# Best Conventional Mortgage Lenders in Naples

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

Compare the top Conventional mortgage lenders in Naples. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | U.S. Bank National Association | 85 | 75 | 69 | 95 | Bank |
| 3 | Suncoast Credit Union | 85 | 98 | 62 | 69 | Credit Union |
| 4 | Bank of America, National Association | 85 | 71 | 67 | 53 | Bank |
| 5 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 153 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 438 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 367 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 119 | Bank |
| 9 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 73 | Bank |
| 10 | Citizens Bank, National Association | 79 | 70 | 59 | 52 | Bank |
| 11 | Morgan Stanley Private Bank, National Association | 79 | 96 | 57 | 49 | Bank |
| 12 | Fifth Third Bank, National Association | 79 | 61 | 60 | 49 | Bank |
| 13 | Truist Bank | 79 | 71 | 69 | 33 | Bank |
| 14 | The Huntington National Bank | 79 | 63 | 75 | 26 | Bank |
| 15 | PNC Bank, National Association | 79 | 75 | 63 | 26 | Bank |
| 16 | Third Federal Savings and Loan Association of Cleveland | 79 | 71 | 63 | 25 | Bank |
| 17 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 28 | Credit Union |
| 18 | Citibank, National Association | 77 | 86 | 54 | 18 | Bank |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 490 | Independent Mortgage Company |
| 20 | NEAL COMMUNITIES FUNDING, LLC | 74 | 56 | 68 | 31 | Independent Mortgage Company |
| 21 | MIDFLORIDA | 74 | 62 | 56 | 26 | Credit Union |
| 22 | SPACE COAST CREDIT UNION | 74 | 77 | 59 | 24 | Credit Union |
| 23 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 68 | Independent Mortgage Company |
| 24 | Barrington Bank & Trust Company, National Association | 73 | 46 | 68 | 26 | Bank |
| 25 | The Central Trust Bank | 73 | 47 | 72 | 24 | Bank |
| 26 | Manufacturers and Traders Trust Company | 73 | 59 | 76 | 14 | Bank |
| 27 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 14 | Independent Mortgage Company |
| 28 | First Horizon Bank | 73 | 57 | 65 | 12 | Bank |
| 29 | NBKC BANK | 73 | 90 | 49 | 11 | Bank |
| 30 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 99 | Independent Mortgage Company |
| 31 | Flagstar Bank, N.A. | 71 | 34 | 72 | 67 | Bank |
| 32 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 53 | Independent Mortgage Company |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 69 | 44 | 64 | 32 | Independent Mortgage Company |
| 34 | Charles Schwab Bank, SSB | 69 | 45 | 73 | 24 | Bank |
| 35 | MATTAMY HOME FUNDING, LLC | 69 | 55 | 63 | 17 | Independent Mortgage Company |
| 36 | Bethpage Federal Credit Union | 69 | 73 | 51 | 11 | Credit Union |
| 37 | Raymond James Bank | 68 | 84 | 41 | 17 | Bank |
| 38 | Summit Mortgage Corporation | 67 | 30 | 64 | 65 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 107 | Independent Mortgage Company |
| 40 | NEWREZ LLC | 66 | 31 | 58 | 44 | Independent Mortgage Company |
| 41 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 29 | 63 | 34 | Independent Mortgage Company |
| 42 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 34 | Independent Mortgage Company |
| 43 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 33 | Independent Mortgage Company |
| 44 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 32 | Independent Mortgage Company |
| 45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 26 | Independent Mortgage Company |
| 46 | THE LOAN STORE, INC. | 66 | 39 | 71 | 22 | Independent Mortgage Company |
| 47 | T2 FINANCIAL LLC | 66 | 26 | 77 | 22 | Independent Mortgage Company |
| 48 | Regions Bank | 66 | 39 | 64 | 17 | Bank |
| 49 | LOWER, LLC | 66 | 33 | 66 | 15 | Independent Mortgage Company |
| 50 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 14 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.