Safe Rate Rankings

Best Mortgage Companie Lenders in Naples

Updated June 2, 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,705Fees	0.342%Above	438
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	$1,478Fees	0.083%Above	30
3	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,533Fees	0.242%Above	153
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,292Fees	0.271%Above	367
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,000Fees	0.566%Above	68
6	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,249Fees	0.342%Above	53
7	NEAL COMMUNITIES FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$675Fees	0.858%Above	31
8	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$5,003Fees	0.643%Above	490
9	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,024Fees	0.415%Above	99
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,297Fees	0.018%Below	27
11	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$6,502Fees	0.879%Above	171
12	Summit Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,193Fees	0.562%Above	65
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,795Fees	0.492%Above	32
14	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,342Fees	0.149%Above	32
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,627Fees	0.375%Above	26
16	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,901Fees	0.474%Above	22
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,516Fees	0.562%Above	107
18	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,300Fees	0.464%Above	44
19	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,759Fees	0.356%Above	34
20	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,489Fees	0.932%Above	33
21	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,007Fees	0.568%Above	30
22	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,730Fees	0.616%Above	22
23	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,954Fees	0.485%Above	20
24	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,633Fees	0.935%Above	34
25	ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$4,051Fees	1.043%Above	22
26	NP, INC.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	$2,664Fees	0.947%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.