Mortgage Lenders and Brokers in Jacksonville Beach, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Jacksonville Beach, Florida mortgage lenders include Bank of America NABank of America NA860 Marsh Landing Pkwy, Jacksonville Beach, FL 32250A+5.0 ★Texas Ratio: 4.14%, Ameris BankAmeris Bank1315 3rd St S, Jacksonville Beach, FL 32250A+5.0 ★Texas Ratio: 1.82%, Wells Fargo Bank NAWells Fargo Bank NA3740 South 3rd Street (a1a), Jacksonville Beach, FL 32250A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA300 Beach Blvd #101, Jacksonville Beach, FL 32250A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%, VyStar Credit UnionVyStar Credit Union100 3rd St N, Jacksonville Beach, FL 32250A5.0 ★Texas Ratio: 9.56%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Radifi Federal Credit UnionRadifi Federal Credit Union801 Atlantic Blvd, Atlantic Beach, FL 32233, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Jacksonville Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Jacksonville Beach are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Jacksonville Beach, Florida
Market share is the lender's share of all home loans closed in Jacksonville Beach, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Jacksonville Beach 860 Marsh Landing Pkwy, Jacksonville Beach, FL 32250 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 13 +16 HELOCs |
2.9% | 92.9% | $1,028,076 | View |
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★ 4 stars, 1 review 2 offices in Jacksonville Beach 1315 3rd St S, Jacksonville Beach, FL 32250 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA, Jumbo, HELOC | 11 +1 HELOCs |
2.5% | 100% | $695,909 | View |
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2 offices in Jacksonville Beach 3740 South 3rd Street (a1a), Jacksonville Beach, FL 32250 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 10 | 2.2% | 83.3% | $560,000 | View |
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1 office in Jacksonville Beach 300 Beach Blvd #101, Jacksonville Beach, FL 32250 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $455,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Jacksonville Beach 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +9 HELOCs |
0.2% | 100% | $385,000 | View |
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100 3rd St N, Jacksonville Beach, FL 32250 A5.0 ★Texas Ratio: 9.56% |
Conventional, FHA, Jumbo, HELOC | 29 +20 HELOCs |
6.5% | 82.9% | $531,896 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 7 +2 HELOCs |
1.6% | 77.8% | $386,428 | View |
Radifi Federal Credit Union
801 Atlantic Blvd, Atlantic Beach, FL 32233 |
Conventional, Jumbo | 5 | 1.1% | 71.4% | $311,000 | |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 4 +6 HELOCs |
0.9% | 57.1% | $750,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 4 +4 HELOCs |
0.9% | 100% | $765,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +3 HELOCs |
0.7% | 100% | $481,666 | View |
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16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 3 | 0.7% | 100% | $898,333 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 3 | 0.7% | 75% | $1,235,000 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.4% | 100% | $790,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 0.4% | 66.7% | $285,000 | View |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
Conventional, Jumbo | 2 | 0.4% | 100% | $625,000 | View |
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101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 2 | 0.4% | 100% | $845,000 | View |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 0.4% | 100% | $620,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $65,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $475,000 | View |
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130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,205,000 | View |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,495,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.2% | 100% | $705,000 | View |
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3100 N Military Trl, Boca Raton, FL 33431 A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,045,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, Jumbo, HELOC | 18 +19 HELOCs |
4% | 64.3% | $246,666 | View |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 1.6% | 100% | $450,714 | |
Jet HomeLoans, LP
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Conventional, VA | 4 | 0.9% | 100% | $492,500 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.7% | 60% | $231,666 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.4% | 100% | $420,000 | |
First Equity Mortgage Bankers Inc.
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Conventional | 1 | 0.2% | 100% | $265,000 | |
DG Pinnacle Funding, LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 67 +1 HELOCs |
15.1% | 94.4% | $547,835 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 33 | 7.4% | 86.8% | $275,909 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 29 +1 HELOCs |
6.5% | 100% | $507,413 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 18 +10 HELOCs |
4% | 81.8% | $373,888 | |
Loanpeople, LLC
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Conventional, FHA, Jumbo | 9 | 2% | 100% | $442,777 | |
Pennymac Loan Services LLC
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Conventional, FHA | 8 | 1.8% | 88.9% | $387,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 7 | 1.6% | 100% | $443,571 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 7 | 1.6% | 100% | $872,142 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 7 | 1.6% | 100% | $1,459,285 | View |
Guaranteed Rate, Inc.
