Jacksonville FHA Loan Rates, Closing Costs & Stats

JACKSONVILLE, FL

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Jacksonville's 226 lenders originated 6,964 FHA loans during 2024. The total origination value was $2,107,840,000, with an average FHA loan value of $302,677.

    Jacksonville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Jacksonville averaged 6.53% for the week of 2025-07-18, compared to the national average (all FHA variants) of 6.527% for the same period.

    Jacksonville's average FHA mortgage closing costs are $9,267.

    The average rate for the prior week (2025-07-11) was 6.43% and one month ago for the week of 2025-06-13, the average rate was 6.19%.

    The average rate one year ago was 6.45%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.31%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Jacksonville FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Jacksonville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 893 6.18% $14,367
    DHI MORTGAGE COMPANY, LTD. 672 4.81% $8,388
    QUICKEN LOANS, LLC 381 6.26% $13,009
    EAGLE HOME MORTGAGE, LLC 316 4.96% $11,672
    HOMEAMERICAN MORTGAGE CORPORATION 211 4.94% $6,862
    Bank of England 196 6.23% $12,456
    JET HOMELOANS, LLC 170 5.37% $13,476
    Ameris Bank 168 5.47% $8,087
    LOANDEPOT.COM, LLC 167 6.15% $13,342
    FREEDOM MORTGAGE CORPORATION 163 6.26% $13,290
    GUILD MORTGAGE COMPANY 160 6.57% $12,168
    KBHS HOME LOANS, LLC 143 5.74% $12,330
    CROSSCOUNTRY MORTGAGE, LLC 126 6.49% $14,111
    CARDINAL FINANCIAL 109 6.21% $13,018
    PENNYMAC LOAN SERVICES, LLC 106 6.16% $13,281
    Equity Prime Mortgage LLC 105 6.75% $12,776
    MOVEMENT MORTGAGE, LLC 95 6.44% $12,941
    EVERETT FINANCIAL, INC. 90 6.66% $11,673
    INSPIRE HOME LOANS INC. 82 5.21% $11,868
    PULTE MORTGAGE LLC 78 4.97% $8,228
    FBC MORTGAGE, LLC 68 5.38% $11,444
    Paramount Residential Mortgage Group, Inc. 64 6.43% $15,178
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 63 6.61% $12,183
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 58 6.47% $12,481
    EMM LOANS LLC 58 6.44% $13,057
    CMG MORTGAGE, INC. 56 6.63% $13,329
    Flagstar Bank, FSB 55 6.04% $10,658
    Plains Commerce Bank 52 6.27% $13,586
    AMERICAN PACIFIC MORTGAGE CORPORATION 48 6.32% $14,888
    BROKER SOLUTIONS, INC. 48 6.64% $13,841
    Century Mortgage Company DBA Century Lending Company 39 6.15% $14,580
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 39 6.64% $8,705
    PLAZA HOME MORTGAGE, INC. 37 6.84% $13,536
    LOANPEOPLE, LLC 36 5.96% $12,725
    SWBC MORTGAGE CORPORATION 34 6.75% $7,595
    Prosperity Home Mortgage, LLC 34 6.41% $10,860
    NEWREZ LLC 34 6.47% $12,914
    First Federal Bank 31 6.39% $10,080
    MATTAMY HOME FUNDING, LLC 29 5.66% $12,515
    Carrington Mortgage Services, LLC 28 6.36% $13,328
    UNION HOME MORTGAGE CORP. 27 6.54% $12,194
    NVR Mortgage Finance, Inc. 27 6.00% $11,355
    TOWNE MORTGAGE COMPANY 26 6.28% $14,844
    LAKEVIEW LOAN SERVICING, LLC 25 6.44% $9,263
    Mr. Cooper ( Nationstar Mortgage ) 25 6.46% $13,604
    VYSTAR 24 7.29% $7,749
    SUN WEST MORTGAGE COMPANY, INC. 23 6.22% $15,861
    PLANET HOME LENDING, LLC 23 6.47% $11,879
    JMAC LENDING, INC. 22 6.07% $12,965
    PRIMELENDING, A PLAINSCAPITAL COMPANY 21 6.77% $12,205
    AMERICAN FINANCIAL NETWORK, INC. 20 6.78% $15,497
    STOCKTON MORTGAGE CORPORATION 20 6.25% $13,507
    MUTUAL OF OMAHA MORTGAGE, INC. 20 6.34% $16,450
    VILLAGE CAPITAL MORTGAGE 18 6.53% $9,682
    Network Funding, L.P. 18 6.56% $13,592
    LOANPAL, LLC 18 5.57% $13,098
    AMERICAN FINANCIAL RESOURCES, INC. 17 6.43% $14,929
    NATIONS DIRECT MORTGAGE, LLC 17 6.22% $14,251
    Regions Bank 16 6.01% $12,505
    Mortgage Research Center, LLC 15 6.64% $8,831
