Mortgage Lenders and Brokers in Sanibel, Florida
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Sanibel, Florida mortgage lenders include Sanibel Captiva Community BankSanibel Captiva Community Bank2406 Periwinkle Way, Sanibel, FL 33957A5.0 ★Texas Ratio: 8.97%, Wells Fargo Bank NAWells Fargo Bank NA2407 Palm Ridge Rd, Sanibel, FL 33957A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2441 Palm Ridge Rd, Sanibel, FL 33957A+5.0 ★Texas Ratio: 3.68%, Edison National BankEdison National Bank1699 Periwinkle Way, Sanibel, FL 33957A+5.0 ★Texas Ratio: 0.00%, Flagstar Bank NAFlagstar Bank NA20423 State Road 7, Boca Raton, FL 33498D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank8889 Pelican Bay Blvd, Naples, FL 34108A+5.0 ★Texas Ratio: 3.66%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, M&T BankM&T Bank850 Park Shore Drive, Naples, FL 34103A+5.0 ★Texas Ratio: 4.11%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, and First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%. 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 Sanibel, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sanibel 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 Sanibel, Florida
Market share is the lender's share of all home loans closed in Sanibel, 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 |
|---|---|---|---|---|---|---|
|
1 office in Sanibel 2406 Periwinkle Way, Sanibel, FL 33957 A5.0 ★Texas Ratio: 8.97% |
Conventional, Jumbo | 6 | 5% | 87.5% | $611,666 | View |
|
1 office in Sanibel 2407 Palm Ridge Rd, Sanibel, FL 33957 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 2.5% | 60% | $568,333 | View |
|
1 office in Sanibel 2441 Palm Ridge Rd, Sanibel, FL 33957 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 1.7% | 66.7% | $820,000 | View |
|
1 office in Sanibel 1699 Periwinkle Way, Sanibel, FL 33957 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 1.7% | 100% | $595,000 | View |
|
20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional | 3 | 2.5% | 60% | $301,666 | View |
|
8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 2 | 1.7% | 100% | $525,000 | View |
|
★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo | 2 | 1.7% | 100% | $680,000 | View |
|
850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $515,000 | View |
|
9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $655,000 | View |
|
★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.8% | 100% | $395,000 | View |
|
12830 University Dr, Fort Myers, FL 33907 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.8% | 100% | $475,000 | View |
|
360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.8% | 100% | $535,000 | View |
|
2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional, Jumbo | 1 | 0.8% | 100% | $2,205,000 | View |
|
10010 Coconut Rd, Bonita Springs, FL 34135 A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,135,000 | View |
|
101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.8% | 50% | $1,125,000 | View |
|
70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.8% | 100% | $565,000 | View |
|
★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,005,000 | View |
|
2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2524 Del Prado Blvd S, Cape Coral, FL 33904 A+5.0 ★Texas Ratio: 2.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.8% | 100% | $425,000 | View |
The Mortgage Warehouse, LLC
|
Conventional | 1 | 0.8% | 100% | $495,000 | |
Reliable Holdings Manager dba Lendz Financial
|
Conventional | 1 | 0.8% | 100% | $725,000 | |
FineMark National Bank & Trust
|
Conventional, Jumbo | 1 | 0.8% | 100% | $935,000 | |
Lake Michigan Credit Union
|
Conventional, Jumbo, HELOC | 34 +1 HELOCs |
28.3% | 97.2% | $730,882 | |
United Wholesale Mortgage
|
Conventional, Jumbo | 5 | 4.2% | 100% | $629,000 | |
Rocket Mortgage
|
Conventional | 5 | 4.2% | 50% | $481,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional | 3 | 2.5% | 100% | $555,000 | |
Pennymac Loan Services LLC
|
Conventional | 3 | 2.5% | 75% | $481,666 | |
Guaranteed Rate, Inc.
|
Conventional | 2 | 1.7% | 100% | $550,000 | |
|
A5.0 ★Texas Ratio: 6.69% |
Conventional, Jumbo | 2 | 1.7% | 100% | $860,000 | View |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 2 | 1.7% | 100% | $610,000 | View |
Arc Home LLC
|
Conventional, Jumbo | 1 | 0.8% | 50% | $1,765,000 | |
Genisys Credit Union
|
Conventional | 1 | 0.8% | 100% | $585,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,285,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.8% | 100% | $735,000 | |
|
A+5.0 ★Texas Ratio: 1.91% |
Conventional | 1 | 0.8% | 100% | $245,000 | View |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.8% | 100% | $755,000 | View |
Affordable Mortgage Advisors
|
Conventional | 1 | 0.8% | 100% | $555,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 0.8% | 100% | $785,000 | |
|
A+5.0 ★Texas Ratio: 5.29% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,055,000 | View |
Deephaven Mortgage LLC
|
Conventional | 1 | 0.8% | 100% | $715,000 | |
First State Bank of St Charles
|
Conventional | 1 | 0.8% | 100% | $365,000 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,675,000 | View |
Developer's Mortgage Company
|
Conventional | 1 | 0.8% | 100% | $165,000 | |
VanDyk Mortgage Corporation
|
Conventional | 1 | 0.8% | 100% | $455,000 | |
Beeline Loans, Inc.
|
Conventional | 1 | 0.8% | 100% | $715,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.8% | 100% | $635,000 | |
Mortgage Center LC
|
Conventional | 1 | 0.8% | 100% | $665,000 | |
|
A+5.0 ★Texas Ratio: 3.43% |
Conventional, Jumbo | 1 | 0.8% | 100% | $2,765,000 | View |
Synovus Bank
|
Conventional, Jumbo | 1 | 0.8% | 100% | $1,395,000 | |
|
A+5.0 ★Texas Ratio: 3.45% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,135,000 | View |
Citadel Servicing Corporation
|
Conventional | 1 | 0.8% | 100% | $465,000 | |
New American Funding, LLC.
|
Conventional, Jumbo | 1 | 0.8% | 100% | $2,785,000 | |
|
A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.8% | 100% | $795,000 | View |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.8% | 100% | $615,000 | View |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,395,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,615,000 | View |
Toyota Financial Savings Bank
|
Conventional, Jumbo | 1 | 0.8% | 100% | $1,015,000 | |
|
A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.8% | 100% | $805,000 | View |
Angel Oak Mortgage Solutions LLC
|
Conventional | 1 | 0.8% | 100% | $805,000 | |
|
A+5.0 ★Texas Ratio: 1.78% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,705,000 | View |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Sanibel 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 Sanibel, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Sanibel? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sanibel in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sanibel, FL
Use these to narrow the list above. Each category shows how many Sanibel, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Sanibel, FL
Independent mortgage companies closed 28.3 percent of home loans in Sanibel, Florida in 2025, banks 41.7 percent and credit unions 30 percent. The Mortgage Warehouse, LLC was the largest mortgage company, Sanibel Captiva Community Bank the largest bank and Lake Michigan Credit Union the largest credit union. Among lenders headquartered in Florida, Sanibel Captiva Community Bank led with 6 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 Sanibel, FL
By home loans closed in 2025, Sanibel Captiva Community Bank was the largest mortgage lender in Sanibel, Florida with 6 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 39 banks and 3 credit unions closed home loans in Sanibel, Florida in 2025, alongside 22 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 Sanibel, 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 Sanibel, 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 Sanibel. 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.
