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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Company Lenders in Panama City
Updated February 5, 2026
Market Overview
21
Total Lenders
2,093
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,443 | -0.066% | 99 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Sound | $723 | -0.174% | 25 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,028 | +0.026% | 287 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,999 | +0.263% | 263 | |
5 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | -$48 | +0.509% | 58 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,735 | +0.400% | 47 | |
7 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,889 | +0.428% | 47 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,811 | +0.292% | 38 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,873 | +0.317% | 30 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,275 | -0.039% | 20 | |
11 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$386 | +0.186% | 101 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,023 | +0.469% | 66 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,773 | +0.590% | 35 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,990 | +0.318% | 32 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,508 | +0.583% | 20 | |
16 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,464 | +0.455% | 60 | |
17 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,724 | +0.599% | 42 | |
18 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,812 | +0.441% | 24 | |
19 | American Mortgage Bank, LLC | Sound | Acceptable | Strong | Sound | $654 | -0.102% | 20 | |
20 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,388 | +0.516% | 20 | |
21 | LENDSURE MORTGAGE CORP. | Sound | Mediocre | Sound | Sound | $5,433 | +1.649% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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