Mortgage lenders in St. Johns County
11,150 mortgages were made in St. Johns County, Florida, in 2025, by 585 lenders. The median rate their borrowers got was 6.399% on a median loan of $335,000. Of 14,702 decisions, 2,924 were denials — 19.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,033 | 6.490% | $395,000 | 12.5% |
| Rocket Mortgage, LLC | 662 | 6.750% | $255,000 | 17.3% |
| VYSTAR CREDIT UNION | 644 | 6.750% | $145,000 | 33.2% |
| LENNAR MORTGAGE, LLC | 534 | 4.500% | $355,000 | 9.9% |
| DHI MORTGAGE COMPANY, LTD. | 437 | 4.500% | $265,000 | 11.9% |
| JET HOMELOANS, LP | 433 | 4.990% | $395,000 | 2.0% |
| Ameris Bank | 335 | 6.490% | $355,000 | 12.4% |
| Navy Federal Credit Union | 278 | 7.750% | $200,000 | 27.6% |
| MATTAMY HOME FUNDING, LLC | 277 | 5.250% | $415,000 | 12.9% |
| Bank of America, National Association | 230 | 6.240% | $205,000 | 38.2% |
| PENNYMAC LOAN SERVICES, LLC | 226 | 6.624% | $385,000 | 11.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 224 | 6.375% | $515,000 | 7.7% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 202 | 7.120% | $155,000 | 20.8% |
| PULTE MORTGAGE LLC | 173 | 6.125% | $395,000 | 9.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 152 | 6.750% | $355,000 | 6.6% |
| Truist Bank | 145 | 6.340% | $205,000 | 37.4% |
| U.S. Bank National Association | 135 | 6.500% | $445,000 | 21.6% |
| Regions Bank | 117 | 5.875% | $395,000 | 29.9% |
| MOVEMENT MORTGAGE, LLC | 110 | 6.500% | $420,000 | 2.3% |
| FREEDOM MORTGAGE CORPORATION | 109 | 6.000% | $455,000 | 19.9% |
| Mortgage Research Center, LLC | 106 | 6.125% | $395,000 | 29.2% |
| UNION HOME MORTGAGE CORP. | 102 | 6.625% | $315,000 | 12.8% |
| THE LOAN STORE, INC. | 101 | 7.250% | $245,000 | 13.4% |
| NEWREZ LLC | 99 | 6.500% | $405,000 | 26.7% |
| EMM LOANS LLC | 99 | 6.375% | $445,000 | 1.9% |
| HOMEAMERICAN MORTGAGE CORPORATION | 96 | 4.688% | $400,000 | 11.2% |
| JPMorgan Chase Bank, National Association | 91 | 6.490% | $435,000 | 21.1% |
| Loandepot.Com, LLC | 89 | 6.990% | $195,000 | 22.0% |
| NVR Mortgage Finance, Inc. | 89 | 5.750% | $405,000 | 14.4% |
| KBHS HOME LOANS, LLC | 82 | 5.990% | $305,000 | 5.8% |
| PNC Bank, National Association | 80 | 7.610% | $185,000 | 37.1% |
| LOANPEOPLE, LLC | 77 | 6.624% | $435,000 | 1.3% |
| Citizens Bank, National Association | 73 | 7.400% | $325,000 | 25.3% |
| Fifth Third Bank, National Association | 72 | 7.500% | $155,000 | 31.0% |
| SPRING EQ, LLC | 69 | 9.275% | $75,000 | 65.7% |
| CMG MORTGAGE, INC. | 68 | 6.625% | $410,000 | 6.3% |
| NATIONSTAR MORTGAGE LLC | 66 | 8.313% | $115,000 | 22.1% |
| SouthState Bank, National Association | 65 | 7.150% | $255,000 | 26.6% |
| Third Federal Savings and Loan Association of Cleveland | 64 | 6.990% | $170,000 | 39.5% |
| Broker Solutions, Inc. | 63 | 6.625% | $385,000 | 12.5% |
| FIGURE LENDING LLC | 63 | 9.050% | $75,000 | 22.9% |
| GUARANTEED RATE, INC. | 63 | 6.625% | $425,000 | 15.8% |
| Wells Fargo Bank, National Association | 63 | 6.375% | $360,000 | 11.1% |
| PLANET HOME LENDING, LLC | 53 | 6.250% | $325,000 | 8.5% |
| Prosperity Home Mortgage, LLC | 51 | 6.750% | $425,000 | 8.9% |
| GUILD MORTGAGE COMPANY | 50 | 6.562% | $360,000 | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 49 | 6.500% | $405,000 | 7.6% |
| Coastal Community Bank | 45 | 9.740% | $65,000 | 4.5% |
| LAKEVIEW LOAN SERVICING, LLC | 44 | 6.250% | $365,000 | 56.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 37 | 7.750% | $145,000 | 19.2% |
| TD Bank, National Association | 37 | 7.590% | $255,000 | 30.2% |
| BETTER MORTGAGE CORPORATION | 35 | 8.000% | $205,000 | 42.6% |
| FIRST EQUITY MORTGAGE INCORPORATED | 35 | 6.125% | $525,000 | 5.4% |
| First Federal Bank | 34 | 6.250% | $370,000 | 8.1% |
| BARWICK BANKING COMPANY | 34 | Not published | $450,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 33 | 6.375% | $365,000 | 2.9% |
| KIND LENDING, LLC | 32 | 6.563% | $425,000 | 34.0% |
