☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Florida / Cape Coral

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Cape Coral, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Cape Coral, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3131 Ne Pine Island Rd, Cape Coral, FL 33909A+5.0 ★Texas Ratio: 3.68%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2724 Del Prado Blvd S, Cape Coral, FL 33904A+5.0 ★Texas Ratio: 3.22%, Regions BankRegions Bank1507 Cape Coral Pkwy E, Cape Coral, FL 33904A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA2307 Del Prado Blvd S, Cape Coral, FL 33990A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1707 Del Prado Blvd S, Cape Coral, FL 33990A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank2223 Del Prado Blvd S, Cape Coral, FL 33990A+5.0 ★Texas Ratio: 2.87%, First Horizon BankFirst Horizon Bank812 Del Prado Blvd S, Cape Coral, FL 33990A+5.0 ★Texas Ratio: 5.76%, IncrediblebankIncrediblebank2512 Skyline Blvd, Cape Coral, FL 33914A5.0 ★Texas Ratio: 7.72%, Busey BankBusey Bank2524 Del Prado Blvd S, Cape Coral, FL 33904A+5.0 ★Texas Ratio: 2.31%, and Suncoast Credit UnionSuncoast Credit Union1730 Cape Coral Pkwy W, Cape Coral, FL 33914A5.0 ★Texas Ratio: 6.26%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Cape Coral, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cape Coral are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Cape Coral, Florida

