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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 Mortgage Company Lenders in Pensacola
Updated February 5, 2026
Market Overview
40
Total Lenders
5,817
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | -$77 | -0.607% | 100 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,420 | -0.070% | 518 | |
3 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $578 | -1.094% | 42 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $927 | -0.107% | 156 | |
5 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,129 | -0.181% | 50 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,158 | +0.269% | 561 | |
7 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,287 | +0.345% | 329 | |
8 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,432 | +0.604% | 267 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,308 | +0.250% | 236 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,329 | -0.095% | 119 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,736 | -0.237% | 71 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,600 | +0.055% | 66 | |
13 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,580 | +0.548% | 268 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,163 | +0.343% | 196 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,063 | +0.662% | 178 | |
16 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $4,966 | +0.084% | 93 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,982 | +0.257% | 59 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,827 | -0.163% | 43 | |
19 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $1,822 | +0.194% | 23 | |
20 | LAKEVIEW LOAN SERVICING, LLC | Strong | Strong | Acceptable | Sound | $385 | +0.118% | 20 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $4,597 | +0.272% | 104 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,202 | +0.561% | 70 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,465 | +0.258% | 61 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,269 | +0.303% | 25 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $1,892 | +0.499% | 24 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,389 | +0.634% | 21 | |
27 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Sound | $3,085 | +1.014% | 21 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,917 | +0.185% | 158 | |
29 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,830 | +0.198% | 61 | |
30 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $1,447 | -0.123% | 47 | |
31 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,277 | +0.328% | 40 | |
32 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $2,756 | +0.791% | 29 | |
33 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,002 | -0.022% | 28 | |
34 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $4,653 | +0.485% | 26 | |
35 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Sound | Acceptable | Strong | Sound | $4,122 | +0.390% | 20 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,400 | +0.622% | 67 | |
37 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | $4,276 | +0.823% | 48 | |
38 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Sound | Mediocre | Strong | Strong | $3,415 | +0.563% | 48 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $6,330 | -0.152% | 25 | |
40 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $4,488 | +1.038% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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