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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 FHA Mortgage Bank Lenders in Jacksonville
Updated February 5, 2026
Market Overview
13
Total Lenders
24,732
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Florida Capital Bank, National Association | Exceptional | Exceptional | Sound | Strong | Strong | $1,130 | +0.310% | 67 | |
2 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,859 | +0.284% | 745 | |
3 | Bank of England | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,300 | +0.155% | 510 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $312 | -0.027% | 312 | |
5 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $2,127 | -0.009% | 174 | |
6 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,052 | +0.130% | 241 | |
7 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,614 | +0.223% | 162 | |
8 | SouthState Bank, National Association | Strong | Strong | Strong | Strong | Sound | $2,662 | +0.283% | 64 | |
9 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,518 | -0.012% | 251 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Sound | $1,650 | +0.017% | 64 | |
11 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,947 | -0.061% | 203 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,306 | +0.286% | 186 | |
13 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,212 | +0.479% | 75 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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