Market share is the lender's share of all home loans closed in Cape Coral, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 5 offices in Cape Coral 3131 Ne Pine Island Rd, Cape Coral, FL 33909 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo, HELOC	49 +5 HELOCs	0.9%	91.1%	$370,510	View
Fifth Third Bank, National Association 6 offices in Cape Coral 2724 Del Prado Blvd S, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, Jumbo, HELOC	35 +82 HELOCs	0.6%	58.1%	$323,285	View
Regions Bank 2 offices in Cape Coral 1507 Cape Coral Pkwy E, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	28 +24 HELOCs	0.5%	56.7%	$322,500	View
Wells Fargo Bank NA 5 offices in Cape Coral 2307 Del Prado Blvd S, Cape Coral, FL 33990 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	25	0.5%	59.5%	$279,400	View
Bank of America NA 3 offices in Cape Coral 1707 Del Prado Blvd S, Cape Coral, FL 33990 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	14 +53 HELOCs	0.3%	82.4%	$400,000	View
Truist Bank ★ 1 stars, 1 review 3 offices in Cape Coral 2223 Del Prado Blvd S, Cape Coral, FL 33990 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	7 +35 HELOCs	0.1%	70%	$275,000	View
First Horizon Bank ★ 5 stars, 1 review 2 offices in Cape Coral 812 Del Prado Blvd S, Cape Coral, FL 33990 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	6 +12 HELOCs	0.1%	85.7%	$291,666	View
Incrediblebank 2 offices in Cape Coral 2512 Skyline Blvd, Cape Coral, FL 33914 A5.0 ★Texas Ratio: 7.72%	Conventional	4	0.1%	57.1%	$210,000	View
Busey Bank 1 office in Cape Coral 2524 Del Prado Blvd S, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 2.31%	Conventional, HELOC	1 +8 HELOCs	0%	100%	$705,000	View
Suncoast Credit Union 1730 Cape Coral Pkwy W, Cape Coral, FL 33914 A5.0 ★Texas Ratio: 6.26%	Conventional, HELOC	111 +429 HELOCs	2%	78.3%	$301,396	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	19 +38 HELOCs	0.3%	44.2%	$136,052	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	16 +4 HELOCs	0.3%	57.1%	$430,000	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, FHA, HELOC	14 +10 HELOCs	0.3%	84.2%	$268,571	View
American Momentum Bank 1001 S Fort Harrison Ave, Clearwater, FL 33756 A5.0 ★Texas Ratio: 12.55%	Conventional	12	0.2%	85.7%	$400,833	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	11 +2 HELOCs	0.2%	61.1%	$316,818	View
Achieva Credit Union 2127 Del Prado Blvd S, Cape Coral, FL 33990 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	9 +29 HELOCs	0.2%	100%	$192,777	View
Midflorida Credit Union ★ 1 stars, 1 review 804 Cape Coral Pkwy E, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 3.18%	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.2%	41.7%	$373,888	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	7 +11 HELOCs	0.1%	87.5%	$413,571	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA, Jumbo, HELOC	7 +1 HELOCs	0.1%	87.5%	$486,428	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	7	0.1%	100%	$472,142	View
Sanibel Captiva Community Bank 1533 Hendry St, Fort Myers, FL 33901 A5.0 ★Texas Ratio: 8.97%	Conventional, Jumbo	7	0.1%	87.5%	$542,142	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, Jumbo, HELOC	6 +19 HELOCs	0.1%	75%	$533,333	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	5	0.1%	100%	$483,000	View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	Conventional, FHA, HELOC	4 +1 HELOCs	0.1%	57.1%	$352,500	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional, Jumbo	4	0.1%	100%	$530,000	View
Centennial Bank 22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA	4	0.1%	80%	$335,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	3 +12 HELOCs	0.1%	60%	$238,333	View
Crews Bank & Trust 400 N Brevard Ave, Arcadia, FL 34266 A+5.0 ★Texas Ratio: 0.31%	Conventional, Jumbo	3	0.1%	75%	$615,000	View
Keybank National Association 12830 University Dr, Fort Myers, FL 33907 A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo	3	0.1%	100%	$551,666	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional, FHA	3	0.1%	100%	$318,333
Firstbank 2990 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.76%	Conventional	2	0%	100%	$245,000	View
Helm Bank USA 999 Brickell Ave, Miami, FL 33131 A5.0 ★Texas Ratio: 10.01%	Conventional, Jumbo	2	0%	100%	$665,000	View
Addition Financial Credit Union 847 S Orange Blossom Trl, Apopka, FL 32703 A5.0 ★Texas Ratio: 6.85%	Conventional	2	0%	100%	$275,000	View
Commerce Bank 10010 Coconut Rd, Bonita Springs, FL 34135 A+5.0 ★Texas Ratio: 0.89%	Conventional	2	0%	100%	$345,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0%	66.7%	$365,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional	2	0%	100%	$390,000	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0%	66.7%	$595,000	View
