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Mortgage Lenders and Brokers in Pensacola, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Pensacola, Florida mortgage lenders include Regions BankRegions Bank5150 N 9th Ave, Pensacola, FL 32504A+5.0 ★Texas Ratio: 4.37%, Gulf Winds Credit UnionGulf Winds Credit Union220 E Nine Mile Rd, Pensacola, FL 32534A+5.0 ★Texas Ratio: 2.87%, PenAir Credit UnionPenAir Credit Union1495 E Nine Mile Rd, Pensacola, FL 32514 5723A+5.0 ★Texas Ratio: 2.97%, Bank of America NABank of America NA31 E Nine Mile Rd, Pensacola, FL 32534A+5.0 ★Texas Ratio: 4.14%, Servisfirst BankServisfirst Bank219 E Garden St, Pensacola, FL 32502A5.0 ★Texas Ratio: 8.75%, Truist BankTruist Bank89 S Alcaniz St, Pensacola, FL 32502A+5.0 ★Texas Ratio: 2.87%, Members First Credit Union of FloridaMembers First Credit Union of Florida251 W Garden St, Pensacola, FL 32502 5728A+5.0 ★Texas Ratio: 1.18%, Southstate Bank, National AssociationSouthstate Bank, National Association4920 Bayou Blvd, Pensacola, FL 32503A+5.0 ★Texas Ratio: 2.27%, Renasant BankRenasant Bank1554 W Nine Mile Rd, Pensacola, FL 32534A+5.0 ★Texas Ratio: 4.72%, and Centennial BankCentennial Bank2200 Airport Blvd, Pensacola, FL 32504A+5.0 ★Texas Ratio: 3.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Pensacola, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pensacola are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Pensacola, Florida

