Directory
Mortgage lenders in Northeast Florida
Three Loan Estimates, collected in the same week, compared side by side. Do that one thing and you will save more money than any tip anybody gives you all year.
Read this first
How to compare lenders without getting talked into anything
For a long time my resources page said I had a short list of lenders and to ask for the intro. That is still true and I am still happy to make one. But a private list handed out by an agent is not the same as information you can check, so here is the checkable version.
- Ask each lender for a Loan Estimate. It is a federally standardised three-page form. Every lender's looks the same, which is exactly the point.
- Gather them within a few days of each other. Rates change. Estimates from different weeks cannot be compared.
- Read page two, not the headline rate. Origination charges and discount points are where the difference actually lives.
- Say what you are buying on the first call. Acreage, manufactured home, well and septic, or a two-to-four unit — each of those rules some lenders out, and you want to find that out now rather than in underwriting.
- Verify both NMLS IDs, the company's and the individual loan officer's, at NMLS Consumer Access.
Shopping several lenders will not hurt your credit. Mortgage inquiries inside a short window are scored as one event. Being afraid of that is the single most expensive misunderstanding first-time buyers carry.
Credit unions
Jacksonville-headquartered credit unions
Membership eligibility applies and is usually easier to meet than people expect — one of the three below states eligibility for anyone who lives, works, worships or attends school in Duval, Clay, St. Johns, Nassau or Baker counties.
RadiFi Credit Union
Jacksonville, FL
- Phone
- (904) 475-8000
- Website
- www.radificu.org
- Company NMLS ID
- 450148
- Its site lists
- Fixed-rate mortgages, 15, 20 and 30 year, Low and no down payment options, No Closing Cost Mortgage, Home equity loans and lines, Refinance
Formerly Jax Federal Credit Union. FHA, VA and USDA are not named on their mortgage page.
VyStar Credit Union
Jacksonville, FL
- Phone
- (904) 777-6000
- Website
- vystarcu.org
- Company NMLS ID
- 416319
- Its site lists
- Fixed and adjustable conventional, VA Military Heroes Program, Everyday Heroes mortgage, Construction-to-permanent, Renovation-to-permanent, Home equity loans and lines
A credit union, so you have to be eligible for membership. FHA and USDA are not named on their home-loans page.
Alive Credit Union
Jacksonville, FL
- Phone
- (904) 296-1292
- Website
- www.alivecu.coop
- Company NMLS ID
- 422880
- Its site lists
- Conventional, FHA, VA, USDA Rural, Jumbo, HERO Home Loan for police, fire, EMT and medical first-time buyers, City Home Loan rate discount for eligible City employees, Headstart to Home Ownership down payment assistance
Their HERO product page states a 720 minimum credit score. A credit union, so membership eligibility applies.
Rural and military
Companies that publish USDA and VA lending
If you are buying in Baker County or out on the Clay County edges, USDA Rural Development may be your best route and not every lender writes it well. Likewise VA, if you or your spouse served. These companies name those programs on their own websites.
North Star Mortgage Network Inc.
Jacksonville, FL
- Phone
- (904) 880-6741
- Website
- www.nsmn.com
- Company NMLS ID
- 356789
- Its site lists
- Conventional, FHA, VA, USDA, Jumbo, Non-QM including bank statement and DSCR, Manufactured home, Down payment assistance, Florida Hometown Heroes, Florida Bond, Construction, Renovation, Reverse mortgage
A broker rather than a direct lender — their site says they shop the file across a panel of wholesale lenders. They publish dedicated Hometown Heroes and Florida Bond pages and county pages for St. Johns, Clay and Nassau.
Nelcor Inc., trading as North Florida Mortgage
Jacksonville, FL
- Phone
- (904) 389-4635
- Website
- nflmortgage.com
- Company NMLS ID
- 378379
- Its site lists
- Conventional, FHA, VA, USDA, Jumbo, Bank statement, Refinance
A family-owned brokerage. Their site publishes area pages for Jacksonville, St. Johns and Ponte Vedra, Orange Park and Clay County, Nassau and Amelia Island, and Flagler and Palm Coast.
First Florida Financial, Inc., trading as First Florida Mortgage
Jacksonville and Orange Park, FL
- Phone
- (904) 422-6466
- Website
- jacksonvillefloridamortgages.com
- Company NMLS ID
- 392021
- Its site lists
- Conventional, FHA, VA, USDA, Jumbo, New construction, Condominium, Manufactured home, Second mortgages
Their site also shows separate branch NMLS numbers for individual offices. The number above is the company's. Their Orange Park branch publishes its own number, (904) 434-6792.
First Federal Bank
Florida (no Northeast Florida street address published)
- Phone
- (800) 645-7104
- Website
- www.ffbf.com
- Company NMLS ID
- 408902
- Its site lists
- Conventional, FHA, VA, USDA, Jumbo, Construction-to-permanent, VA construction-to-permanent, Manufactured housing, Down payment assistance
An FDIC-insured nationally chartered mutual savings bank. Their own partner page lists a Northeast Florida loan-officer team. Their Building Communities down payment product is limited to specific census tracts in Clay, Duval and Marion counties. NMLS 408902 also appears on the Florida Housing participating-lender list.