Trustco Bank ★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +3 HELOCs	0%	50%	$335,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, HELOC	1 +3 HELOCs	0%	50%	$125,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$275,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$605,000	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$115,000	View
CIBC Bank USA 340 Royal Palm Way, Palm Beach, FL 33480 A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0%	100%	$355,000	View
Bny Mellon, N.A. 350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0%	100%	$605,000	View
First Bank 325 S Main St, Belle Glade, FL 33430 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	50%	$45,000	View
Freedom Mortgage Corporation	Conventional, FHA, VA	90	1.6%	79.2%	$351,444
Lennar Mortgage, LLC	Conventional, FHA, VA	45	0.8%	61.6%	$313,888
Coastal Loans, LLC	Conventional, FHA, VA	27	0.5%	84.4%	$324,629
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	21	0.4%	84.6%	$395,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	16	0.3%	42.6%	$298,750
The Mortgage Warehouse, LLC	Conventional, FHA, VA	12	0.2%	92.3%	$317,500
Acrisure Mortgage, LLC	Conventional, FHA	11	0.2%	84.6%	$345,909
American Bancshares Mortgage, LLC	Conventional, FHA, VA	10	0.2%	100%	$317,000
Nqm Funding, LLC	Conventional	9	0.2%	100%	$418,333
PHH Mortgage Corporation	Conventional, FHA, VA	8	0.1%	80%	$321,250
New Day Financial, LLC.	VA	8	0.1%	38.1%	$365,000
FineMark National Bank & Trust	Conventional, Jumbo	8	0.1%	100%	$406,250
Reliable Holdings Manager dba Lendz Financial	Conventional	5	0.1%	100%	$245,000
Mortgage300 Corporation	Conventional, FHA	4	0.1%	80%	$292,500
Home Financing Center, Inc.	FHA	4	0.1%	100%	$297,500
Ready Mortgage Lenders, LLC	FHA	3	0.1%	37.5%	$288,333
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	2	0%	100%	$190,000
First Equity Mortgage Bankers Inc.	Conventional	2	0%	100%	$325,000
Obsidian Financial Services	FHA	2	0%	100%	$350,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0%	100%	$195,000	View
Taylor Morrison Home Funding, Inc.	Conventional	1	0%	100%	$355,000
Milo Credit, LLC	Conventional	1	0%	100%	$375,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	755 +6 HELOCs	13.7%	84.3%	$345,410
Rocket Mortgage	Conventional, FHA, VA, Jumbo	555	10%	76.9%	$272,135
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	379 +2 HELOCs	6.9%	79.9%	$270,963
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	177 +4 HELOCs	3.2%	93.3%	$353,022
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	147	2.7%	80%	$305,884
DHI Mortgage Company, LTD.	Conventional, FHA, VA	144	2.6%	82%	$339,444
Mortgage 1 Incorporated	Conventional, FHA, VA	110	2%	97.6%	$328,909
American Pacific Mortgage Corporation	Conventional, FHA, Jumbo	109	2%	94.8%	$331,880
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	101	1.8%	97.1%	$337,178
Lake Michigan Credit Union	Conventional, FHA, VA, Jumbo, HELOC	85 +46 HELOCs	1.5%	86.1%	$453,470
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	75	1.4%	76%	$371,266
Mortgage Research Center	Conventional, FHA, VA, Jumbo	72	1.3%	72.3%	$359,861
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	71 +3 HELOCs	1.3%	94.3%	$299,366
New American Funding, LLC.	Conventional, FHA, VA, HELOC	63 +2 HELOCs	1.1%	87.5%	$290,238
The Loan Store, Inc	Conventional, FHA, Jumbo, HELOC	61 +15 HELOCs	1.1%	87.3%	$395,327
Everett Financial, Inc.	Conventional, FHA, VA, HELOC	52 +5 HELOCs	0.9%	86.7%	$313,076
Click n' Close, Inc.	Conventional, FHA	52	0.9%	94.5%	$246,346
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	50	0.9%	48.6%	$297,600	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	49 +4 HELOCs	0.9%	83.1%	$351,326
Embrace Home Loans, Inc.	Conventional, FHA, VA	47	0.8%	92.2%	$294,361
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA, HELOC	46 +1 HELOCs	0.8%	88.7%	$353,478	View
Nationstar Mortgage	Conventional, FHA, VA	46	0.8%	76.7%	$193,695
Pulte Mortgage LLC	Conventional, FHA, VA	46	0.8%	74.2%	$232,608
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	43 +15 HELOCs	0.8%	68.8%	$260,813
Zillow Home Loans, LLC	Conventional, FHA, VA	38	0.7%	95%	$363,684
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA, Jumbo	31	0.6%	91.4%	$310,161	View
American Financial Network, Inc.	Conventional, FHA, VA, Jumbo	31	0.6%	91.2%	$383,709
VanDyk Mortgage Corporation	Conventional, FHA, VA	31	0.6%	93.9%	$317,903
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	24	0.4%	100%	$282,500
