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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 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$906	-0.411%	394
2	DSLD MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Strong	Strong	-$77	-0.607%	100
3	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,791	-0.093%	30
4	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$71	-0.380%	28
5	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,077	+0.019%	24
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,093	-0.003%	23
7	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$350	-0.380%	19
8	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,158	+0.269%	561
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,420	-0.070%	518
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$927	-0.107%	156
11	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$2,808	+0.203%	78
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,600	+0.055%	66
13	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,257	+0.177%	43
14	City National Bank of Florida	Strong	Exceptional	Sound	Sound	Sound	$1,793	-0.016%	29
15	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,287	+0.345%	329
16	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,308	+0.250%	236
17	Synovus Bank	Strong	Sound	Strong	Strong	Strong	$1,511	+0.032%	79
18	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,736	-0.237%	71
19	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,795	+0.177%	28
20	SouthState Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$785	+0.066%	27
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,269	+0.303%	25
22	Trustmark National Bank	Strong	Sound	Exceptional	Strong	Sound	$1,935	+0.225%	20
23	Cadence Bank	Strong	Sound	Exceptional	Strong	Sound	$896	+0.433%	17
24	University Bank	Strong	Acceptable	Strong	Strong	Exceptional	$2,533	+0.101%	313
25	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,163	+0.343%	196
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,063	+0.662%	178
27	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,143	+0.277%	149
28	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,329	-0.095%	119
29	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,202	+0.561%	70
30	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,400	+0.622%	67
31	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,465	+0.258%	61
32	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,982	+0.257%	59
33	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,129	-0.181%	50
34	ServisFirst Bank	Strong	Sound	Strong	Strong	Sound	$844	+0.155%	24
35	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,580	+0.548%	268
36	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,917	+0.185%	158
37	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,597	+0.272%	104
38	FIDELITY BANK	Strong	Acceptable	Strong	Strong	Strong	$4,597	+0.534%	71
39	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$1,975	-0.247%	70
40	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,830	+0.198%	61
41	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$1,447	-0.123%	47
42	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,827	-0.163%	43
43	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$1,384	+0.275%	31
44	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,002	-0.022%	28
45	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,565	+0.356%	24
46	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,892	+0.499%	24
47	Centennial Bank	Strong	Sound	Strong	Sound	Sound	$1,430	+0.141%	22
48	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,389	+0.634%	21
49	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,085	+1.014%	21
50	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Strong	Strong	Sound	$4,122	+0.390%	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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