Safe Rate Rankings

Best Conventional Mortgage Lenders in Jacksonville

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders183

Total Loans24,732

Median Rate Spread0.23%

Jacksonville Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Jacksonville, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Jacksonville, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Jacksonville, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Jacksonville: Rocket Mortgage (#4) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Jacksonville

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$3,045Fees	0.144%Above	3,026
2	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$844Fees	0.523%Below	646
3	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$312Fees	0.027%Below	312
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,314Fees	0.206%Above	1,737
5	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,859Fees	0.284%Above	745
6	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,644Fees	0.264%Below	174
7	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,154Fees	0.032%Above	128
8	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,134Fees	0.055%Above	481
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,306Fees	0.286%Above	186
10	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Sound	$469Fees	0.407%Below	66
11	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,093Fees	0.229%Above	488
12	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,650Fees	0.017%Above	64
13	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,947Fees	0.061%Below	203
14	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$795Fees	0.106%Below	67
15	JET HOMELOANS, LP Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$1,912Fees	0.705%Below	542
16	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$2,127Fees	0.009%Below	174
17	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,898Fees	0.485%Above	309
18	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,052Fees	0.130%Above	241
19	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,183Fees	0.421%Above	229
20	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,273Fees	0.446%Above	415
21	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$49Fees	0.562%Above	280
22	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,518Fees	0.012%Below	251
23	COMMUNITY FIRST CREDIT UNION OF FLO Credit UnionDirect	Strong	Exceptional	Sound	Sound	Exceptional	$836Credit	0.150%Below	204
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,258Fees	0.461%Above	172
25	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,776Fees	0.382%Above	135
26	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$912Fees	0.007%Above	77
27	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,018Fees	0.040%Above	272
28	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,453Fees	0.354%Above	193
29	SouthState Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Sound	$2,662Fees	0.283%Above	64
30	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,993Fees	0.249%Above	209
31	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,150Fees	0.160%Above	190
32	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,243Fees	0.295%Above	179
33	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,614Fees	0.223%Above	162
34	Capital City Home Loans, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,369Fees	0.239%Above	113
35	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,918Fees	0.192%Above	94
36	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,331Fees	0.217%Above	87
37	VYSTAR CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Sound	Exceptional	$2,527Fees	0.015%Below	501
38	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,084Fees	0.275%Above	101
39	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,958Fees	0.058%Above	65
40	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,242Fees	0.204%Above	62
41	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,925Fees	0.070%Above	216
42	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,718Fees	0.442%Above	107
43	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,212Fees	0.479%Above	75
44	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	Exceptional	$2,729Fees	0.067%Below	463
45	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,577Fees	0.346%Above	135
46	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,050Fees	0.274%Above	99
47	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,903Fees	0.548%Above	130
48	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$4,617Fees	0.408%Above	108
49	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$3,765Fees	0.171%Above	86
50	FIRST EQUITY MORTGAGE INCORPORATED Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$935Fees	0.093%Below	53

❓ Frequently Asked Questions

How are mortgage lenders ranked in Jacksonville, FL?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Jacksonville, FL), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Jacksonville, FL?+

Based on 2024 HMDA data, 183 lenders originated a combined 24,732 loans in Jacksonville, FL. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Jacksonville, FL?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Jacksonville, FL is 0.23%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Jacksonville, FL's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.