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10 Best Jacksonville Mortgage Lenders of 2021

NerdWallet has narrowed the field to some of the best-rated mortgage companies in Jacksonville, Florida.

Last updated on January 21, 2021
NerdWallet
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NerdWallet
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NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

10 Best Jacksonville Mortgage Lenders of 2021

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Lender
NerdWallet Rating
Min. credit score
Min. down payment
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Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

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at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
4.5
/5
Home loans overall
Best for online convenience

620

1%

Learn more
at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
loanDepot

loanDepot: NMLS#174457

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4.0
/5
Home loans overall
Best for customer service

620

3%

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Navy Federal

Navy Federal: NMLS#399807

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5.0
/5
VA loans
Best for military members and their families

N/A

0%

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PrimeLending

PrimeLending: NMLS#13649

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4.0
/5
Home loans overall
Best for closing costs assistance

620

3%

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SunTrust (Truist)

SunTrust (Truist): NMLS#2915

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4.5
/5
Home loans overall
Best for first-time home buyers

620

3%

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Flagstar

Flagstar: NMLS#417490

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5.0
/5
Home loans overall
Best for a wide variety of loan products

N/A

5%

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on NerdWallet
Bank of America

Bank of America: NMLS#399802

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4.5
/5
Home loans overall
Best for a wide variety of loan products

660

5%

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on NerdWallet
Chase

Chase: NMLS#399798

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4.0
/5
Home loans overall
Best for a wide variety of loan products

620

3%

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on NerdWallet
USAA

USAA: NMLS#8722

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4.5
/5
VA loans
Best for military members and their families

N/A

0%

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Caliber

Caliber: NMLS#15622

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3.0
/5
Home loans overall
Best for first-time home buyers

620

3%

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on NerdWallet

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

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

To recap our selections...

NerdWallet's Best Jacksonville Mortgage Lenders of 2021

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