Mortgage Lenders in Bay County, Florida

10 verified lenders ranked by county experience score and trust score.

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Min ratingNMLS verified onlyBBB A+ only

Showing 1–10 of 10 lenders

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Blissful Mortgage LLC

Panama City Beach · Florida · Serves Bay County, Florida

BrokerNMLS VerifiedBBB A+

4.9(175 reviews)

Premier Panama City Beach broker with 21+ years serving the Emerald Coast — beach, military, and investor expertise.

ConventionalFHAVAUSDA21+ Years Local

NMLS: 1668138
Trust Score: 96/100
County Exp.: 98/100
Close est.*: ~26 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Florida's VA Mortgage Center (Eglin / Panhandle)

Fort Walton Beach · Florida · Serves Bay County, Florida

LenderNMLS VerifiedBBB A

4.9(165 reviews)

Dedicated Panhandle VA specialist serving Eglin, Hurlburt, and military communities across Northwest Florida.

VARefinanceVA Loans

NMLS: 1299512
Trust Score: 94/100
County Exp.: 96/100
Close est.*: ~30 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

First Commerce Financial

Jacksonville · Florida · Serves Bay County, Florida

BrokerNMLS VerifiedBBB A+

4.9(165 reviews)

VA and physician program specialists serving military communities near NAS Jacksonville and Mayport.

ConventionalFHAVARefinanceVA Loans

NMLS: 137512
Trust Score: 94/100
County Exp.: 96/100
Close est.*: ~28 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

New American Funding (Panama City)

Panama City · Florida · Serves Bay County, Florida

LenderNMLS VerifiedBBB A

4.9(280 reviews)

Panama City branch with excellent client ratings and experienced Panhandle originator team.

ConventionalFHAVAJumboPanama City Branch

NMLS: 6606
Trust Score: 92/100
County Exp.: 91/100
Close est.*: ~30 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Eglin Federal Credit Union (VA Loans)

Fort Walton Beach · Florida · Serves Bay County, Florida

Credit UnionNMLS VerifiedBBB A+

4.9(380 reviews)

Military-affiliated credit union near Eglin AFB — VA and conventional loans with no origination fees.

ConventionalVARefinanceEglin AFB

NMLS: 440642
Trust Score: 91/100
County Exp.: 94/100
Close est.*: ~31 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Trident Home Loans LLC

Pensacola · Florida · Serves Bay County, Florida

BrokerNMLS VerifiedBBB A+

4.9(195 reviews)

Pensacola-area independent broker — deep Panhandle market knowledge for beach, military, and retirement buyers.

ConventionalFHAVARefinancePensacola Independent

NMLS: 65716
Trust Score: 91/100
County Exp.: 92/100
Close est.*: ~24 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Guild Mortgage (Panama City / Panhandle)

Panama City · Florida · Serves Bay County, Florida

LenderNMLS VerifiedBBB A

4.8(420 reviews)

Top national lender with dedicated Panhandle loan officers — Bay, Okaloosa, and Walton branch access.

ConventionalFHAVAJumboPanhandle Branches

NMLS: 3274
Trust Score: 91/100
County Exp.: 90/100
Close est.*: ~31 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

CrossCountry Mortgage (Panhandle / Veterans Lending)

Pensacola · Florida · Serves Bay County, Florida

LenderNMLS VerifiedBBB A

4.8(310 reviews)

Veteran-centric lending for NAS Pensacola, Eglin, and Hurlburt Field military families across the Panhandle.

ConventionalFHAVARefinanceVA & Military

NMLS: 3029
Trust Score: 90/100
County Exp.: 92/100
Close est.*: ~30 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Panhandle Credit Union

Panama City · Florida · Serves Bay County, Florida

Credit UnionNMLS VerifiedBBB A

4.8(140 reviews)

Local community credit union with competitive member rates for residential and VA home loans in Bay County.

ConventionalFHAVARefinanceCommunity Credit Union

NMLS: 2163677
Trust Score: 89/100
County Exp.: 90/100
Close est.*: ~32 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Acrisure Mortgage (Panhandle)

Panama City · Florida · Serves Bay County, Florida

LenderNMLS VerifiedBBB A+

4.8(220 reviews)

Top 10 national lender with Panhandle operations — FHA, VA, conventional, and jumbo across the Emerald Coast.

ConventionalFHAVAJumboNational Volume

NMLS: 152859
Trust Score: 88/100
County Exp.: 87/100
Close est.*: ~29 days

*Editorial estimate — not an NMLS/CFPB field. Methodology