RMC Home Mortgage, LLC	Conventional, FHA, VA	24	0.4%	96%	$327,083
Guild Mortgage Company	Conventional, FHA, VA	23	0.4%	73.5%	$279,347
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, Jumbo, HELOC	21 +1 HELOCs	0.4%	81.2%	$369,761	View
Union Home Mortgage Corp.	Conventional, FHA, VA, Jumbo, HELOC	21 +1 HELOCs	0.4%	77.8%	$386,428
Equity Prime Mortgage LLC	Conventional, FHA, VA	21	0.4%	84%	$309,761
Securitynational Mortgage Company	Conventional, FHA	20	0.4%	83.3%	$289,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, VA	19	0.3%	100%	$371,842	View
Champions Funding, LLC	Conventional	19	0.3%	90.5%	$253,947
Spring Eq, LLC	Conventional, HELOC	17 +7 HELOCs	0.3%	21%	$76,176
Point Mortgage Corp	Conventional, FHA	17	0.3%	100%	$299,705
Amerisave Mortgage Company	Conventional, FHA, HELOC	16 +1 HELOCs	0.3%	22%	$155,000
American Financial Resources LLC	Conventional, FHA, VA	16	0.3%	88.9%	$297,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	16	0.3%	84.6%	$308,125	View
Cardinal Financial Company, Li	Conventional, FHA, VA	16	0.3%	90.5%	$311,875
Waterstone Mortgage Corporation	Conventional, FHA	16	0.3%	72.7%	$273,125
Village Capital & Investment	FHA, VA	16	0.3%	82.5%	$385,625
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	15	0.3%	80.8%	$215,666
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	15	0.3%	83.3%	$327,666	View
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	14 +19 HELOCs	0.3%	73.7%	$330,714
First Community Mortgage, Inc.	Conventional, FHA	14	0.3%	93.8%	$357,857
Geneva Financial LLC	Conventional, FHA	14	0.3%	100%	$301,428
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	14	0.3%	93.8%	$338,571
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional, FHA, Jumbo	14	0.3%	100%	$391,428
Provident Funding Associates	Conventional	14	0.3%	93.3%	$370,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	14	0.3%	93.8%	$479,285
Plaza Home Mortgage, Inc	Conventional, FHA, Jumbo	14	0.3%	73.7%	$325,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, Jumbo	14	0.3%	93.3%	$411,428
Gershman Investment Corp.	Conventional, FHA	14	0.3%	87.5%	$248,571
Better Mortgage Corporation	Conventional, FHA, HELOC	13 +4 HELOCs	0.2%	61.9%	$338,846
My Mortgage, Inc	Conventional, FHA	13	0.2%	100%	$355,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	13	0.2%	41.5%	$283,461	View
Ameritrust Mortgage Corporation	Conventional, FHA	12	0.2%	85.7%	$384,166
Tjc Mortgage Inc	Conventional, FHA, VA	11	0.2%	91.7%	$272,272
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	11	0.2%	80%	$379,545
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional, Jumbo, HELOC	10 +2 HELOCs	0.2%	90.9%	$578,000	View
Discover Bank	Conventional	10	0.2%	16.1%	$71,000
Planet Home Lending, LLC	Conventional, FHA, VA	10	0.2%	83.3%	$332,000
Citadel Servicing Corporation	Conventional	10	0.2%	100%	$345,000
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	10	0.2%	90.9%	$355,000
JMAC Lending, Inc.	Conventional, FHA	10	0.2%	90.9%	$351,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	9	0.2%	90.9%	$360,555
Sun West Mortgage Company, Inc	Conventional, FHA, VA	9	0.2%	86.7%	$327,222
Absolute Home Mortgage	Conventional, FHA	9	0.2%	90%	$349,444
Nfm, Inc	Conventional, FHA	9	0.2%	100%	$273,888
1st Financial, Inc.	Conventional, FHA	9	0.2%	100%	$313,888
Inspire Home Loans Inc.	FHA	9	0.2%	58.8%	$287,222
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	9	0.2%	81.8%	$305,000	View
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	9	0.2%	100%	$471,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	9	0.2%	45%	$310,555	View
Filo Mortgage, LLC	Conventional, FHA	8	0.1%	90%	$312,500
Deephaven Mortgage LLC	Conventional	8	0.1%	66.7%	$293,750
ResMac Inc	Conventional	8	0.1%	100%	$250,000
Stockton Mortgage Corporation	Conventional, FHA, VA	8	0.1%	100%	$325,000
Primary Residential Mortgage, INC.	Conventional, FHA	7	0.1%	100%	$270,714
Goodleap, LLC	Conventional, FHA	7	0.1%	77.8%	$239,285
AdvantageFirst Lending Inc	FHA, VA	7	0.1%	50%	$297,857
AmWest Funding Corp	Conventional, FHA	7	0.1%	77.8%	$379,285
HomeXpress Mortgage Corp.	Conventional, FHA	7	0.1%	53.8%	$363,571
Stg Mortgage Inc	Conventional, FHA	7	0.1%	87.5%	$396,428
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	7	0.1%	50%	$447,857	View
BoxCar Mortgage, LLC	Conventional, FHA, VA	7	0.1%	100%	$393,571
Hometown Equity Mortgage, LLC	Conventional, FHA	7	0.1%	46.7%	$293,571
Lendsure Mortgage Corp.	Conventional, Jumbo	7	0.1%	77.8%	$447,857
Mutual of Omaha Mortgage	Conventional, FHA, VA	7	0.1%	53.8%	$309,285
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	7	0.1%	63.6%	$90,714	View
Top Flite Financial, Inc.	Conventional, FHA	7	0.1%	87.5%	$177,857
