# Best Mortgage Lenders in Pensacola

**As of:** 2026-05-22

Compare the top mortgage lenders in Pensacola. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/pensacola/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 105
- **Total Loans:** 7,677
- **Median Rate Spread:** 0.16206862745098038%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | DSLD MORTGAGE, LLC | 93 | 97 | 81 | 100 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 518 | Independent Mortgage Company |
| 3 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 394 | Credit Union |
| 4 | University Bank | 84 | 46 | 86 | 313 | Bank |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 156 | Independent Mortgage Company |
| 6 | Ameris Bank | 78 | 42 | 82 | 78 | Bank |
| 7 | FIRST COLONY MORTGAGE CORPORATION | 78 | 42 | 84 | 50 | Independent Mortgage Company |
| 8 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 42 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 561 | Independent Mortgage Company |
| 10 | SWBC MORTGAGE CORPORATION | 74 | 34 | 86 | 329 | Independent Mortgage Company |
| 11 | THE MORTGAGE FIRM, INC. | 74 | 20 | 81 | 267 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 236 | Independent Mortgage Company |
| 13 | Regions Bank | 73 | 41 | 64 | 149 | Bank |
| 14 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 119 | Independent Mortgage Company |
| 15 | Synovus Bank | 73 | 56 | 65 | 79 | Bank |
| 16 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 71 | Independent Mortgage Company |
| 17 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 66 | Independent Mortgage Company |
| 18 | Bank of America, National Association | 73 | 73 | 75 | 30 | Bank |
| 19 | Truist Bank | 73 | 70 | 68 | 24 | Bank |
| 20 | U.S. Bank National Association | 73 | 75 | 71 | 23 | Bank |
| 21 | NBKC BANK | 71 | 91 | 59 | 28 | Bank |
| 22 | ServisFirst Bank | 71 | 54 | 82 | 24 | Bank |
| 23 | Trustmark National Bank | 71 | 50 | 85 | 20 | Bank |
| 24 | Mortgage Research Center, LLC | 68 | 34 | 70 | 268 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 196 | Independent Mortgage Company |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 178 | Independent Mortgage Company |
| 27 | COASTAL LOANS, LLC | 68 | 22 | 84 | 93 | Independent Mortgage Company |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 59 | Independent Mortgage Company |
| 29 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 43 | Independent Mortgage Company |
| 30 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 43 | Bank |
| 31 | City National Bank of Florida | 66 | 77 | 59 | 29 | Bank |
| 32 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 28 | Bank |
| 33 | SouthState Bank, National Association | 66 | 49 | 73 | 27 | Bank |
| 34 | INSPIRE HOME LOANS INC. | 66 | 43 | 75 | 23 | Independent Mortgage Company |
| 35 | USAA Federal Savings Bank | 66 | 54 | 45 | 70 | Bank |
| 36 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 104 | Independent Mortgage Company |
| 37 | FIDELITY BANK | 63 | 30 | 73 | 71 | Bank |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 70 | Independent Mortgage Company |
| 39 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 61 | Independent Mortgage Company |
| 40 | Renasant Bank | 62 | 38 | 81 | 24 | Bank |
| 41 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 24 | Independent Mortgage Company |
| 42 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 21 | Independent Mortgage Company |
| 43 | DAS Acquisition Company, LLC | 62 | 26 | 80 | 21 | Independent Mortgage Company |
| 44 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 25 | Independent Mortgage Company |
| 45 | Centennial Bank | 60 | 48 | 56 | 22 | Bank |
| 46 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 158 | Independent Mortgage Company |
| 47 | NEWREZ LLC | 58 | 35 | 59 | 61 | Independent Mortgage Company |
| 48 | HARVESTERS FEDERAL CREDIT UNION | 58 | 38 | 44 | 56 | Credit Union |
| 49 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 47 | Independent Mortgage Company |
| 50 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 40 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Pensacola.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.