Safe Rate Rankings

Best Mortgage Lenders in Punta Gorda

Updated February 5, 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 Lenders78

Total Loans3,909

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Suncoast Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$571Credit	0.785%Below	88
2	LAKE MICHIGAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	$1,650Fees	0.095%Below	82
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,161Fees	0.265%Above	495
4	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$959Fees	0.400%Below	40
5	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	$3,007Fees	0.060%Below	28
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,335Fees	0.017%Below	20
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,947Fees	0.256%Above	45
8	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$1,740Fees	0.148%Above	28
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,115Fees	0.281%Above	325
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,909Fees	0.111%Above	130
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,414Fees	0.375%Above	78
12	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,061Fees	0.752%Above	50
13	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,362Fees	0.204%Above	44
14	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,072Fees	0.434%Above	44
15	Regions BankBank	Strong	Sound	Strong	Strong	$2,213Fees	0.316%Above	39
16	THE MORTGAGE FIRM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,141Fees	0.614%Above	59
17	COASTAL LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,380Fees	0.004%Below	47
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$2,685Fees	0.260%Above	42
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,625Fees	0.562%Above	38
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,827Fees	0.608%Above	111
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,123Fees	0.489%Above	75
22	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,166Fees	0.237%Above	63
23	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,435Fees	0.541%Above	44
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,545Fees	0.365%Above	34
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,787Fees	0.422%Above	33
26	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,689Fees	0.421%Above	32
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,559Fees	0.488%Above	21
28	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,857Fees	0.303%Above	57
29	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,676Fees	0.555%Above	55
30	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,953Fees	0.685%Above	45
31	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,844Fees	0.225%Above	39
32	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,041Fees	0.826%Above	34
33	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,366Fees	0.403%Above	32
34	M/I FINANCIAL, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,329Fees	0.227%Above	26
35	Ixonia BankBank	Sound	Mediocre	Strong	Strong	$3,936Fees	0.439%Above	42
36	TJC Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	$4,299Fees	0.484%Above	28

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.