Market share is the lender's share of all home loans closed in Pensacola, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Regions Bank 8 offices in Pensacola 5150 N 9th Ave, Pensacola, FL 32504 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	36 +23 HELOCs	4.4%	80%	$254,722	View
Gulf Winds Credit Union 220 E Nine Mile Rd, Pensacola, FL 32534 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	13 +6 HELOCs	1.6%	81.2%	$175,769	View
PenAir Credit Union 1495 E Nine Mile Rd, Pensacola, FL 32514 5723 A+5.0 ★Texas Ratio: 2.97%	Conventional, FHA, HELOC	11 +19 HELOCs	1.3%	78.6%	$176,818	View
Bank of America NA 3 offices in Pensacola 31 E Nine Mile Rd, Pensacola, FL 32534 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	8 +14 HELOCs	1%	100%	$498,750	View
Servisfirst Bank 2 offices in Pensacola 219 E Garden St, Pensacola, FL 32502 A5.0 ★Texas Ratio: 8.75%	Conventional, HELOC	7 +7 HELOCs	0.8%	100%	$305,000	View
Truist Bank ★ 1 stars, 1 review 2 offices in Pensacola 89 S Alcaniz St, Pensacola, FL 32502 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	6 +6 HELOCs	0.7%	100%	$1,360,000	View
Members First Credit Union of Florida 251 W Garden St, Pensacola, FL 32502 5728 A+5.0 ★Texas Ratio: 1.18%	Conventional	6	0.7%	87.5%	$98,333
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Pensacola 4920 Bayou Blvd, Pensacola, FL 32503 A+5.0 ★Texas Ratio: 2.27%	Conventional, VA, Jumbo, HELOC	5 +2 HELOCs	0.6%	100%	$297,000	View
Renasant Bank 3 offices in Pensacola 1554 W Nine Mile Rd, Pensacola, FL 32534 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	4 +8 HELOCs	0.5%	80%	$432,500	View
Centennial Bank 2 offices in Pensacola 2200 Airport Blvd, Pensacola, FL 32504 A+5.0 ★Texas Ratio: 3.14%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.5%	57.1%	$647,500	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 4 offices in Pensacola 2185 Airport Blvd, Pensacola, FL 32504 A+5.0 ★Texas Ratio: 3.41%	Conventional, FHA, Jumbo, HELOC	3 +7 HELOCs	0.4%	60%	$445,000	View
Trustmark Bank 1 office in Pensacola 19 W Garden St, Pensacola, FL 32502 A+5.0 ★Texas Ratio: 2.40%	Conventional, VA, HELOC	3 +7 HELOCs	0.4%	100%	$388,333	View
Community Bank of Mississippi 1 office in Pensacola 7150 N 9th Ave, Pensacola, FL 32504 A+5.0 ★Texas Ratio: 3.09%	Conventional	1	0.1%	100%	$185,000	View
Wells Fargo Bank NA 4 offices in Pensacola 4952 Bayou Blvd, Pensacola, FL 32503 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.1%	50%	$315,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Pensacola 6701 N Davis Hwy, Pensacola, FL 32504 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +5 HELOCs	0%	n/a		View
Pinnacle Bank 4 offices in Pensacola 4440 Bayou Blvd, Pensacola, FL 32503 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
Home Office	Conventional	3	0.4%	75%	$175,000
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	11	1.3%	100%	$439,545	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional, FHA, VA	8	1%	100%	$256,250	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional	6	0.7%	75%	$320,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +3 HELOCs	0.4%	60%	$388,333	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.4%	60%	$418,333	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.4%	100%	$408,333	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$585,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	2	0.2%	100%	$275,000	View
Harvesters Federal Credit Union 9285 W Highway 98, Pensacola, FL 32506 6094 A5.0 ★Texas Ratio: 6.36%	Conventional	2	0.2%	100%	$265,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$665,000	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional	1	0.1%	100%	$105,000
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$175,000	View
Florida Credit Union 10303 SE US Highway 441, Belleview, FL 34420 A+5.0 ★Texas Ratio: 4.76%	Conventional	1	0.1%	100%	$185,000	View
NBH Bank 3835 Pga Boulevard Suite 305, Palm Beach Gardens, FL 33410 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0.1%	100%	$1,325,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional	1	0.1%	100%	$305,000	View
Ithink Financial Credit Union 790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0.1%	100%	$365,000	View
Eglin Federal Credit Union 1127 Industrial Dr, Crestview, FL 32539 8950 A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.1%	100%	$25,000
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	VA	1	0.1%	100%	$215,000	View
Bankplus 4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80%	Conventional	1	0.1%	100%	$605,000	View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional	1	0.1%	100%	$595,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional	1	0.1%	100%	$445,000	View
The Mortgage Firm	Conventional, FHA, VA	22	2.7%	92%	$322,727
Acrisure Mortgage, LLC	Conventional, FHA, VA	15	1.8%	93.8%	$423,666
Freedom Mortgage Corporation	FHA, VA	12	1.5%	89.5%	$342,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$545,000	View
Lakeview Loan Servicing, LLC	VA	1	0.1%	13.3%	$355,000
First Equity Mortgage Bankers Inc.	Conventional	1	0.1%	100%	$605,000
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$65,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	77 +31 HELOCs	9.3%	84.9%	$303,181
Rocket Mortgage	Conventional, FHA, VA	65	7.9%	77%	$213,923
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	60 +1 HELOCs	7.3%	84.9%	$332,333
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	30	3.6%	100%	$296,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA, VA	21	2.5%	100%	$347,857	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	21	2.5%	100%	$281,666
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, Jumbo, HELOC	19 +3 HELOCs	2.3%	87.5%	$353,947	View
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	17 +2 HELOCs	2.1%	92%	$331,470
Mortgage Research Center	VA	17	2.1%	72%	$367,941
Gardner Financial Services	Conventional, FHA, VA	14	1.7%	100%	$352,142
Synovus Bank	Conventional, FHA, VA, Jumbo, HELOC	13 +12 HELOCs	1.6%	81.2%	$446,538
Fairway Independent Mort Corp	Conventional, FHA, VA	13	1.6%	100%	$248,076
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA, VA, Jumbo	12	1.5%	60%	$388,333	View
Nationstar Mortgage	Conventional, FHA	10	1.2%	100%	$130,000
Guaranteed Rate Affinity, LLC	Conventional, HELOC	9 +1 HELOCs	1.1%	100%	$336,111
CrossCountry Mortgage, LLC	Conventional, FHA, VA	9	1.1%	100%	$372,777
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	7	0.8%	100%	$149,285	View
Pennymac Loan Services LLC	Conventional, VA	7	0.8%	80%	$259,285