EMM Loans LLC	Conventional, FHA	6	0.1%	75%	$380,000
Hartford Funding, Ltd.	Conventional, FHA, Jumbo	6	0.1%	85.7%	$471,666
Primelending	Conventional, FHA, VA	6	0.1%	77.8%	$383,333
Gvc Mortgage, Inc.	Conventional, FHA	6	0.1%	100%	$296,666
Resicentral LLC	Conventional	6	0.1%	100%	$325,000
Bay Equity LLC	Conventional, FHA	6	0.1%	100%	$360,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	6	0.1%	100%	$408,333	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.1%	100%	$1,193,333	View
Arc Home LLC	Conventional, Jumbo	5	0.1%	62.5%	$525,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional, FHA, VA	5	0.1%	100%	$407,000	View
First Colony Mortgage Corporat	Conventional	5	0.1%	83.3%	$341,000
Mid-Continent Funding, Inc.	VA	5	0.1%	85.7%	$425,000
Premium Mortgage Corporation	Conventional, FHA	5	0.1%	100%	$343,000
The Equitable Mortgage Corporation	Conventional, VA	5	0.1%	83.3%	$371,000
Nations Lending Corporation	Conventional	5	0.1%	100%	$309,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, VA	5	0.1%	85.7%	$445,000	View
Mortgage Solutions of Colorado	VA	5	0.1%	100%	$383,000
Summit Mortgage Corporation	Conventional, FHA	5	0.1%	83.3%	$351,000
ClearEdge Lending LLC	Conventional	5	0.1%	71.4%	$343,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	5	0.1%	71.4%	$335,000	View
Nexera Holding LLC	Conventional	5	0.1%	71.4%	$383,000
Tomo Mortgage LLC	Conventional, FHA	5	0.1%	100%	$347,000
Cake Mortgage Corp.	Conventional, FHA	5	0.1%	100%	$343,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	5	0.1%	100%	$341,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, VA, Jumbo, HELOC	4 +1 HELOCs	0.1%	100%	$772,500	View
Guaranteed Rate Affinity, LLC	Conventional, VA, Jumbo	4	0.1%	100%	$567,500
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	4	0.1%	100%	$267,500
American Financing Corporation	Conventional, FHA, Jumbo	4	0.1%	42.9%	$432,500
Total Mortgage Services, LLC	Conventional, FHA	4	0.1%	100%	$287,500
First National Community Bank A+5.0 ★Texas Ratio: 1.08%	Conventional	4	0.1%	100%	$337,500	View
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	4	0.1%	100%	$352,500	View
Intelliloan, Inc.	FHA	4	0.1%	100%	$342,500
Right Start Mortgage, Inc	Conventional, FHA, VA	4	0.1%	100%	$355,000
RBC Bank (Georgia), N.A.	Conventional, Jumbo	4	0.1%	100%	$722,500
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	0.1%	100%	$1,190,000	View
Loan Simple, Inc.	Conventional, FHA	4	0.1%	80%	$225,000
Wings Financial Credit Union	Conventional, HELOC	3 +1 HELOCs	0.1%	85.7%	$365,000
Royal United Mortgage LLC	Conventional, FHA	3	0.1%	100%	$198,333
SWBC Mortgage Corporation	Conventional, VA	3	0.1%	100%	$431,666
Contour Mortgage Corporation	Conventional, FHA, VA	3	0.1%	100%	$328,333
Go Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$251,666
Sage Home Loans Corporation	Conventional	3	0.1%	50%	$278,333
All Credit Considered Mortgage, Inc.	Conventional	3	0.1%	75%	$411,666
Loanunited.Com, LLC	FHA, VA	3	0.1%	60%	$475,000
City Lending Inc. A+5.0 ★Texas Ratio: 1.71%	Conventional, FHA	3	0.1%	100%	$285,000	View
Acre Mortgage & Financial, Inc.	Conventional, FHA	3	0.1%	75%	$338,333
Flat Branch Mortgage, Inc.	Conventional	3	0.1%	100%	$465,000
Calcon Mutual Mortgage LLC	Conventional	3	0.1%	100%	$305,000
Capital Center LLC	Conventional, VA	3	0.1%	75%	$311,666
Churchill Mortgage Corporation	Conventional, FHA	3	0.1%	100%	$375,000
Peoples Mortgage Company	Conventional	3	0.1%	100%	$331,666
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	3	0.1%	100%	$648,333	View
Genway Home Mortgage, Inc.	FHA	3	0.1%	60%	$411,666
Geo-Corp, Inc.	FHA	3	0.1%	75%	$348,333
Logan Finance Corporation	Conventional, Jumbo	3	0.1%	100%	$641,666
Nations Direct Mortgage, LLC	Conventional, FHA	3	0.1%	75%	$291,666
BankORION A5.0 ★Texas Ratio: 9.12%	Conventional	3	0.1%	100%	$311,666	View
Liberty Home Mortgage Corp	Conventional, FHA	3	0.1%	60%	$391,666
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	3	0.1%	100%	$518,333	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	3	0.1%	100%	$301,666	View
Vista Point Mortgage, LLC	Conventional	3	0.1%	75%	$315,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	2 +4 HELOCs	0%	50%	$375,000
Msu Federal Credit Union	Conventional, HELOC	2 +2 HELOCs	0%	100%	$110,000
DFCU Financial	Conventional, HELOC	2 +2 HELOCs	0%	100%	$530,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$595,000	View
Oaktree Funding Corp	Conventional, HELOC	2 +1 HELOCs	0%	100%	$415,000
Blaze Credit Union	Conventional, HELOC	2 +1 HELOCs	0%	100%	$415,000
Genisys Credit Union	Conventional	2	0%	66.7%	$560,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0%	66.7%	$475,000	View
