# Best VA Mortgage Lenders in Pensacola

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Pensacola. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/pensacola/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 105
- **Total Loans:** 7,677
- **Median Rate Spread:** 0.16206862745098038%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 518 | Independent Mortgage Company |
| 2 | University Bank | 95 | 76 | 87 | 313 | Bank |
| 3 | DSLD MORTGAGE, LLC | 95 | 93 | 83 | 100 | Independent Mortgage Company |
| 4 | Ameris Bank | 89 | 63 | 81 | 78 | Bank |
| 5 | FIRST COLONY MORTGAGE CORPORATION | 89 | 64 | 81 | 50 | Independent Mortgage Company |
| 6 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 394 | Credit Union |
| 7 | SWBC MORTGAGE CORPORATION | 88 | 45 | 85 | 329 | Independent Mortgage Company |
| 8 | CMG MORTGAGE, INC. | 88 | 54 | 81 | 236 | Independent Mortgage Company |
| 9 | FBC MORTGAGE, LLC | 88 | 85 | 87 | 42 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 119 | Independent Mortgage Company |
| 11 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 104 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 71 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 196 | Independent Mortgage Company |
| 14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 156 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 59 | Independent Mortgage Company |
| 16 | NBKC BANK | 83 | 91 | 75 | 28 | Bank |
| 17 | Synovus Bank | 80 | 80 | 72 | 79 | Bank |
| 18 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 561 | Independent Mortgage Company |
| 19 | USAA Federal Savings Bank | 79 | 62 | 58 | 70 | Bank |
| 20 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 66 | Independent Mortgage Company |
| 21 | NEWREZ LLC | 79 | 47 | 63 | 61 | Independent Mortgage Company |
| 22 | GUARANTEED RATE, INC. | 79 | 79 | 70 | 43 | Independent Mortgage Company |
| 23 | INSPIRE HOME LOANS INC. | 79 | 66 | 78 | 23 | Independent Mortgage Company |
| 24 | TOWNE MORTGAGE COMPANY | 77 | 44 | 87 | 28 | Independent Mortgage Company |
| 25 | Trustmark National Bank | 77 | 54 | 81 | 20 | Bank |
| 26 | Mortgage Research Center, LLC | 75 | 34 | 61 | 268 | Independent Mortgage Company |
| 27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 178 | Independent Mortgage Company |
| 28 | Paramount Residential Mortgage Group, Inc. | 73 | 40 | 71 | 47 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 73 | 56 | 68 | 31 | Bank |
| 30 | City National Bank of Florida | 73 | 88 | 69 | 29 | Bank |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 25 | Independent Mortgage Company |
| 32 | Plains Commerce Bank | 73 | 46 | 66 | 20 | Bank |
| 33 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 70 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 61 | Independent Mortgage Company |
| 35 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 39 | 83 | 21 | Independent Mortgage Company |
| 36 | Regions Bank | 69 | 54 | 59 | 149 | Bank |
| 37 | LoanUnited.com, LLC | 68 | 47 | 53 | 17 | Independent Mortgage Company |
| 38 | COASTAL LOANS, LLC | 67 | 22 | 78 | 93 | Independent Mortgage Company |
| 39 | FIDELITY BANK | 67 | 27 | 64 | 71 | Bank |
| 40 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 67 | 24 | 73 | 48 | Independent Mortgage Company |
| 41 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 29 | Independent Mortgage Company |
| 42 | GUILD MORTGAGE COMPANY LLC | 66 | 22 | 77 | 24 | Independent Mortgage Company |
| 43 | DAS Acquisition Company, LLC | 66 | 30 | 79 | 21 | Independent Mortgage Company |
| 44 | LAKEVIEW LOAN SERVICING, LLC | 64 | 51 | 51 | 20 | Independent Mortgage Company |
| 45 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 40 | Independent Mortgage Company |
| 46 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 25 | Independent Mortgage Company |
| 47 | THE MORTGAGE FIRM, INC. | 60 | 16 | 73 | 267 | Independent Mortgage Company |
| 48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 12 | 73 | 67 | Independent Mortgage Company |
| 49 | GARDNER FINANCIAL SERVICES, LTD. | 60 | 7 | 81 | 48 | Independent Mortgage Company |
| 50 | The First Bank | 57 | N/A | 78 | 36 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Pensacola.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.