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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 FHA Mortgage Lenders in Punta Gorda
Updated February 5, 2026
Market Overview
78
Total Lenders
3,909
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | Sound | $2,272 | -1.234% | 14 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,161 | +0.265% | 495 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,362 | +0.204% | 44 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,007 | -0.060% | 28 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,414 | +0.375% | 78 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,115 | +0.281% | 325 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,909 | +0.111% | 130 | |
8 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,166 | +0.237% | 63 | |
9 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.752% | 50 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,321 | -0.844% | 11 | |
11 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,141 | +0.614% | 59 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,857 | +0.303% | 57 | |
13 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,380 | -0.004% | 47 | |
14 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,844 | +0.225% | 39 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,366 | +0.403% | 32 | |
16 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,329 | +0.227% | 26 | |
17 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Sound | $4,227 | +0.494% | 18 | |
18 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,661 | +0.420% | 13 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,435 | +0.541% | 44 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,072 | +0.434% | 44 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,545 | +0.365% | 34 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,788 | +0.530% | 18 | |
23 | GRANITE BANK | Strong | Sound | Strong | Strong | Sound | $4,261 | +0.386% | 14 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,504 | +0.953% | 12 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,676 | +0.555% | 55 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,685 | +0.260% | 42 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,041 | +0.826% | 34 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,787 | +0.422% | 33 | |
29 | TJC Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,299 | +0.484% | 28 | |
30 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,845 | +0.109% | 16 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,742 | +1.006% | 14 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,453 | +0.415% | 13 | |
33 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,955 | +0.678% | 12 | |
34 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,504 | +0.420% | 11 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,827 | +0.608% | 111 | |
36 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,936 | +0.439% | 42 | |
37 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,010 | +0.855% | 19 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,949 | +0.431% | 11 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,953 | +0.685% | 45 | |
40 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,288 | +1.181% | 11 |
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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