🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Jacksonville
Updated February 5, 2026
Market Overview
183
Total Lenders
24,732
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $844 | -0.523% | 646 | |
2 | COMMUNITY FIRST CREDIT UNION OF FLO | Exceptional | Exceptional | Sound | Exceptional | -$836 | -0.150% | 204 | |
3 | JET HOMELOANS, LP | Exceptional | Strong | Strong | Exceptional | $1,912 | -0.705% | 542 | |
4 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | $49 | +0.562% | 280 | |
5 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $2,127 | -0.009% | 174 | |
6 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $1,302 | -0.727% | 121 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $469 | -0.407% | 66 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,045 | +0.144% | 3,026 | |
9 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $2,859 | +0.284% | 745 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $312 | -0.027% | 312 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,644 | -0.264% | 174 | |
12 | Truist Bank | Strong | Strong | Strong | Strong | $1,154 | +0.032% | 128 | |
13 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $912 | +0.007% | 77 | |
14 | Jax Federal Credit Union | Strong | Exceptional | Acceptable | Strong | -$3 | +0.228% | 76 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $795 | -0.106% | 67 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,134 | +0.055% | 481 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,729 | -0.067% | 463 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,947 | -0.061% | 203 | |
19 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,650 | +0.017% | 64 | |
20 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $935 | -0.093% | 53 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,314 | +0.206% | 1,737 | |
22 | VYSTAR CREDIT UNION | Strong | Sound | Sound | Exceptional | $2,527 | -0.015% | 501 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,093 | +0.229% | 488 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,018 | +0.040% | 272 | |
25 | Regions Bank | Strong | Sound | Strong | Strong | $2,518 | -0.012% | 251 | |
26 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,925 | +0.070% | 216 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,306 | +0.286% | 186 | |
28 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | $2,369 | +0.239% | 113 | |
29 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,918 | +0.192% | 94 | |
30 | Florida Capital Bank, National Association | Strong | Sound | Strong | Strong | $1,130 | +0.310% | 67 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,118 | +0.395% | 592 | |
32 | Bank of England | Strong | Acceptable | Strong | Exceptional | $2,300 | +0.155% | 510 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,898 | +0.485% | 309 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,183 | +0.421% | 229 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $1,993 | +0.249% | 209 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,243 | +0.295% | 179 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,258 | +0.461% | 172 | |
38 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,776 | +0.382% | 135 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,084 | +0.275% | 101 | |
40 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,765 | +0.171% | 86 | |
41 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $2,662 | +0.283% | 64 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,273 | +0.446% | 415 | |
43 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,052 | +0.130% | 241 | |
44 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,453 | +0.354% | 193 | |
45 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,150 | +0.160% | 190 | |
46 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,614 | +0.223% | 162 | |
47 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,510 | +0.437% | 146 | |
48 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Strong | $2,138 | +0.161% | 145 | |
49 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,813 | +0.770% | 128 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,548 | +0.180% | 125 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Jacksonville, FL
No credit impact
3-minute process
100% free