CPF Mortgage vs. loanDepot: Is loanDepot a Good Lender for a Florida Home Loan?
loanDepot wrote $1.9B in Florida in 2024. CPF Mortgage is a local broker with wholesale pricing. A sourced comparison, data breach and call queue included.
Close in 20 days or less.
Experience a streamlined mortgage process with a company you can trust. Licensed in Florida, Tennessee, Colorado and Georgia.
CPF Mortgage closes in as few as 20 days. The national average is 37 days.
Close in as few as 20 days
Get pre-approvedNo credit impact.
Prefer to talk with us? Call (727) 226-1040 Mortgage calculators
Licensed in four states Find your office Florida — our Trinity office Florida loans Colorado — Littleton office Colorado loans Georgia — licensed statewide Georgia loans Tennessee — Knoxville office Tennessee loans
Recognized as a Top United Wholesale Mortgage (UWM) Partner 2025
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Top 1%
UWM 2025
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Fastest Purchase Closer
UWM 2025
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Fastest Closer
UWM 2025
20 days is our goal, not a guarantee. National average: ICE Mortgage Technology, Mortgage Monitor, March 2026.
What happens next, and how long it takes.
From a complete application to closing, most CPF purchase loans close in 15 to 20 days. Here is every step in between.
Your part is short: a five-minute conversation, an application that takes 10 to 20 minutes, and a list of documents. Everything after that is ours.
- Five minutes
Tell us what you are trying to do
A pre-qualification, online or by phone. No credit pull is needed for an estimate.
- Within one business day
Get real options, not a rate sheet
A loan officer comes back with two or three programs that fit, with the costs and the trade-offs of each laid out side by side.
- Usually 24 to 48 hours
Pick one and get pre-approved
We verify income, assets and credit and issue a pre-approval letter you can shop with. It does not lock you into anything.
Appraisal, title and underwriting run in parallel. Our own team obtains, validates and quantifies the supporting documentation the underwriter will review — before the file is submitted, not after. That is why this stretch is as short as it is.
- 15 to 20 days in
Closing day
The underwriter issues a clear to close. Title, lender, agents and sellers agree a time, you sign, we fund, and the home is yours.
Get your custom quote
No credit impact.
Different teams work on your file, but your main points of contact stay the same from the first call to the closing table — and your loan officer gives you a realistic date for your file up front.
Our Services
Pick the one that sounds like you. Each opens the right next step — no starting over.
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Home Purchase Loans
Find a loan that fits your monthly budget and make your dream of homeownership a reality.
Start a purchase quote -
Fast Funding
Need a loan fast? Our fast funding options get you approval and funding in just a few days or less.
See loan options -
Refinance Rates
What current refinance rates mean for your monthly budget — extra financial wiggle room, or more equity.
Start a refinance quote -
Evaluate Your Property
Know where you stand. With a property evaluation in hand you understand your options and can feel confident about your next step.
Get your home value -
Rate Comparisons
Don’t just take the first offer — shop around to find the plan that fits your homeownership strategy.
Compare in the calculator -
Cash-Out Refinance
Take advantage of your home’s equity with a cash-out refinance. Replace your old mortgage with a new one and get some cash back.
Start a cash-out quote
Not sure where you fit? Get Your Free Custom Quote
Our Free Tools
- Free Quote Ready to take the next step? Get a custom quote within minutes to start your process.
- Mortgage Calculator Estimate your monthly mortgage payment, including taxes and insurance.
- Free Home Value Report Receive a free custom home value report for your specific property.
- Home Value Digest What is your home worth and how does that change over time? Keep up to date with our monthly home value digest delivered to your email.
Straight answers
on mortgages, home buying and refinancing — from the people who do it every day.
-
CPF Mortgage vs. Lennar Mortgage: Is the Builder Incentive Actually Worth It?
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CPF Mortgage vs. CrossCountry Mortgage: Which Florida Lender Should You Choose?
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What our clients say
First-time buyers, refinances, and people who shopped around first.
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I am incredibly impressed with Justin and everyone at CPF Mortgage. This was my first time buying a house and I was terrified. Justin and his team were there every step of the way to answer any and all questions I had and in a very timely manner.
Mindy Dixon First time buying a house -
The team at CPF were all knowledgeable and immediately responsive from the beginning of my loan application process through closing. I shopped around for interest rates and closing costs with other lenders (including my federal credit union) and there was no close comparison to the quality of service I experienced with CPF.
Jillian Stuper Shopped around first -
I cannot say enough incredible things about CPF Mortgage. The day I gave up on trying to purchase a home was the day they called me. I actually tried to cut off the conversation because I felt so disappointed. They asked me to listen and I am so glad I did. They were able to complete the underwriting process in a matter of days.
Katie Seeley Had given up on buying -
When our daily bank let us down with their ridiculous TO DO list in order to obtain a mortgage, CPF came to the rescue! Their on-line application was a breeze and CPF found us a mortgage lender with a competitive interest rate PLUS super fast service.
Anna Oles Came from a bank -
We recently refinanced our house to get a lower interest rate and I can’t say enough good things about CPF mortgage and the entire process. It has been so smooth and stress free.
Haley Klemczak Refinance -
I am a listing agent in Tampa, Fl and I have never had so much open communication with a lender in my life. These guys are awesome!
Nick Fitz Listing agent, Tampa
See Our Reviews
650+ Google reviews
Talk to someone who can actually answer.
No call centre, no script. Loan officers licensed in Florida, Georgia, Tennessee and Colorado.
Hi, I'm Justin. Tell me what you're after and I'll get this to the right person on my team.
Justin Kelly CEO · NMLS #333028
Get my free quote
No credit impact.
Prefer to talk with us?
(727) 226-1040 (303) 645-4615 (470) 682-4763 (865) 263-3724
Rings the office nearest you. Or send us a message.
