Safe Rate Rankings

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.