New American Funding, LLC.	Conventional, FHA, VA	7	0.8%	63.6%	$337,857
Cadence Bank	Conventional, FHA, Jumbo, HELOC	6 +1 HELOCs	0.7%	100%	$598,333
Southeast Mortgage of Georgia, Inc.	Conventional, FHA, VA	6	0.7%	100%	$253,333
Canopy Mortgage, LLC	Conventional, FHA, VA	5	0.6%	100%	$371,000
loanDepot.com LLC	Conventional, FHA	5	0.6%	55.6%	$103,000
Amerisave Mortgage Company	Conventional, VA	5	0.6%	27.8%	$103,000
First Colony Mortgage Corporat	Conventional, VA	5	0.6%	100%	$459,000
Pentagon Federal Credit Union	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.5%	66.7%	$555,000
Primelending	Conventional, FHA, VA	4	0.5%	100%	$260,000
Primary Residential Mortgage, INC.	Conventional	4	0.5%	100%	$240,000
Nbkc Bank	VA	4	0.5%	100%	$387,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.5%	80%	$452,500	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	4	0.5%	100%	$585,000	View
Summit Funding.Inc	Conventional, FHA	4	0.5%	100%	$317,500
Spring Eq, LLC	Conventional, HELOC	3 +1 HELOCs	0.4%	33.3%	$78,333
SWBC Mortgage Corporation	Conventional, FHA	3	0.4%	100%	$345,000
Everett Financial, Inc.	Conventional	3	0.4%	80%	$335,000
Sage Home Loans Corporation	Conventional	3	0.4%	100%	$261,666
Kind Lending, LLC	Conventional, VA	3	0.4%	75%	$488,333
Resicentral LLC	Conventional	3	0.4%	100%	$211,666
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	3	0.4%	100%	$245,000	View
Das Acquisition Company, LLC	FHA	3	0.4%	100%	$301,666
Planet Home Lending, LLC	Conventional, FHA	3	0.4%	50%	$205,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.4%	100%	$718,333	View
DHI Mortgage Company, LTD.	FHA, VA	3	0.4%	75%	$438,333
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, VA	3	0.4%	75%	$211,666	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.4%	100%	$238,333	View
Village Capital & Investment	FHA, VA	3	0.4%	85.7%	$288,333
Goodleap, LLC	FHA, HELOC	2 +2 HELOCs	0.2%	75%	$150,000
EMM Loans LLC	Conventional	2	0.2%	100%	$255,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.2%	100%	$270,000
AmeriHome Mortgage Company, LLC	FHA	2	0.2%	100%	$385,000
Synergy One Lending, Inc.	Conventional, FHA	2	0.2%	100%	$100,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$495,000
American Financing Corporation	Conventional, FHA	2	0.2%	100%	$305,000
Churchill Mortgage Corporation	Conventional	2	0.2%	100%	$335,000
Provident Funding Associates	Conventional	2	0.2%	100%	$560,000
Waterstone Mortgage Corporation	Conventional	2	0.2%	100%	$335,000
American Pacific Mortgage Corporation	FHA, VA	2	0.2%	100%	$320,000
Better Mortgage Corporation	Conventional	2	0.2%	100%	$220,000
Mortgage Solutions of Colorado	Conventional, VA	2	0.2%	66.7%	$290,000
Premier Mortgage Resources, LLC	VA, Jumbo	1	0.1%	100%	$995,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$365,000
Guaranty Bank & Trust Company A-5.0 ★Texas Ratio: 14.15%	Conventional	1	0.1%	100%	$355,000	View
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.1%	100%	$695,000	View
American Financial Resources LLC	VA	1	0.1%	100%	$275,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0.1%	100%	$685,000	View
Guaranteed Rate, Inc.	FHA	1	0.1%	100%	$265,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$55,000
MortgageOne, Inc	Conventional	1	0.1%	100%	$355,000
Brighton Bank	VA	1	0.1%	100%	$335,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$445,000
AdvantageFirst Lending Inc	VA	1	0.1%	50%	$445,000
American Financial Network, Inc.	FHA	1	0.1%	50%	$175,000
Assurance Financial Group, L.L.C.	Conventional	1	0.1%	100%	$495,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$305,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$145,000
Discover Bank	Conventional	1	0.1%	20%	$35,000
Sun West Mortgage Company, Inc	VA	1	0.1%	100%	$125,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$345,000
Bay Equity LLC	Conventional	1	0.1%	100%	$145,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$275,000
American Bank NA A+5.0 ★Texas Ratio: 0.07%	Conventional	1	0.1%	100%	$595,000	View
Tennessee Valley Federal C U	Conventional	1	0.1%	100%	$155,000
Point Mortgage Corp	FHA	1	0.1%	100%	$365,000
Premier Lending Inc.	Conventional	1	0.1%	100%	$475,000
DSLD Mortgage LLC	Conventional	1	0.1%	100%	$415,000
T2 Financial LLC	Conventional	1	0.1%	100%	$255,000
BoxCar Mortgage, LLC	VA	1	0.1%	100%	$435,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	100%	$95,000	View
Lake Michigan Credit Union	Conventional	1	0.1%	100%	$495,000
Stockton Mortgage Corporation	FHA	1	0.1%	100%	$335,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$195,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$505,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$415,000
Nations Direct Mortgage, LLC	VA	1	0.1%	100%	$345,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$175,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	50%	$715,000
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	100%	$285,000	View
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$805,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	50%	$305,000	View
Cfbank NA ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$425,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$235,000
Gmfs, LLC	VA	1	0.1%	100%	$485,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$325,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$225,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$195,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$465,000	View
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$205,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$335,000
Salem Five Mortgage Company LLC	Conventional	1	0.1%	100%	$245,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$265,000
Somerset Trust Company A5.0 ★Texas Ratio: 12.17%	Conventional	1	0.1%	100%	$205,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$505,000
Champions Funding, LLC	Conventional	1	0.1%	33.3%	$235,000
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	0%
Coastal Community Bank	HELOC	0 +5 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
Bryant Bank A+5.0 ★Texas Ratio: 2.46%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Summit Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union	HELOC	0 +1 HELOCs	0%	0%
Keesler Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Pensacola Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Pensacola, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Pensacola? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pensacola in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Pensacola, FL

