Mortgage Lenders and Brokers in West Pensacola, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
West Pensacola, Florida mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, PenAir Credit UnionPenAir Credit Union1345 Industrial Dr, Crestview, FL 32539 8984A+5.0 ★Texas Ratio: 2.97%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Gulf Winds Credit UnionGulf Winds Credit Union11 Preston Cir, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank850 Park Shore Drive, Naples, FL 34103A+5.0 ★Texas Ratio: 4.11%, BankplusBankplus4881 Nw 8th Ave, Gainesville, FL 32605A+5.0 ★Texas Ratio: 4.80%, Servisfirst BankServisfirst Bank316 Racetrack Rd Ne, Fort Walton Beach, FL 32547A5.0 ★Texas Ratio: 8.75%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%. 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 West Pensacola, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West 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 West Pensacola, Florida
Market share is the lender's share of all home loans closed in West 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 |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 5 | 2.1% | 100% | $111,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +2 HELOCs |
1.2% | 38.5% | $45,000 | View |
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1345 Industrial Dr, Crestview, FL 32539 8984 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 3 +2 HELOCs |
1.2% | 75% | $238,333 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 3 | 1.2% | 75% | $181,666 | View |
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11 Preston Cir, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA | 3 | 1.2% | 100% | $161,666 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 0.8% | 100% | $115,000 | View |
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4881 Nw 8th Ave, Gainesville, FL 32605 A+5.0 ★Texas Ratio: 4.80% |
Conventional, FHA | 2 | 0.8% | 100% | $205,000 | View |
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316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $175,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
FHA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $55,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 50% | $135,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.4% | 100% | $215,000 | View |
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5005 Highway 90, Pace, FL 32571 A+5.0 ★Texas Ratio: 1.18% |
Conventional | 1 | 0.4% | 50% | $55,000 | |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.4% | 100% | $255,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
The Mortgage Firm
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Conventional, FHA, VA | 6 | 2.5% | 100% | $185,000 | |
Freedom Mortgage Corporation
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VA | 4 | 1.7% | 100% | $222,500 | |
Acrisure Mortgage, LLC
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Conventional, VA | 2 | 0.8% | 100% | $215,000 | |
New Day Financial, LLC.
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VA | 2 | 0.8% | 50% | $205,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 8.8% | 80.8% | $145,476 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 18 | 7.5% | 66.7% | $180,555 | |
Mortgage Research Center
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VA | 17 | 7.1% | 89.5% | $233,823 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 15 +3 HELOCs |
6.2% | 71.4% | $175,666 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 15 | 6.2% | 90.9% | $117,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 11 | 4.6% | 64.7% | $115,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, VA | 7 | 2.9% | 100% | $179,285 | |
Guild Mortgage Company
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Conventional, FHA, VA | 7 | 2.9% | 100% | $163,571 | |
Cadence Bank
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Conventional | 3 | 1.2% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 12.33% |
FHA | 3 | 1.2% | 75% | $225,000 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 3 | 1.2% | 57.1% | $265,000 | View |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 1.2% | 75% | $185,000 | |
Pennymac Loan Services LLC
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FHA | 3 | 1.2% | 50% | $168,333 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.2% | 37.5% | $68,333 | |
Das Acquisition Company, LLC
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Conventional, FHA | 3 | 1.2% | 100% | $161,666 | |
Inspire Home Loans Inc.
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Conventional, FHA, VA | 3 | 1.2% | 75% | $198,333 | |
Towne Mortgage Company
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Conventional, VA | 3 | 1.2% | 100% | $178,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.2% | 100% | $151,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 1.2% | 100% | $108,333 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 3 | 1.2% | 100% | $138,333 | |
Goodleap, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $140,000 | |
loanDepot.com LLC
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FHA | 2 | 0.8% | 40% | $90,000 | |
Synergy One Lending, Inc.
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Conventional, FHA | 2 | 0.8% | 100% | $120,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA | 2 | 0.8% | 100% | $195,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA | 2 | 0.8% | 100% | $65,000 | View |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.8% | 100% | $75,000 | |
Mid-Continent Funding, Inc.
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VA | 2 | 0.8% | 100% | $265,000 | |
Peoples Mortgage Company
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Conventional, FHA | 2 | 0.8% | 100% | $90,000 | |
Synovus Bank
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FHA | 2 | 0.8% | 66.7% | $210,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 2 | 0.8% | 100% | $165,000 | View |
Mortgage Solutions of Colorado
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Conventional, VA | 2 | 0.8% | 100% | $190,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 2 | 0.8% | 100% | $190,000 | View |
Ruoff Mortgage Company
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $145,000 | |
Gold Star Mortgage Financial Group, Corporation
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VA | 1 | 0.4% | 100% | $205,000 | |
United Trust Bank
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VA | 1 | 0.4% | 100% | $255,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.4% | 50% | $215,000 | |
MidSouth Bank
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Conventional | 1 | 0.4% | 100% | $45,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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FHA | 1 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.40% |
FHA | 1 | 0.4% | 100% | $175,000 | View |
Oceanside Mortgage Company
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FHA | 1 | 0.4% | 100% | $165,000 | |
First Nation Bank and Trust
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Conventional | 1 | 0.4% | 100% | $145,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $55,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 33.3% | $25,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Nations Lending Corporation
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FHA | 1 | 0.4% | 100% | $155,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.4% | 100% | $185,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Megastar Finanacial Corp
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Summit Funding.Inc
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VA | 1 | 0.4% | 50% | $445,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.4% | 100% | $225,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.4% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $75,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
FHA | 1 | 0.4% | 100% | $175,000 | View |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Tomo Mortgage LLC
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FHA | 1 | 0.4% | 100% | $205,000 | |
Coastal Community Bank
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
West Pensacola Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in West Pensacola, Florida
Looking for mortgage lenders near me or mortgage brokers near me in West Pensacola? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Pensacola in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Pensacola, FL
Use these to narrow the list above. Each category shows how many West Pensacola, FL lenders fit and what that kind of lender is usually best for.
Who Lends in West Pensacola, FL
Independent mortgage companies closed 72.9 percent of home loans in West Pensacola, Florida in 2025, banks 17.9 percent and credit unions 9.2 percent. The Mortgage Firm was the largest mortgage company, Southstate Bank, National Association the largest bank and PenAir Credit Union the largest credit union. Among lenders headquartered in Florida, Southstate Bank, National Association led with 5 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
Frequently Asked Questions About Mortgage Lenders in West Pensacola, FL
By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in West Pensacola, Florida with 5 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
42 lenders closed FHA loans in West Pensacola, Florida in 2025, led by United Wholesale Mortgage with 8. 23 lenders closed VA loans, led by Mortgage Research Center. 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.
Yes. 24 banks and 4 credit unions closed home loans in West Pensacola, Florida in 2025, alongside 51 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.
Lenders are ranked only by the number of home loans they closed in West 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 West 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 West 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.
