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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 Jumbo 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $844 | -0.523% | 646 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $312 | -0.027% | 312 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,947 | -0.061% | 203 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,644 | -0.264% | 174 | |
5 | COMMUNITY FIRST CREDIT UNION OF FLO | Exceptional | Exceptional | Strong | Sound | Exceptional | -$836 | -0.150% | 204 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $469 | -0.407% | 66 | |
7 | VYSTAR CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,527 | -0.015% | 501 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,154 | +0.032% | 128 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $912 | +0.007% | 77 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,045 | +0.144% | 3,026 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,314 | +0.206% | 1,737 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,093 | +0.229% | 488 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,134 | +0.055% | 481 | |
14 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $2,518 | -0.012% | 251 | |
15 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,183 | +0.421% | 229 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.286% | 186 | |
17 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,859 | +0.284% | 745 | |
18 | Renasant Bank | Strong | Sound | Exceptional | Strong | Sound | $2,958 | +0.058% | 65 | |
19 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $784 | +0.086% | 58 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,273 | +0.446% | 415 | |
21 | Capital City Home Loans, LLC | Strong | Sound | Strong | Sound | Strong | $2,369 | +0.239% | 113 | |
22 | Bank of England | Strong | Acceptable | Strong | Acceptable | Exceptional | $2,300 | +0.155% | 510 | |
23 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,428 | +0.658% | 199 |
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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