10 Best Jacksonville Mortgage Lenders of 2021
NerdWallet has narrowed the field to some of the best-rated mortgage companies in Jacksonville, Florida.
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Jacksonville, Florida, can measure its appeal by the numbers. It has an average commute time of just 25 minutes and 24 annual music festivals. The sun shines on more than 90 miles of area beaches 220 days of the year. An equally impressive number of companies serve the mortgage needs of the 1.6 million residents in the seven-county area.
Because there is a significant military presence across the First Coast, lenders that specialize in mortgages guaranteed by the Department of Veterans Affairs and that cater to first-time home buyers are in high demand.
The challenge for borrowers who want to comparison shop is finding a workable number of high-performing loan providers.
Here are some of the best-rated lenders NerdWallet has reviewed in various borrower categories. We’ve highlighted some local favorites, too. All are among the mortgage lenders that do the most business in Jacksonville.
Jacksonville, Florida, can measure its appeal by the numbers. It has an average commute time of just 25 minutes and 24 annual music festivals. The sun shines on more than 90 miles of area beaches 220 days of the year. An equally impressive number of companies serve the mortgage needs of the 1.6 million residents in the seven-county area.
Because there is a significant military presence across the First Coast, lenders that specialize in mortgages guaranteed by the Department of Veterans Affairs and that cater to first-time home buyers are in high demand.
The challenge for borrowers who want to comparison shop is finding a workable number of high-performing loan providers.
Here are some of the best-rated lenders NerdWallet has reviewed in various borrower categories. We’ve highlighted some local favorites, too. All are among the mortgage lenders that do the most business in Jacksonville.
Best Jacksonville Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online convenience | 620 | 3% | Learn more at Rocket Mortgage, LLC |
![]() loanDepot: NMLS#174457 | Best for customer service | 620 | 5% | Read review |
![]() Navy Federal: NMLS#399807 | Best for military members and their families | N/A | 0% | Read review |
![]() PrimeLending: NMLS#13649 | Best for closing costs assistance | 620 | 3% | Read review |
![]() SunTrust (Truist): NMLS#2915 | Best for first-time home buyers | 620 | 3% | Read review |
![]() Flagstar: NMLS#417490 | Best for a wide variety of loan products | 620 | 3% | Read review |
![]() Bank of America: NMLS#399802 | Best for a wide variety of loan products | 660 | 5% | Read review |
![]() Chase: NMLS#399798 | Best for a wide variety of loan products | 620 | 3% | Read review |
![]() USAA: NMLS#8722 | Best for military members and their families | 640 | 0% | Read review |
![]() Caliber: NMLS#15622 | Best for first-time home buyers | 620 | 3% | Read review |

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%SunTrust (Truist): NMLS#2915

Min. credit score
620Min. down payment
3%Flagstar: NMLS#417490

Min. credit score
620Min. down payment
3%Bank of America: NMLS#399802

Min. credit score
660Min. down payment
5%National / regional
NationalChase: NMLS#399798

Min. credit score
620Min. down payment
3%Caliber: NMLS#15622

Min. credit score
620Min. down payment
3%Local mortgage lenders in Jacksonville
It’s always a good idea to include a local lender or two in your search for the best mortgage deal. These Jacksonville companies are among the highest-volume mortgage lenders in northeast Florida, though they have not been reviewed by NerdWallet.
The largest credit union based in northeast Florida and the second-largest mortgage lender in the region by loan volume.
Will pay up to $5,000 in borrower closing costs on certain home loans.
Makes credit union membership available to those who live or work in the Jacksonville area.
While now splashed across the Jacksonville Jaguars’ stadium, many will recognize the bank’s legacy brand as a provider of teacher retirement programs.
Allows you to lock your interest rate before you find a home to purchase.
Offers a one-closing construction loan that allows for an 18-month building phase and long-term interest rate lock.
While the name may seem to imply otherwise, every loan decision is made within the local branch.
Claims to close loans “50% faster than the national average.”
Offers bond loans to assist with closing costs.
Started as the in-house lender for a leading homebuilder.
Offers a program to help credit-challenged buyers qualify for homeownership.
Offers an online pre-qualification form to start the homebuying process.
More from NerdWallet
Last updated on January 21, 2021
Methodology
To recap our selections...
NerdWallet's Best Jacksonville Mortgage Lenders of 2021
- Rocket Mortgage, LLC: Best for online convenience
- loanDepot: Best for customer service
- Navy Federal: Best for military members and their families
- PrimeLending: Best for closing costs assistance
- SunTrust (Truist): Best for first-time home buyers
- Flagstar: Best for a wide variety of loan products
- Bank of America: Best for a wide variety of loan products
- Chase: Best for a wide variety of loan products
- USAA: Best for military members and their families
- Caliber: Best for first-time home buyers