Florida Capital Bank, N.A. (FLCBank)
Jacksonville, FL
- Phone
- (866) 380-6222
- Website
- www.floridacapitalbank.com
- Company NMLS ID
- 790396
- Its site lists
- First-time buyer programs, Down payment assistance, Fixed and adjustable rate, FHA, VA, USDA, Jumbo, Bridge loans, Home equity and HELOC
Started as a Jacksonville community bank and is now nationally chartered with branches in Gainesville, Jacksonville, Orlando and Tampa Bay. NMLS 790396 also appears on the Florida Housing participating-lender list.
FLVMC LLC, trading as Florida's VA Mortgage Center
Jacksonville, FL (branch); Tampa, FL (corporate)
- Phone
- (727) 777-4999
- Website
- flvmc.com
- Company NMLS ID
- 1299512
- Its site lists
- VA purchase, VA IRRRL streamline refinance, VA cash-out refinance
A VA-only lender. Their site carries the standard notice that they are a VA-approved lender and are not endorsed or sponsored by the Department of Veterans Affairs. Their Jacksonville branch has its own NMLS number, 2682943.
Brokers
Local brokers and mortgage bankers
A broker does not lend its own money — it places your file with a wholesale lender. On an unusual file, like a manufactured home on acreage, that access is often what gets the deal done.
First Coast Mortgage Funding
Jacksonville, FL
- Phone
- (904) 217-5450
- Website
- firstcoastmortgagefunding.com
- Company NMLS ID
- 1953441
- Its site lists
- Purchase, Refinance
An independent mortgage broker. Their site lists a large team of individual loan officers, each with their own NMLS number — ask for the number of the person you actually work with, not just the company's.
Mortgages By Linda, Inc.
Jacksonville, FL
- Phone
- (877) 832-6625
- Website
- mortgagesbylinda.com
- Company NMLS ID
- 1057426
A brokerage. Their site says they work with more than fifteen wholesale lenders but does not name specific loan programmes, so none are listed here — ask them directly which programmes they can place.
Down payment help
If you want Florida Housing assistance, ask on the first call
Florida Housing down payment assistance, including Hometown Heroes, can only be originated by an approved participating lender or by a broker who can place the file with one. The program administrator, eHousingPlus, publishes the current participating-lender list at ehpuniversity.com/fhfc-lenders.
Two of the companies on this page publish an NMLS ID that also appears on that list, and one broker markets the program on its own site. That is an observation about their advertising, not a judgement of their service. There is more detail on my down payment assistance page.
Being straight with you
What is missing from this page
Eleven companies is short for a region this size, and the reason matters: every entry had to be verified by loading that company's own site and reading the fact off the page. Several of the largest and most obvious local names serve pages that could not be read at all.
- Community First Credit Union of Florida and 121 Financial Credit Union are both substantial Jacksonville institutions and both are absent for that reason alone.
- Ameris Bank, EverBank and Jet HomeLoans are absent for the same reason.
- Small-town Baker County banking relationships are not represented here at all, and for some buyers those are worth a phone call before anything on this list.
- National and online-only lenders are outside the scope of this page.
- Absence from this list is not a judgement about any company.
Common questions
Do you get paid if I use one of these lenders?
No. No fee, no referral payment, no arrangement of any kind. If I ever did have a financial relationship with a settlement service provider, federal law would require me to disclose it to you in writing, and I would put it on this page too.
Credit union, bank or broker?
Depends on your file. Credit unions are often cheapest on a straightforward loan. Brokers shop many wholesale lenders, which helps when the property or the income is unusual. Banks can be simplest if you already bank there. Get one of each and let the Loan Estimates decide.
Can these lenders finance a manufactured home on acreage?
Some can and some cannot, and it depends on the age of the home, the foundation and how it is titled. Ask that specific question on the first call rather than at application.
What is an NMLS ID?
A unique number in the Nationwide Multistate Licensing System, held by both the company and the individual loan officer, and free to search at NMLS Consumer Access. Anyone originating a mortgage will give you theirs without hesitating.
Should I use the builder's preferred lender in a new-construction community?
You can, and the incentives are sometimes genuinely worth taking. You are never required to. Get their Loan Estimate plus two others and compare the total cost with the incentive included.
Want a shorter list than this one?
Tell me what you are buying and what you are working with, and I will point you at two or three places to start. Then I will stay out of it while you compare them properly.
Important notices
Not an endorsement, and not a referral. The companies listed here are provided as a convenience only. Listing is not a recommendation, endorsement, referral or warranty of any lender, rate, product or service. Amanda Kinard receives no fee, commission, kickback, rebate or compensation of any kind, direct or indirect, in connection with any lender named on this page, and no lender paid or gave anything of value to be listed.
You are entirely free to choose any lender, including one not shown here, and you should compare offers from more than one before you apply.
Nothing on this page is a loan offer, a commitment to lend, a rate quote or financial advice. Amanda Kinard is a licensed Florida REALTOR®, not a licensed mortgage loan originator. Loan programs, terms, fees and eligibility rules change frequently.
Every fact here — company name, city, phone, website, NMLS ID and the programs shown — was read from that company's own website on 4 August 2026 and is reproduced as published there. Verify any company or loan originator at nmlsconsumeraccess.org before doing business with them.
No ranking, rating or claim of relative quality is made or implied, and the order of entries carries no meaning beyond the section headings.
Everywhere else on Amanda Kinard, REALTOR®
Every guide, market report and neighborhood page on this site, grouped by county.