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