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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 Lenders in Pensacola
Updated February 5, 2026
Market Overview
105
Total Lenders
7,677
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | -$77 | -0.607% | 100 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $906 | -0.411% | 394 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,420 | -0.070% | 518 | |
4 | University Bank | Strong | Sound | Exceptional | Exceptional | $2,533 | +0.101% | 313 | |
5 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $578 | -1.094% | 42 | |
6 | NBKC BANK | Strong | Exceptional | Sound | Sound | $71 | -0.380% | 28 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $927 | -0.107% | 156 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,808 | +0.203% | 78 | |
9 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,129 | -0.181% | 50 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,791 | -0.093% | 30 | |
11 | Truist Bank | Strong | Strong | Strong | Sound | $1,077 | +0.019% | 24 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,093 | -0.003% | 23 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,158 | +0.269% | 561 | |
14 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,287 | +0.345% | 329 | |
15 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,432 | +0.604% | 267 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,308 | +0.250% | 236 | |
17 | Regions Bank | Strong | Sound | Strong | Strong | $2,143 | +0.277% | 149 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,329 | -0.095% | 119 | |
19 | Synovus Bank | Strong | Sound | Strong | Strong | $1,511 | +0.032% | 79 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,736 | -0.237% | 71 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,600 | +0.055% | 66 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,257 | +0.177% | 43 | |
23 | City National Bank of Florida | Strong | Strong | Sound | Sound | $1,793 | -0.016% | 29 | |
24 | ServisFirst Bank | Strong | Sound | Exceptional | Sound | $844 | +0.155% | 24 | |
25 | Trustmark National Bank | Strong | Sound | Exceptional | Sound | $1,935 | +0.225% | 20 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,580 | +0.548% | 268 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,163 | +0.343% | 196 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,063 | +0.662% | 178 | |
29 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $4,966 | +0.084% | 93 | |
30 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,975 | -0.247% | 70 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,982 | +0.257% | 59 | |
32 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,827 | -0.163% | 43 | |
33 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,795 | +0.177% | 28 | |
34 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $785 | +0.066% | 27 | |
35 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $1,822 | +0.194% | 23 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $4,597 | +0.272% | 104 | |
37 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | $4,597 | +0.534% | 71 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,202 | +0.561% | 70 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,465 | +0.258% | 61 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,269 | +0.303% | 25 | |
41 | Renasant Bank | Strong | Acceptable | Exceptional | Sound | $2,565 | +0.356% | 24 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $1,892 | +0.499% | 24 | |
43 | Centennial Bank | Strong | Sound | Sound | Sound | $1,430 | +0.141% | 22 | |
44 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,389 | +0.634% | 21 | |
45 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Sound | $3,085 | +1.014% | 21 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,917 | +0.185% | 158 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,830 | +0.198% | 61 | |
48 | HARVESTERS FEDERAL CREDIT UNION | Sound | Acceptable | Sound | Strong | $2,487 | +0.524% | 56 | |
49 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $1,447 | -0.123% | 47 | |
50 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,277 | +0.328% | 40 |
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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