I would use Gulf Winds or Regions. I have been a member of Pen Air for 25 years and their loan department is very "hit and miss". I have bought and sold 9 boats and have never used Pen Air. I have tried but never could get the customer service I thought was deserved.
Example: I bought a new boat that was valued at $42,000. My credit rating was/is over 800, I needed to borrow $9,000 on the $42,000 boat. After 1 hour of filling out paper work and waiting I was approved but not did not qualify for the lowest rate. I told them maybe their guidelines were a little to strict. At the same time every car dealer in the area had 0% financing so you know they weren't very busy. I went to my truck in the parking lot, called Gulf Winds, in 5 minutes they approved me at a better rate than Pen Air and told methey would have my check waiting for me. I walked back in Pen Air and told the loan officer they needed to get a little more customer friendly.