Ruoff Mortgage Company	Conventional	2	0%	100%	$545,000
Premier Mortgage Resources, LLC	FHA	2	0%	100%	$350,000
American Airlines Federal Cred	Conventional	2	0%	100%	$290,000
Affordable Mortgage Advisors	Conventional	2	0%	100%	$290,000
Merchants Bank, National Association A+5.0 ★Texas Ratio: 3.28%	Conventional	2	0%	100%	$370,000	View
Canopy Mortgage, LLC	Conventional, FHA	2	0%	66.7%	$280,000
Nbkc Bank	Conventional	2	0%	50%	$525,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	2	0%	100%	$275,000	View
Usalliance Federal Credit Union	Conventional	2	0%	100%	$280,000
Valley West Corporation	FHA	2	0%	100%	$305,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	2	0%	100%	$520,000
Success Mortgage Partners, Inc	Conventional	2	0%	100%	$260,000
Bayshore Mortgage Funding	Conventional, FHA	2	0%	100%	$360,000
Saco Valley Credit Union	Conventional	2	0%	100%	$235,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	2	0%	66.7%	$275,000
Flexpoint, Inc.	Conventional	2	0%	100%	$295,000
Network Capital Funding Corporation	Conventional	2	0%	66.7%	$355,000
American Federal Mortgage Corporation	Conventional, FHA	2	0%	100%	$250,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	2	0%	100%	$270,000	View
Premier Lending Inc.	Conventional, FHA	2	0%	100%	$285,000
T2 Financial LLC	Conventional, VA	2	0%	100%	$520,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0%	100%	$360,000
Union Savings Bank	Conventional	2	0%	100%	$275,000
Mercantile Bank A+5.0 ★Texas Ratio: 0.63%	Conventional	2	0%	100%	$350,000	View
Morton Community Bank A+5.0 ★Texas Ratio: 5.85%	Conventional	2	0%	100%	$395,000	View
Towne Mortgage Company	Conventional, FHA	2	0%	100%	$125,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0%	100%	$245,000	View
Pike Creek Mortgage Services, Inc.	Conventional	2	0%	100%	$260,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	2	0%	100%	$315,000	View
Stock Yards Bank & Trust Company A+5.0 ★Texas Ratio: 1.99%	Conventional, Jumbo	2	0%	100%	$690,000	View
First Merchants Bank A+5.0 ★Texas Ratio: 4.12%	Conventional	2	0%	100%	$350,000	View
Horizon Bank A+5.0 ★Texas Ratio: 4.40%	Conventional	2	0%	100%	$310,000	View
Bank Ozk	Conventional, HELOC	1 +9 HELOCs	0%	50%	$735,000
Synovus Bank	Conventional, HELOC	1 +7 HELOCs	0%	100%	$175,000
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$275,000	View
Firstrust Savings Bank	Conventional, HELOC	1 +1 HELOCs	0%	100%	$85,000
Citizens Equity First Credit U	Conventional, HELOC	1 +1 HELOCs	0%	100%	$155,000
SSB Bank B-4.4 ★Texas Ratio: 22.34%	Conventional	1	0%	100%	$395,000	View
United Bank Va A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	100%	$375,000	View
Equity Resources Inc	Conventional	1	0%	100%	$115,000
Originpoint, LLC	Conventional	1	0%	50%	$145,000
American Portfolio Mortgage Corporation	FHA	1	0%	100%	$275,000
Sharefax Credit Union	Conventional	1	0%	100%	$205,000
Arbor Bank A5.0 ★Texas Ratio: 10.07%	Conventional	1	0%	100%	$405,000	View
Residential Wholesale Mortgage	Conventional	1	0%	100%	$315,000
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0%	50%	$565,000	View
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	Conventional	1	0%	100%	$285,000	View
Security First Bank of North Dakota A+5.0 ★Texas Ratio: 5.78%	Conventional	1	0%	100%	$375,000	View
First National Bank of Grayson	Conventional	1	0%	100%	$635,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0%	100%	$245,000	View
MortgageOne, Inc	VA	1	0%	100%	$295,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$365,000
Watermark Capital, Inc.	FHA	1	0%	100%	$265,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$355,000
Bank of Clarke A5.0 ★Texas Ratio: 7.27%	Conventional	1	0%	100%	$65,000	View
Norwich Commercial Group Inc	Conventional	1	0%	33.3%	$235,000
First National Bank of Brookfield A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$245,000	View
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0%	100%	$195,000	View
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0%	100%	$325,000	View
Dart Bank	Conventional	1	0%	100%	$355,000
Fcb Banks A5.0 ★Texas Ratio: 7.31%	VA	1	0%	100%	$325,000	View
United Trust Bank	VA, Jumbo	1	0%	100%	$845,000
Bond Street Mortgage, LLC	FHA	1	0%	100%	$345,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0%	100%	$675,000	View
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0%	100%	$305,000	View
Emporium Tpo LLC	Conventional	1	0%	100%	$435,000
Synergy One Lending, Inc.	Conventional	1	0%	100%	$235,000
Consumers Federal Credit Union	Conventional	1	0%	100%	$505,000
Diamond Residential Mtg Corp	Conventional	1	0%	100%	$305,000

