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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 Conventional Mortgage Company Lenders in Pensacola
Updated February 5, 2026
Market Overview
35
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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,158 | +0.269% | 561 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,420 | -0.070% | 518 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $927 | -0.107% | 156 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,600 | +0.055% | 66 | |
6 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,287 | +0.345% | 329 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,308 | +0.250% | 236 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,736 | -0.237% | 71 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,269 | +0.303% | 25 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,163 | +0.343% | 196 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,063 | +0.662% | 178 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,329 | -0.095% | 119 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,202 | +0.561% | 70 | |
14 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,400 | +0.622% | 67 | |
15 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,465 | +0.258% | 61 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,982 | +0.257% | 59 | |
17 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,129 | -0.181% | 50 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,580 | +0.548% | 268 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,917 | +0.185% | 158 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,597 | +0.272% | 104 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,830 | +0.198% | 61 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,447 | -0.123% | 47 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,827 | -0.163% | 43 | |
24 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,002 | -0.022% | 28 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,892 | +0.499% | 24 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,389 | +0.634% | 21 | |
27 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,085 | +1.014% | 21 | |
28 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,432 | +0.604% | 267 | |
29 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,653 | +0.485% | 26 | |
30 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Sound | $4,122 | +0.390% | 20 | |
31 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Strong | $4,276 | +0.823% | 48 | |
32 | FBC MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $578 | -1.094% | 42 | |
33 | COASTAL LOANS, LLC | Sound | Mediocre | Sound | Sound | Strong | $4,966 | +0.084% | 93 | |
34 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Sound | Mediocre | Sound | Sound | Strong | $3,415 | +0.563% | 48 | |
35 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Mediocre | Sound | Acceptable | Sound | $2,756 | +0.791% | 29 |
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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