10+ Years · Pensacola
Experienced Mortgage Brokers in Pensacola, FL
Experience matters. These mortgage brokers in Pensacola have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Pensacola, FL by verified customer ratings and review volume. The highest-rated is Trident Home Loans, LLC with a 5.0-star rating from 1,125 verified reviews. Also in the top tier: Cornerstone Mortgage Solutions, llc and Cash Money Loans. The average rating across all listed mortgage brokers in Pensacola is 5 stars from 113 reviews per business on average.
Mortgage brokers in Pensacola: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
113
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Trident Home Loans, LLC
6723 Plantation Rd #32504, Pensacola, FL 32504, USA
Cornerstone Mortgage Solutions, llc
6702C Plantation Rd, Pensacola, FL 32504, USA
Cash Money Loans
1550 Creighton Rd #8, Pensacola, FL 32504, USA
Mortgage Brokers Rankings in Pensacola, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Trident Home Loans, LLC6723 Plantation Rd #32504, Pensacola, FL 32504, USA | 5.0★ | 1,125 |
| #2 | Cornerstone Mortgage Solutions, llc6702C Plantation Rd, Pensacola, FL 32504, USA | 4.9★ | 376 |
| #3 | Cash Money Loans1550 Creighton Rd #8, Pensacola, FL 32504, USA | 4.9★ | 192 |
| #4 | Coastal Funding Corporation - Pensacola534 S Navy Blvd, Pensacola, FL 32507, USA | 4.8★ | 21 |
| #5 | NEXA Mortgage - Rich Preston3107 N Davis Hwy, Pensacola, FL 32503, USA | 5.0★ | 53 |
| #6 | Mortgage Trust Inc.4400 Bayou Blvd Bldg 39, Pensacola, FL 32503, USA | 4.9★ | 45 |
| #7 | Tim Taylor - Trident Home Loans, LLC517 N Baylen St, Pensacola, FL 32501, USA | 5.0★ | 60 |
| #8 | Guild Mortgage - James Coleman3298 Summit Blvd STE 18, Pensacola, FL 32503, USA | 5.0★ | 50 |
| #9 | Trident Home Loans - Jonathan Kulak & Team - VA, Conventional, FHA Loan Specialist6723 Plantation Rd #32504, Pensacola, FL 32504, USA | 5.0★ | 96 |
| #10 | Supreme Lending Pensacola3298 Summit Blvd STE 18, Pensacola, FL 32503, USA | 4.9★ | 34 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Pensacola
Coastal Funding Corporation - Pensacola
534 S Navy Blvd, Pensacola, FL 32507, USA
NEXA Mortgage - Rich Preston
3107 N Davis Hwy, Pensacola, FL 32503, USA
Mortgage Trust Inc.
4400 Bayou Blvd Bldg 39, Pensacola, FL 32503, USA
Tim Taylor - Trident Home Loans, LLC
517 N Baylen St, Pensacola, FL 32501, USA
Guild Mortgage - James Coleman
3298 Summit Blvd STE 18, Pensacola, FL 32503, USA
Trident Home Loans - Jonathan Kulak & Team - VA, Conventional, FHA Loan Specialist
6723 Plantation Rd #32504, Pensacola, FL 32504, USA
Supreme Lending Pensacola
3298 Summit Blvd STE 18, Pensacola, FL 32503, USA
Legacy Mortgage Group - Rob Benson
3 W Garden St #519, Pensacola, FL 32502, USA
Kayla Cannon Movement Mortgage
1765 E 9 Mile Rd #6, Pensacola, FL 32514, USA
Guild Mortgage - Shellie Isakson Smith
3298 Summit Blvd STE 18, Pensacola, FL 32503, USA
Guild Mortgage Company
3298 Summit Blvd STE 18, Pensacola, FL 32503, USA
Nate Fain (Mortgage Loan Officer) NMLS 478026
1005 N 12th Ave, Pensacola, FL 32501, USA
University Lending Group
2000 W Garden St, Pensacola, FL 32502, USA
Lennar Mortgage, LLC Gulf Coast
25 W Cedar St Suite 101B, Pensacola, FL 32502, USA
Guild Mortgage - Christina Giese
3298 Summit Blvd STE 18, Pensacola, FL 32503, USA
Guild Mortgage - Craig Pitts
3298 Summit Blvd STE 18, Pensacola, FL 32503, USA
American Pacific Mortgage (NMLS #2632968)
3 W Garden St Suite 215-7, Pensacola, FL 32502, USA
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Frequently Asked Questions — Mortgage Brokers in Pensacola
What does a mortgage broker do differently than going directly to a bank in Pensacola?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Pensacola?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in FL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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