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Cape Coral Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Cape Coral, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Cape Coral? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cape Coral in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Cape Coral, FL

Use these to narrow the list above. Each category shows how many Cape Coral, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 184 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 92 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 144 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 83 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 52 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 37 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Cape Coral, FL

Independent mortgage companies closed 83.4 percent of home loans in Cape Coral, Florida in 2025, banks 10.7 percent and credit unions 5.9 percent. Freedom Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Suncoast Credit Union the largest credit union. Among lenders headquartered in Florida, Suncoast Credit Union led with 111 loans.

83.4%

Mortgage companies

10.7%

Banks

5.9%

Credit unions

33%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders Wesley Chapel 255 lenders

Frequently Asked Questions About Mortgage Lenders in Cape Coral, FL

Who is the largest mortgage lender in Cape Coral, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Cape Coral, Florida with 49 loans, about 0.9 percent of the market. The largest lender headquartered in Florida was Suncoast Credit Union with 111 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Cape Coral, FL have the highest approval rates?

Among lenders with meaningful volume in Cape Coral, Florida, Mortgage 1 Incorporated approved the highest share of completed applications in 2025 at 97.6 percent, against a 78.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Cape Coral, FL mortgage lenders offer FHA, VA and USDA loans?

144 lenders closed FHA loans in Cape Coral, Florida in 2025, led by United Wholesale Mortgage with 313. 83 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Cape Coral, FL lender list?

Yes. 92 banks and 24 credit unions closed home loans in Cape Coral, Florida in 2025, alongside 184 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Cape Coral, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Cape Coral, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cape Coral, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cape Coral. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.