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.

» MORE: Find out about Florida first-time home buyer programs

To help, NerdWallet has narrowed the field to some of the best-rated lenders we’ve 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.

NerdWallet’s best Jacksonville mortgage lenders

» MORE: Check Jacksonville mortgage rates

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.

Vystar Credit Union

  • 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.

Bank of England

  • 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.

DHI Mortgage

  • 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.

Best Jacksonville mortgage lenders: Summary

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