    U.S. Bank 15 6.43% $12,214
    GUARANTEED RATE, INC. 15 6.59% $11,773
    The Loan Store, Inc. 14 6.11% $15,276
    City Lending Inc. 14 6.87% $13,877
    AMERISAVE MORTGAGE CORPORATION 14 6.19% $16,567
    AFFORDABLE MORTGAGE ADVISORS, LLC. 14 6.51% $12,296
    Gateway First Bank 14 6.66% $12,065
    Alcova Mortgage LLC 14 6.48% $9,329
    Wells Fargo Bank 13 5.82% $15,859
    Hancock Whitney Bank 12 6.03% $10,030
    WATSON MORTGAGE CORP. 11 6.77% $10,704
    HOMESIDE FINANCIAL, LLC 11 6.26% $12,454
    First Option Mortgage, LLC 11 6.74% $12,349
    MILEND, INC. 11 6.60% $16,430
    CHURCHILL MORTGAGE CORPORATION 10 6.46% $13,820
    Keystone Funding, Inc. 10 6.30% $13,422
    MORTGAGE SOLUTIONS OF COLORADO, LLC 9 6.97% $15,031
    MID AMERICA MORTGAGE, INC. 9 7.10% $13,223
    Nations Lending Corporation 9 6.78% $10,976
    ZILLOW HOME LOANS, LLC 8 6.22% $11,797
    NFM, INC. 8 6.56% $12,790
    Mortgage Lenders Investment Trading Corporation 7 6.88% $10,572
    Florida Capital Bank 7 6.04% $12,777
    Sierra Pacific Mortgage Company, Inc. 7 6.16% $13,652
    OCEANSIDE MORTGAGE COMPANY 7 5.95% $10,079
    Waterstone Mortgage Corporation 7 7.07% $14,590
    South State Bank 7 6.66% $10,100
    AMERICAN FINANCING CORPORATION 6 6.02% $12,765
    Lakeview Community Capital, LLC 6 6.73% $8,143
    JPMorgan Chase Bank 6 5.98% $10,316
    PNC Bank 6 6.23% $10,737
    OCMBC, INC. 6 6.88% $14,631
    The Federal Savings Bank 6 6.77% $16,475
    ABSOLUTE HOME MORTGAGE CORPORATION 5 6.65% $14,888
    FIRST COLONY MORTGAGE CORPORATION 5 6.08% $12,434
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.10% $14,826
    THE MORTGAGE LINK, INC. 5 6.95% $18,385
    GENEVA FINANCIAL, LLC 5 6.30% $13,134
    TBI MORTGAGE COMPANY 5 5.80% $19,745
    RELIANCE FIRST CAPITAL, LLC 5 6.65% $14,479
    Summit Mortgage Corporation 5 6.20% $17,762
    HOMEOWNERS FINANCIAL GROUP USA, LLC 5 6.63% $10,570
    VERITAS FUNDING, LLC 5 6.45% $16,843
    NATIONWIDE MORTGAGE BANKERS, INC. 4 6.81% $10,460
    ALLIED MORTGAGE GROUP, INC. 4 6.06% $13,828
    AmeriHome Mortgage Company, LLC 4 6.09% $10,875
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 4 6.78% $10,231
    Loan Simple, Inc. 4 6.65% $9,760
    MICHIGAN MUTUAL, INC. 4 6.50% $13,407
    OPEN MORTGAGE, LLC 4 6.13% $14,466
    Renasant Bank 4 6.75% $9,421
    RESOURCE FINANCIAL SERVICES, INC. 4 6.81% $13,346
    RUOFF MORTGAGE COMPANY, INC. 4 6.31% $7,620
    T2 FINANCIAL LLC 4 6.69% $12,589
    TJC Mortgage, Inc. 4 6.00% $20,383
    Fifth Third Bank 3 6.33% $10,283
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 3 6.67% $11,499
    South Pacific Financial Corporation 3 5.25% $11,426
    Barrington Bank & Trust Company, N.A. 3 7.08% $11,506
    Cornerstone First Mortgage, Inc 3 5.13% $17,606
    M&T Bank 3 6.38% $13,640
    NETWORK CAPITAL FUNDING CORPORATION 3 6.29% $21,904
    Capital City Home Loans, LLC 3 6.50% $14,040
    VAN DYK MORTGAGE CORPORATION 3 6.79% $6,677
    Synovus Bank 3 6.71% $8,412
    Bank of America 3 6.25% $7,410
    TruHome Solutions, LLC 3 6.46% $5,406
    DIRECT MORTGAGE LOANS, LLC 3 6.29% $19,335
    MY MORTGAGE, INC. 3 7.04% $11,985
    LADERA LENDING, INC. 3 6.08% $12,680
    SECURITYNATIONAL MORTGAGE COMPANY 3 6.50% $13,512
    Bell Bank 3 6.08% $12,951
    LIBERTY HOME MORTGAGE CORPORATION 3 6.46% $17,188
    NORWICH COMMERCIAL GROUP, INC. 2 6.56% $10,811
    Truist 2 6.25% $10,078
    Residential Acceptance Corporation 2 6.56% $17,312
    United Community Bank 2 6.13% $9,441
    UNITED MORTGAGE CORP 2 6.13% $15,714
    EMBRACE HOME LOANS, INC. 2 6.69% $8,708
    Atlantic Coast Mortgage, LLC 2 6.44% $9,065
    US MORTGAGE CORPORATION 2 6.63% $14,625
    Valley National Bank 2 5.75% $13,779
    FIRST COMMUNITY MORTGAGE, INC. 2 6.06% $17,927
    CLIFFCO, INC. 2 6.19% $13,537
