Florida › Jacksonville › Alcova Mortgage LLC
Alcova Mortgage LLC
Alcova Mortgage LLC is a mortgage lender: it funds loans with its own money or credit lines, then keeps, services or sells them (Fla. Stat. 494.001(24); CFPB: “a financial institution that makes direct loans”). It has 5 licensed Florida offices: Crystal River, Jacksonville, Orlando, Palmetto, Spring Hill. Its principal office is in Roanoke, VA.
| Kind | Mortgage lender |
| License or charter | Florida mortgage lender (Chapter 494), status Approved |
| NMLS id | 40508 (company); branches 1458429, 1877602, 2648997, 2649007, 2691090 |
| Florida offices | Crystal River, Jacksonville, Orlando, Palmetto, Spring Hill |
| Legal entity | Alcova Mortgage LLC, LEI 549300RYBJHWWDENV610, Active |
| Counties | Citrus, Duval, Hernando, Manatee, Orange |
| Website | alcovamortgage.com |
| Phone | (855) 462-5268 |
Loan types Alcova Mortgage LLC lists
Read from the firm’s own website on 2026-10-16. Lender-stated, not verified by LendResearch. Each links to the other Jacksonville firms offering it.
- 1099 income loans
- Bank statement loans
- Bridge loans
- Cash out refinance
- Conventional mortgages
- DSCR loans
- FHA loans
- First time home buyer loans and programs
- Investment property and rental loans
- Jumbo loans
- Refinance
- Reverse mortgages
- Second home mortgages
- Florida Housing and Hometown Heroes loans
- USDA loans
- VA loans
Loan mix from federal filings
| Florida loans originated, 2025 | 158 |
| Applications | 210 |
| Denial rate | 4% |
| Conventional / FHA / VA / USDA | 57% / 28% / 13% / 2% |
| Purchase / refinance / cash out | 89% / 11% / 0% |
| Home improvement / other purpose | 0% / 0% |
| Investor and second home share | 11% |
| Dollar volume | $54,480,000 |
| Top counties | Duval (21), Citrus (19), Marion (12), Lake (9), Volusia (8) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by Alcova Mortgage LLC. Counts are loans in Florida only.
Alcova Mortgage LLC offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Crystal River | 358 Ne 3rd St 34429 | (352) 422-7625 | Branch, NMLS 2649007 |
| Jacksonville | 8647 Baypine Road Suite 203 32256 | Branch, NMLS 1458429 | |
| Orlando | 1060 Woodcock Rd, Ste 101 32803 | (407) 751-1670 | Branch, NMLS 1877602 |
| Palmetto | 4555 Crestpoint Way 34221 | (813) 789-0968 | Branch, NMLS 2648997 |
| Spring Hill | 11359 Topaz St 34608 | (352) 610-9406 | Branch, NMLS 2691090 |
As of October 15, 2026Source: Florida OFR office and branch records. Addresses are as filed; call before visiting.
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Duval County at a glance
| Mortgage applications filed in 2025 | 46,349 |
| Loans originated | 21,490 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 17% |
| Investor and second home share | 12% |
| Dollar volume originated | $6,887,330,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $580,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Duval County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.