107 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,300 | +0.464% | 44 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $3,759 | +0.356% | 34 | |
39 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,489 | +0.932% | 33 | |
40 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $3,007 | +0.568% | 30 | |
41 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $2,249 | +0.615% | 26 | |
42 | Charles Schwab Bank, SSB | Sound | Acceptable | Strong | Sound | $908 | -0.174% | 24 | |
43 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,730 | +0.616% | 22 | |
44 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $2,954 | +0.485% | 20 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,633 | +0.935% | 34 | |
46 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Sound | Mediocre | Sound | Sound | $4,051 | +1.043% | 22 | |
47 | NP, INC. | Sound | Mediocre | Sound | Sound | $2,664 | +0.947% | 21 |
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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