Safe Rate Rankings

Best All Lender Mortgage Lenders in Jacksonville

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders50

Total Loans3,688

Median Rate Spread0.00%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$574Fees	0.550%Below	484
2	STATE EMPLOYEES'Credit Union	Strong	Strong	Strong	Strong	$2,061Fees	0.690%Below	51
3	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	$760Fees	0.989%Below	31
4	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$835Fees	0.335%Below	21
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$867Fees	0.148%Below	287
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,512Fees	0.576%Below	130
7	AAFMAA Mortgage Services LLCIndependent Mortgage Company	Strong	Strong	Sound	Strong	$891Fees	0.173%Below	44
8	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Sound	$1,640Fees	0.069%Below	35
9	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Sound	$2,150Fees	0.847%Below	25
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,725Fees	0.022%Above	314
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$802Fees	0.205%Above	235
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,220Fees	0.259%Above	221
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,490Fees	0.161%Below	113
14	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,900Fees	0.081%Above	50
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,050Fees	0.539%Below	48
16	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,152Fees	0.052%Below	33
17	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$559Fees	0.023%Below	24
18	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,134Fees	0.224%Above	24
19	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$5,279Fees	0.536%Above	414
20	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,654Fees	0.244%Above	97
21	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,653Fees	0.245%Above	65
22	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,483Fees	0.223%Above	58
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,841Fees	0.160%Above	45
24	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,865Fees	0.026%Below	23
25	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$733Fees	0.030%Above	216
26	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,706Fees	0.001%Above	84
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,619Fees	0.268%Above	83
28	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,978Fees	0.303%Below	34
29	Primis Mortgage CompanyIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,692Fees	0.162%Above	32
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,026Fees	0.140%Below	28
31	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$3,557Fees	0.573%Above	24
32	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,271Fees	0.167%Above	22
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,765Fees	0.324%Above	23
34	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$5,748Fees	1.299%Above	28

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.