    INTELLILOAN, INC. 2 6.00% $10,688
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 6.50% $7,608
    MORTGAGEONE, INC. 2 6.38% $12,419
    AXIA FINANCIAL, LLC 2 6.88% $9,263
    RESIDENTIAL BANCORP 2 5.37% $13,733
    ALKAN MORTGAGE CORPORATION 2 6.50% $16,001
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.44% $17,203
    V.I.P. MORTGAGE, INC. 2 6.69% $10,497
    NEW DAY FINANCIAL, LLC 2 7.31% $6,325
    CANOPY MORTGAGE, LLC 2 6.75% $14,531
    Strong Home Mortgage, LLC 2 5.88% $12,201
    FIRST EQUITY MORTGAGE INCORPORATED 2 6.06% $14,514
    CALCON MUTUAL MORTGAGE LLC 2 8.19% $14,412
    DAS Acquisition Company, LLC 2 6.75% $12,529
    BETTER MORTGAGE CORPORATION 2 5.94% $13,872
    Wolfe Financial, Inc 2 7.25% $11,675
    CORNERSTONE HOME LENDING, INC. 2 6.44% $17,998
    BAY EQUITY LLC 2 6.31% $10,498
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.50% $12,947
    GUARANTEED RATE AFFINITY, LLC 2 6.19% $12,760
    TOP FLITE FINANCIAL, INC. 2 7.13% $22,116
    Academy Bank 1 6.25% $11,573
    TOTAL MORTGAGE SERVICES, LLC 1 6.50% $10,837
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 6.13% $13,438
    University Bank 1 5.75% $11,695
    Arvest Bank 1 6.50% $10,028
    AmRes Corporation 1 6.75% $22,487
    Ixonia Bank 1 6.63% $6,182
    Integrity Home Mortgage Corp 1 5.25% $19,308
    Hometown Equity Mortgage, LLC 1 7.13% $27,098
    HOMESTEAD FUNDING CORP. 1 5.49% $13,309
    Home Mortgage Alliance Corp 1 8.25% $5,740
    LEADERONE FINANCIAL CORPORATION 1 6.99% $10,395
    AMERITRUST MORTGAGE CORPORATION 1 7.00% $13,847
    Goldwater Bank, N.A. 1 6.75% $6,251
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.75% $31,112
    Meridian Bank Corporation 1 6.25% $20,252
    GARDNER FINANCIAL SERVICES, LTD. 1 6.50% $8,976
    Mid-Continent Funding, Inc. 1 6.25% $10,383
    Franklin Loan Corporation 1 6.25% $18,210
    MORIA DEVELOPMENT, INC. 1 7.00% $7,042
    MORTGAGE EQUITY PARTNERS LLC 1 5.63% $11,932
    FIRST MORTGAGE COMPANY, INC. 1 6.63% $12,016
    First Horizon Bank 1 6.13% $11,353
    First Heritage Mortgage, LLC 1 5.88% $8,846
    FIRST CONTINENTAL MORTGAGE, LTD. 1 6.25% $9,262
    MSA MORTGAGE, LLC 1 6.13% $14,103
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.63% $15,395
    FAIR WAY LENDING LLC 1 5.50% $8,239
    ENVOY MORTGAGE, LTD 1 6.00% $7,664
    ENDEAVOR CAPITAL, LLC. 1 6.25% $1,883
    Encompass Lending Group, LP 1 5.88% $10,222
    Northpointe Bank 1 5.00% $10,026
    OceanFirst Bank 1 6.13% $11,541
    Easthampton Savings Bank 1 6.00% $11,319
    ON Q FINANCIAL, INC. 1 5.75% $11,599
    Paramount Bank 1 6.63% $14,132
    DIRECT MORTGAGE, CORP. 1 6.13% $27,662
    DG PINNACLE FUNDING LLC 1 6.75% $7,927
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $11,599
    PHH Mortgage Corporation 1 5.49% $12,372
    DELMAR FINANCIAL COMPANY 1 5.49% $11,859
    DATA MORTGAGE, INC. 1 6.13% $11,768
    POINT Mortgage 1 7.75% $14,553
    POLARIS HOME FUNDING CORP. 1 6.13% $11,065
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.00% $18,000
    Premium Mortgage Corporation 1 6.63% $11,646
    CONTOUR MORTGAGE CORPORATION 1 6.63% $11,920
    COMPASS MORTGAGE, INC. 1 6.25% $11,913
    RANLIFE, INC. 1 8.25% $5,417
    CityWorth Mortgage LLC 1 6.75% $12,783
    City National Bank of Florida 1 6.13% $13,255
    AMERICAN BANCSHARES MORTGAGE 1 7.38% $13,775
    ROYAL UNITED MORTGAGE LLC 1 7.63% $12,023
    ACOPIA, LLC 1 7.00% $11,184
    Seacoast National Bank 1 6.25% $9,718
    CASTLE & COOKE MORTGAGE, LLC 1 7.25% $18,510
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.50% $11,813
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.75% $7,632
    Blue Ridge Bank 1 6.38% $8,866
    BELEM SERVICING LLC 1 6.63% $14,710
    THE MORTGAGE FIRM, INC. 1 6.50% $10,492

