Safe Rate Rankings

Best Conventional Mortgage Lenders in Pensacola

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders105

Total Loans7,677

Median Rate Spread0.16%

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