Safe Rate Rankings

Best Conventional Mortgage Lenders in Naples

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders80

Total Loans4,495

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LAKE MICHIGAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,480Fees	0.054%Below	151
2	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Strong	$552Credit	0.874%Below	69
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$683Fees	0.069%Above	95
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,546Fees	0.319%Below	53
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$366Fees	0.410%Below	49
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,164Fees	0.521%Below	28
7	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,033Fees	0.353%Below	18
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,533Fees	0.242%Above	153
9	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,951Fees	0.060%Below	73
10	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,422Fees	0.052%Above	52
11	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$234Fees	0.041%Above	49
12	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$416Fees	0.010%Below	33
13	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$637Fees	0.158%Above	26
14	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,426Fees	0.131%Above	26
15	Third Federal Savings and Loan Association of ClevelandBank	Exceptional	Strong	Exceptional	Strong	Sound	$327Fees	0.182%Below	25
16	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$13Credit	0.411%Below	11
17	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,705Fees	0.342%Above	438
18	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,292Fees	0.271%Above	367
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,794Fees	0.165%Above	119
20	MIDFLORIDACredit Union	Strong	Strong	Strong	Sound	Strong	$1,185Fees	0.222%Below	26
21	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$88Credit	0.352%Below	24
22	Raymond James BankBank	Strong	Exceptional	Sound	Sound	Sound	$111Credit	0.364%Below	17
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,003Fees	0.643%Above	490
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,000Fees	0.566%Above	68
25	NEAL COMMUNITIES FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$675Fees	0.858%Above	31
26	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,249Fees	0.615%Above	26
27	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,856Fees	0.427%Above	24
28	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$1,005Fees	0.053%Below	14
29	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,039Fees	0.245%Above	14
30	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$634Fees	0.164%Above	12
31	Bethpage Federal Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$752Fees	0.251%Below	11
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,024Fees	0.415%Above	99
33	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,715Fees	0.336%Above	67
34	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,249Fees	0.342%Above	53
35	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,342Fees	0.149%Above	32
36	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$908Fees	0.174%Below	24
37	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,516Fees	0.562%Above	107
38	Summit Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,193Fees	0.562%Above	65
39	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,300Fees	0.464%Above	44
40	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,759Fees	0.356%Above	34
41	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,633Fees	0.935%Above	34
42	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,489Fees	0.932%Above	33
43	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,795Fees	0.492%Above	32
44	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,627Fees	0.375%Above	26
45	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,730Fees	0.616%Above	22
46	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,901Fees	0.474%Above	22
47	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,367Fees	0.344%Above	17
48	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,668Fees	0.559%Above	15
49	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,558Fees	0.480%Above	14

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.