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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 VA 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 | Exceptional | Strong | -$77 | -0.607% | 100 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,420 | -0.070% | 518 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $906 | -0.411% | 394 | |
4 | University Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,533 | +0.101% | 313 | |
5 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $578 | -1.094% | 42 | |
6 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,808 | +0.203% | 78 | |
7 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,129 | -0.181% | 50 | |
8 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $71 | -0.380% | 28 | |
9 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,287 | +0.345% | 329 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,308 | +0.250% | 236 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,329 | -0.095% | 119 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $4,597 | +0.272% | 104 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,736 | -0.237% | 71 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,163 | +0.343% | 196 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $927 | -0.107% | 156 | |
16 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $1,511 | +0.032% | 79 | |
17 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,975 | -0.247% | 70 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,982 | +0.257% | 59 | |
19 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,827 | -0.163% | 43 | |
20 | City National Bank of Florida | Exceptional | Exceptional | Sound | Strong | Sound | $1,793 | -0.016% | 29 | |
21 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,822 | +0.194% | 23 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,158 | +0.269% | 561 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,600 | +0.055% | 66 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,830 | +0.198% | 61 | |
25 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,002 | -0.022% | 28 | |
26 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | Sound | $1,935 | +0.225% | 20 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580 | +0.548% | 268 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,063 | +0.662% | 178 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $1,447 | -0.123% | 47 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,384 | +0.275% | 31 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,269 | +0.303% | 25 | |
32 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,406 | -0.280% | 20 | |
33 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $2,143 | +0.277% | 149 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,202 | +0.561% | 70 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,465 | +0.258% | 61 | |
36 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,389 | +0.634% | 21 | |
37 | LoanUnited.com, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,743 | -0.431% | 17 | |
38 | COASTAL LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,966 | +0.084% | 93 | |
39 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Strong | $4,597 | +0.534% | 71 | |
40 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,415 | +0.563% | 48 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,756 | +0.791% | 29 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,892 | +0.499% | 24 | |
43 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,085 | +1.014% | 21 | |
44 | LAKEVIEW LOAN SERVICING, LLC | Strong | Sound | Strong | Sound | Sound | $385 | +0.118% | 20 | |
45 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,432 | +0.604% | 267 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,400 | +0.622% | 67 | |
47 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Strong | Exceptional | Strong | $4,276 | +0.823% | 48 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,277 | +0.328% | 40 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $6,330 | -0.152% | 25 |
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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