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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 VA 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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $760 | -0.989% | 31 | |
3 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,150 | -0.847% | 25 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $867 | -0.148% | 287 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,512 | -0.576% | 130 | |
6 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $835 | -0.335% | 21 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,725 | +0.022% | 314 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,490 | -0.161% | 113 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,050 | -0.539% | 48 | |
10 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Sound | $5,353 | +0.044% | 11 | |
11 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $733 | +0.030% | 216 | |
12 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,900 | +0.081% | 50 | |
13 | AAFMAA Mortgage Services LLC | Exceptional | Strong | Strong | Strong | Strong | $891 | -0.173% | 44 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Acceptable | $6,374 | -0.088% | 10 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,220 | +0.259% | 221 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,706 | +0.001% | 84 | |
17 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,978 | -0.303% | 34 | |
18 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,026 | -0.140% | 28 | |
19 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $1,830 | +0.092% | 14 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,279 | +0.536% | 414 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $802 | +0.205% | 235 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,653 | +0.245% | 65 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,483 | +0.223% | 58 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,841 | +0.160% | 45 | |
25 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $1,152 | -0.052% | 33 | |
26 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,692 | +0.162% | 32 | |
27 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | Sound | $559 | -0.023% | 24 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,557 | +0.573% | 24 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,865 | -0.026% | 23 | |
30 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,662 | -0.059% | 15 | |
31 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $1,654 | +0.244% | 97 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,619 | +0.268% | 83 | |
33 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Sound | $2,134 | +0.224% | 24 | |
34 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Sound | Strong | Strong | Sound | $610 | -0.103% | 11 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,765 | +0.324% | 23 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,271 | +0.167% | 22 | |
37 | Mid-Continent Funding, Inc. | Strong | Sound | Strong | Sound | Sound | $2,301 | -0.384% | 13 | |
38 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,587 | +0.134% | 12 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,710 | -0.141% | 13 | |
40 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,748 | +1.299% | 28 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,657 | +0.737% | 18 | |
42 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $5,550 | +0.391% | 14 |
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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