Use these to narrow the list above. Each category shows how many Pensacola, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 90 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 56 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 23 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 47 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 50 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 19 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 21 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Pensacola, FL

Independent mortgage companies closed 59.2 percent of home loans in Pensacola, Florida in 2025, banks 25.5 percent and credit unions 15.3 percent. The Mortgage Firm was the largest mortgage company, Regions Bank the largest bank and Gulf Winds Credit Union the largest credit union. Among lenders headquartered in Florida, Gulf Winds Credit Union led with 13 loans.

59.2%

Mortgage companies

25.5%

Banks

15.3%

Credit unions

13%

FHA loans

18%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Pensacola, FL

Who is the largest mortgage lender in Pensacola, FL?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Pensacola, Florida with 36 loans, about 4.4 percent of the market. The largest lender headquartered in Florida was Gulf Winds Credit Union with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Pensacola, FL have the highest approval rates?

Among lenders with meaningful volume in Pensacola, Florida, Navy Federal Credit Union approved the highest share of completed applications in 2025 at 84.9 percent, against a 83.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Pensacola, FL mortgage lenders offer FHA, VA and USDA loans?

47 lenders closed FHA loans in Pensacola, Florida in 2025, led by Guild Mortgage Company with 11. 50 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Pensacola, FL lender list?

Yes. 56 banks and 23 credit unions closed home loans in Pensacola, Florida in 2025, alongside 90 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Pensacola, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Pensacola, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Pensacola, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Pensacola. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.