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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 Conventional Mortgage Bank Lenders in Pensacola
Updated February 5, 2026
Market Overview
22
Total Lenders
7,677
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,791 | -0.093% | 30 | |
2 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $71 | -0.380% | 28 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,077 | +0.019% | 24 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,093 | -0.003% | 23 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $350 | -0.380% | 19 | |
6 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,808 | +0.203% | 78 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,257 | +0.177% | 43 | |
8 | City National Bank of Florida | Strong | Exceptional | Sound | Sound | Sound | $1,793 | -0.016% | 29 | |
9 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $1,511 | +0.032% | 79 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,795 | +0.177% | 28 | |
11 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $785 | +0.066% | 27 | |
12 | Trustmark National Bank | Strong | Sound | Exceptional | Strong | Sound | $1,935 | +0.225% | 20 | |
13 | Cadence Bank | Strong | Sound | Exceptional | Strong | Sound | $896 | +0.433% | 17 | |
14 | University Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,533 | +0.101% | 313 | |
15 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,143 | +0.277% | 149 | |
16 | ServisFirst Bank | Strong | Sound | Strong | Strong | Sound | $844 | +0.155% | 24 | |
17 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Strong | $4,597 | +0.534% | 71 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,975 | -0.247% | 70 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,384 | +0.275% | 31 | |
20 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,565 | +0.356% | 24 | |
21 | Centennial Bank | Strong | Sound | Strong | Sound | Sound | $1,430 | +0.141% | 22 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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