    The top Jacksonville FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 893 FHA loans originated. Their average total fees are $14,367, which is $5,979 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Jacksonville FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($6,862), SWBC MORTGAGE CORPORATION ($7,595), VYSTAR ($7,749), Ameris Bank ($8,087) and PULTE MORTGAGE LLC ($8,228).

    The lowest rate Jacksonville FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.81%), HOMEAMERICAN MORTGAGE CORPORATION (4.94%), EAGLE HOME MORTGAGE, LLC (4.96%), PULTE MORTGAGE LLC (4.97%) and INSPIRE HOME LOANS INC. (5.21%).

    Jacksonville FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    JACKSONVILLE, FL BAKER 2022 $432,400 $553,550 $669,100 $831,550
    JACKSONVILLE, FL CLAY 2022 $432,400 $553,550 $669,100 $831,550
    JACKSONVILLE, FL DUVAL 2022 $432,400 $553,550 $669,100 $831,550
    JACKSONVILLE, FL NASSAU 2022 $432,400 $553,550 $669,100 $831,550
    JACKSONVILLE, FL ST. JOHNS 2022 $432,400 $553,550 $669,100 $831,550
    JACKSONVILLE, FL BAKER 2023 $526,700 $674,250 $815,050 $1,012,900
    JACKSONVILLE, FL CLAY 2023 $526,700 $674,250 $815,050 $1,012,900
    JACKSONVILLE, FL DUVAL 2023 $526,700 $674,250 $815,050 $1,012,900
    JACKSONVILLE, FL NASSAU 2023 $526,700 $674,250 $815,050 $1,012,900
    JACKSONVILLE, FL ST. JOHNS 2023 $526,700 $674,250 $815,050 $1,012,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).