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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 Conventional Mortgage Lenders in Jacksonville
Updated February 5, 2026
Market Overview
50
Total Lenders
3,688
Total Loans
0.00%
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 | $574 | -0.550% | 484 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Strong | $2,061 | -0.690% | 51 | |
3 | First Bank | Exceptional | Exceptional | Strong | Strong | Sound | $977 | -0.028% | 15 | |
4 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $2,900 | +0.081% | 50 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,274 | -0.108% | 18 | |
6 | North State Bank | Exceptional | Exceptional | Sound | Strong | Sound | $1,908 | +0.243% | 12 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,220 | +0.259% | 221 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,706 | +0.001% | 84 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,134 | +0.224% | 24 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,725 | +0.022% | 314 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $867 | -0.148% | 287 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $802 | +0.205% | 235 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512 | -0.576% | 130 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,653 | +0.245% | 65 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $3,557 | +0.573% | 24 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,865 | -0.026% | 23 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,513 | +0.707% | 12 | |
18 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $733 | +0.030% | 216 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,490 | -0.161% | 113 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,619 | +0.268% | 83 | |
21 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,483 | +0.223% | 58 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,841 | +0.160% | 45 | |
23 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $1,152 | -0.052% | 33 | |
24 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $559 | -0.023% | 24 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Acceptable | $6,374 | -0.088% | 10 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $5,279 | +0.536% | 414 | |
27 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $1,654 | +0.244% | 97 | |
28 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Sound | $1,640 | -0.069% | 35 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,026 | -0.140% | 28 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,765 | +0.324% | 23 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,271 | +0.167% | 22 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,662 | -0.059% | 15 | |
33 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,692 | +0.162% | 32 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,961 | +0.116% | 10 | |
35 | AAFMAA Mortgage Services LLC | Sound | Sound | Mediocre | Acceptable | Strong | $891 | -0.173% | 44 |
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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