# Best Mortgage Lenders in Naples

**As of:** 2026-05-23

Compare the top mortgage lenders in Naples. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/naples/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 80
- **Total Loans:** 4,495
- **Median Rate Spread:** 0.2586835443037975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 100 | 82 | 82 | 151 | Credit Union |
| 2 | Suncoast Credit Union | 86 | 98 | 61 | 69 | Credit Union |
| 3 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 49 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 438 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 80 | 75 | 71 | 95 | Bank |
| 6 | Bank of America, National Association | 80 | 73 | 75 | 53 | Bank |
| 7 | Citizens Bank, National Association | 80 | 69 | 62 | 52 | Bank |
| 8 | Fifth Third Bank, National Association | 80 | 62 | 62 | 49 | Bank |
| 9 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 153 | Independent Mortgage Company |
| 10 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 30 | Independent Mortgage Company |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 367 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 119 | Bank |
| 13 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 73 | Bank |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 68 | Independent Mortgage Company |
| 15 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 53 | Independent Mortgage Company |
| 16 | Truist Bank | 73 | 70 | 68 | 33 | Bank |
| 17 | NEAL COMMUNITIES FUNDING, LLC | 73 | 57 | 71 | 31 | Independent Mortgage Company |
| 18 | MIDFLORIDA | 73 | 62 | 44 | 26 | Credit Union |
| 19 | The Huntington National Bank | 73 | 61 | 75 | 26 | Bank |
| 20 | PNC Bank, National Association | 73 | 71 | 61 | 26 | Bank |
| 21 | Third Federal Savings and Loan Association of Cleveland | 73 | 71 | 64 | 25 | Bank |
| 22 | SPACE COAST CREDIT UNION | 73 | 75 | 57 | 24 | Credit Union |
| 23 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 28 | Credit Union |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 490 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 99 | Independent Mortgage Company |
| 26 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 27 | Independent Mortgage Company |
| 27 | The Central Trust Bank | 66 | 47 | 75 | 24 | Bank |
| 28 | UBS Bank USA | 66 | 66 | 50 | 23 | Bank |
| 29 | Flagstar Bank, N.A. | 63 | 40 | 76 | 67 | Bank |
| 30 | Summit Mortgage Corporation | 63 | 29 | 64 | 65 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 32 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 26 | Independent Mortgage Company |
| 33 | T2 FINANCIAL LLC | 62 | 26 | 86 | 22 | Independent Mortgage Company |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 60 | 42 | 55 | 32 | Independent Mortgage Company |
| 35 | AMERICAN PACIFIC MORTGAGE CORPORATION | 58 | 14 | 84 | 171 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 107 | Independent Mortgage Company |
| 37 | NEWREZ LLC | 58 | 35 | 59 | 44 | Independent Mortgage Company |
| 38 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 34 | Independent Mortgage Company |
| 39 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 33 | Independent Mortgage Company |
| 40 | Mortgage Research Center, LLC | 58 | 34 | 70 | 30 | Independent Mortgage Company |
| 41 | Barrington Bank & Trust Company, National Association | 58 | 36 | 69 | 26 | Bank |
| 42 | Charles Schwab Bank, SSB | 58 | 37 | 70 | 24 | Bank |
| 43 | THE LOAN STORE, INC. | 58 | 40 | 77 | 22 | Independent Mortgage Company |
| 44 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 20 | Independent Mortgage Company |
| 45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 46 | 17 | 75 | 34 | Independent Mortgage Company |
| 46 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 42 | 6 | 54 | 22 | Independent Mortgage Company |
| 47 | NP, INC. | 42 | 14 | 54 | 21 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Naples.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.