Mortgage lending in Cape Coral-Fort Myers, FL

23,138 mortgages were originated in the Cape Coral-Fort Myers, FL area in 2025, and here is what they cost.

Loans originated

23,138

Median rate

6.625%

Median lender fees

$7,953

The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.

Median loan amount

$285,000

Above the going rate (spread over APOR)

0.310

Paid discount points

42.1%

Received lender credits

26.1%

Purchases / refinances

65.7% / 19.4%

Conventional / FHA / VA

71.9% / 22.7% / 5.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.9% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Cape Coral-Fort Myers, FL area, ranked by volume.