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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | -$77 | -0.607% | 100 | |
2 | University Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,533 | +0.101% | 313 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,420 | -0.070% | 518 | |
4 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,287 | +0.345% | 329 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $927 | -0.107% | 156 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,329 | -0.095% | 119 | |
7 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $578 | -1.094% | 42 | |
8 | City National Bank of Florida | Exceptional | Exceptional | Strong | Strong | Sound | $1,793 | -0.016% | 29 | |
9 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $1,511 | +0.032% | 79 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,736 | -0.237% | 71 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,158 | +0.269% | 561 | |
12 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,432 | +0.604% | 267 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,808 | +0.203% | 78 | |
14 | FIDELITY BANK | Strong | Sound | Exceptional | Strong | Strong | $4,597 | +0.534% | 71 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,600 | +0.055% | 66 | |
16 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,129 | -0.181% | 50 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,002 | -0.022% | 28 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,308 | +0.250% | 236 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,063 | +0.662% | 178 | |
20 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,143 | +0.277% | 149 | |
21 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,966 | +0.084% | 93 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,830 | +0.198% | 61 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,982 | +0.257% | 59 | |
24 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,384 | +0.275% | 31 | |
25 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $1,822 | +0.194% | 23 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,580 | +0.548% | 268 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,163 | +0.343% | 196 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,597 | +0.272% | 104 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,389 | +0.634% | 21 | |
30 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,276 | +0.823% | 48 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,447 | -0.123% | 47 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,827 | -0.163% | 43 | |
33 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,277 | +0.328% | 40 | |
34 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,756 | +0.791% | 29 | |
35 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,653 | +0.485% | 26 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,892 | +0.499% | 24 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,202 | +0.561% | 70 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,400 | +0.622% | 67 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,465 | +0.258% | 61 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $6,330 | -0.152% | 25 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,917 | +0.185% | 158 | |
42 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,415 | +0.563% | 48 |
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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