Top 3 Mortgage Lenders in Captiva

IberiaBank Mortgage, now part of First Horizon Bank, has been a dominant force in Southwest Florida mortgage lending for over two decades. They maintain exceptionally high customer satisfaction ratings with specialized expertise in luxury and coastal properties common in Captiva. Their local loan officers understand the unique requirements of barrier island properties, including flood insurance considerations and higher-value appraisals. With competitive jumbo loan programs and personalized service, they've built a reputation as one of the most trusted mortgage lenders serving Lee County's coastal communities.

Florida Community Bank has deep roots in Southwest Florida with specialized expertise in serving the unique mortgage needs of coastal communities like Captiva. They offer highly competitive construction and renovation loans, which are particularly valuable for the island's luxury properties. Their local underwriting team provides faster approvals and understands the specific challenges of waterfront lending. With strong relationships throughout Lee County and personalized service approach, they consistently receive high marks for customer satisfaction and competitive rate offerings for both primary residences and investment properties.

Paramount Bank has established itself as a premier mortgage lender for Southwest Florida's coastal communities, including Captiva Island. They specialize in higher-value properties and offer exceptional jumbo loan programs with competitive rates. Their local decision-making process allows for more flexible underwriting, which benefits unique property situations common on barrier islands. With strong expertise in second home and investment property financing, they're particularly well-suited for Captiva's real estate market. Customers consistently praise their responsive service, transparent communication, and ability to handle complex transactions efficiently.