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Conventional, FHA, Jumbo | 5 | 1.1% | 71.4% | $993,000 | |
loanDepot.com LLC
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Conventional | 5 | 1.1% | 100% | $219,000 | |
Guild Mortgage Company
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Conventional, Jumbo | 5 | 1.1% | 75% | $369,000 | |
Network Funding, L.P.
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Conventional | 5 | 1.1% | 100% | $437,000 | |
The Loan Store, Inc
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Conventional, HELOC | 4 +4 HELOCs |
0.9% | 100% | $552,500 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA, Jumbo, HELOC | 3 +1 HELOCs |
0.7% | 100% | $745,000 | View |
EMM Loans LLC
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Conventional | 3 | 0.7% | 100% | $451,666 | |
Union Home Mortgage Corp.
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Conventional | 3 | 0.7% | 100% | $421,666 | |
Planet Home Lending, LLC
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Conventional, VA | 3 | 0.7% | 100% | $538,333 | |
Provident Funding Associates
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Conventional | 3 | 0.7% | 100% | $418,333 | |
Fairway Independent Mort Corp
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Conventional | 3 | 0.7% | 75% | $441,666 | |
Primelending
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Conventional | 2 | 0.4% | 100% | $335,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, VA | 2 | 0.4% | 100% | $360,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, VA | 2 | 0.4% | 100% | $370,000 | View |
Sage Home Loans Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $280,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.4% | 66.7% | $395,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, Jumbo | 2 | 0.4% | 100% | $700,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,050,000 | View |
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A+5.0 ★Texas Ratio: 0.40% |
Conventional | 2 | 0.4% | 100% | $435,000 | View |
Cardinal Financial Company, Li
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Conventional | 2 | 0.4% | 100% | $440,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 50% | $70,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 50% | $145,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 2 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 2 | 0.4% | 60% | $430,000 | View |
Texana Bank
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Conventional | 2 | 0.4% | 100% | $515,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $155,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $525,000 | |
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A5.0 ★Texas Ratio: 13.68% |
Conventional | 1 | 0.2% | 100% | $745,000 | View |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.2% | 100% | $595,000 | View |
Originpoint, LLC
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VA | 1 | 0.2% | 100% | $645,000 | |
American Airlines Federal Cred
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Conventional | 1 | 0.2% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,005,000 | View |
Servion
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Everett Financial, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,155,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $345,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 50% | $85,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.2% | 50% | $435,000 | |
Mayo Employees Federal Credit Union
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Conventional | 1 | 0.2% | 50% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $425,000 | View |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 100% | $85,000 | |
American Security Mortgage Cor
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Securitynational Mortgage Company
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VA | 1 | 0.2% | 100% | $565,000 | |
Bank of Colorado
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Peoples Mortgage Company
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Conventional, Jumbo | 1 | 0.2% | 100% | $845,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,565,000 | |
Mortgage Research Center
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VA, Jumbo | 1 | 0.2% | 25% | $815,000 | |
Lake Michigan Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,105,000 | |
Acopia, LLC
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
FHA | 1 | 0.2% | 100% | $555,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $845,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.2% | 100% | $245,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $795,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $975,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.2% | 100% | $605,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $505,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 60% | $445,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +4 HELOCs |
0% | 20% | ||
All In Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Jacksonville Beach Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Jacksonville Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Jacksonville Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Jacksonville Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Jacksonville Beach, FL
Use these to narrow the list above. Each category shows how many Jacksonville Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Jacksonville Beach, FL
Independent mortgage companies closed 60.4 percent of home loans in Jacksonville Beach, Florida in 2025, banks 22 percent and credit unions 17.5 percent. Freedom Mortgage Corporation was the largest mortgage company, Bank of America NA the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 29 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.
More Florida Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Jacksonville Beach, FL
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Jacksonville Beach, Florida with 13 loans, about 2.9 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 29 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Jacksonville Beach, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 94.4 percent, against a 87.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Jacksonville Beach, Florida in 2025, led by United Wholesale Mortgage with 6. 21 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 37 banks and 16 credit unions closed home loans in Jacksonville Beach, Florida in 2025, alongside 65 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Jacksonville Beach, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Jacksonville Beach, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Jacksonville Beach. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
