Mortgage Lenders and Brokers in Captiva, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Captiva, Florida mortgage lenders include CIBC Bank USACIBC Bank USA340 Royal Palm Way, Palm Beach, FL 33480A+5.0 ★Texas Ratio: 5.05%, Commerce BankCommerce Bank10010 Coconut Rd, Bonita Springs, FL 34135A+5.0 ★Texas Ratio: 0.89%, Valley National BankValley National Bank19495 Biscayne Blvd, Aventura, FL 33180A+5.0 ★Texas Ratio: 5.76%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, Centennial BankCentennial Bank22 Avenue E, Apalachicola, FL 32320A+5.0 ★Texas Ratio: 3.14%, FineMark National Bank & TrustFineMark National Bank & TrustFort Myers, FL, Lake Michigan Credit Union, Rocket Mortgage, Lower, LLCLower, LLCA-4.9 ★Texas Ratio: 16.71%, and Liberty Federal Credit UnionLiberty Federal Credit UnionA+5.0 ★Texas Ratio: 0.12%. 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 Captiva, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Captiva 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 Captiva, Florida
Market share is the lender's share of all home loans closed in Captiva, 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 |
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340 Royal Palm Way, Palm Beach, FL 33480 A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 4.5% | 100% | $3,875,000 | View |
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10010 Coconut Rd, Bonita Springs, FL 34135 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 4.5% | 100% | $705,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 4.5% | 100% | $505,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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22 Avenue E, Apalachicola, FL 32320 A+5.0 ★Texas Ratio: 3.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
FineMark National Bank & Trust
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Conventional | 1 | 4.5% | 100% | $355,000 | |
Lake Michigan Credit Union
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Conventional | 3 | 13.6% | 100% | $525,000 | |
Rocket Mortgage
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Conventional, Jumbo | 2 | 9.1% | 66.7% | $1,045,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 2 | 9.1% | 100% | $485,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional, Jumbo | 1 | 4.5% | 100% | $815,000 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 4.5% | 100% | $785,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 4.5% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 4.5% | 100% | $635,000 | View |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional, Jumbo | 1 | 4.5% | 100% | $1,405,000 | View |
Warshaw Capital, LLC
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Conventional | 1 | 4.5% | 100% | $805,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 4.5% | 100% | $475,000 | View |
DFCU Financial
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Conventional | 1 | 4.5% | 100% | $525,000 | |
First National Bank of Michigan
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Conventional, Jumbo | 1 | 4.5% | 100% | $1,005,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 4.5% | 100% | $2,105,000 | View |
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A5.0 ★Texas Ratio: 10.52% |
Conventional | 1 | 4.5% | 100% | $745,000 | View |
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Captiva Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Captiva, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Captiva? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Captiva in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Captiva, FL
Use these to narrow the list above. Each category shows how many Captiva, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Captiva, FL
Independent mortgage companies closed 36.4 percent of home loans in Captiva, Florida in 2025, banks 40.9 percent and credit unions 22.7 percent. Rocket Mortgage was the largest mortgage company, CIBC Bank USA the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Florida, FineMark National Bank & Trust led with 1 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
Frequently Asked Questions About Mortgage Lenders in Captiva, FL
By home loans closed in 2025, CIBC Bank USA was the largest mortgage lender in Captiva, Florida with 1 loans, about 4.5 percent of the market. The largest lender headquartered in Florida was FineMark National Bank & Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 13 banks and 3 credit unions closed home loans in Captiva, Florida in 2025, alongside 6 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.
Lenders are ranked only by the number of home loans they closed in Captiva, 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 Captiva, 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 Captiva. 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.