| RadiFi Credit Union | 32 | 6.125% | $345,000 | 3.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 32 | 6.120% | $520,000 | 2.7% |
| AmeriSave Mortgage Corporation | 30 | 7.875% | $115,000 | 62.8% |
| Fairway Independent Mortgage Corporation | 30 | 6.500% | $380,000 | 11.8% |
| Morgan Stanley Private Bank, National Association | 30 | 5.900% | $605,000 | 6.3% |
| SPACE COAST CREDIT UNION | 29 | 5.250% | $205,000 | 34.6% |
| PLAZA HOME MORTGAGE, INC. | 29 | 6.375% | $315,000 | 36.2% |
| EVERETT FINANCIAL, INC. | 28 | 6.875% | $360,000 | 9.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.250% | $325,000 | 9.4% |
| Texana Bank, National Association | 27 | 6.625% | $385,000 | 3.2% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 27 | 6.625% | $425,000 | 3.5% |
| ZILLOW HOME LOANS, LLC | 26 | 6.500% | $310,000 | 10.3% |
| A&D Mortgage LLC | 25 | 6.750% | $335,000 | 10.3% |
| Discover Bank | 24 | 8.800% | $100,000 | 71.9% |
| Plains Commerce Bank | 24 | 6.250% | $405,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 24 | 6.375% | $345,000 | 3.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 23 | 6.375% | $275,000 | 4.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 22 | 6.500% | $330,000 | 52.3% |
| Taylor Morrison Home Funding, Inc. | 22 | 4.750% | $345,000 | 21.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 22 | 7.312% | $390,000 | 8.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 21 | 10.165% | $145,000 | 8.7% |
| Equity Prime Mortgage LLC | 20 | 6.375% | $330,000 | 20.0% |
| Commerce Home Mortgage, Inc. | 20 | 7.438% | $295,000 | 13.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.375% | $390,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 20 | 6.750% | $415,000 | 4.0% |
| NATIONS DIRECT MORTGAGE, LLC | 20 | 6.750% | $505,000 | 9.1% |
| DEEPHAVEN MORTGAGE LLC | 19 | 7.250% | $335,000 | 34.5% |
| First Horizon Bank | 19 | 6.375% | $305,000 | 13.6% |
| United Community Bank | 19 | 6.500% | $335,000 | 24.1% |
| PENTAGON FEDERAL CREDIT UNION | 18 | 7.750% | $195,000 | 48.7% |
| Renasant Bank | 18 | 6.625% | $515,000 | 18.2% |
| Flagstar Bank, N.A. | 17 | 6.500% | $355,000 | 19.1% |
| FINANCE OF AMERICA REVERSE LLC | 17 | 6.500% | $235,000 | 19.1% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.250% | $445,000 | 22.7% |
| COASTAL LOANS, LLC | 17 | 4.990% | $265,000 | 0.0% |
| 98450058D88OE4463626 | 17 | 9.750% | $215,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 16 | 6.250% | $310,000 | 9.5% |
| RMC HOME MORTGAGE, LLC | 16 | 6.125% | $325,000 | 5.9% |
| Lendage, LLC | 16 | 10.500% | $85,000 | 19.1% |
| Bell Bank | 16 | 6.250% | $550,000 | 0.0% |
| RIGHT START MORTGAGE, INC. | 16 | 6.688% | $370,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 15 | 8.625% | $135,000 | 35.5% |
| CHAMPIONS FUNDING, LLC | 15 | 7.875% | $435,000 | 25.0% |
| COAST ONE MORTGAGE LLC | 15 | 6.625% | $375,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 15 | 6.625% | $295,000 | 6.3% |
| LOWER, LLC | 14 | 7.058% | $390,000 | 17.7% |
| Valley National Bank | 14 | 6.220% | $220,000 | 11.1% |
| RESOURCE FINANCIAL SERVICES, INC. | 14 | 6.495% | $475,000 | 6.7% |
| Bethpage Federal Credit Union | 13 | 6.990% | $125,000 | 38.1% |
| NBKC BANK | 13 | 5.990% | $505,000 | 27.8% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 7.000% | $345,000 | 10.5% |
| AMWEST FUNDING CORP. | 13 | 6.625% | $335,000 | 7.1% |
| NEXERA HOLDING LLC | 13 | 7.375% | $415,000 | 6.7% |
| Cornerstone First Mortgage, Inc | 13 | 7.625% | $335,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 13 | 6.625% | $465,000 | 7.1% |
| 254900M2C4Q6DATP2889 | 12 | 5.990% | $320,000 | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.563% | $430,000 | 7.7% |
| TrustCo Bank | 12 | 6.028% | $405,000 | 11.8% |
| Hometown Equity Mortgage, LLC | 12 | 7.250% | $335,000 | 43.5% |
| Kiavi Funding, Inc. | 12 | 10.325% | $250,000 | 13.3% |
| INSPIRE HOME LOANS INC. | 12 | 4.875% | $305,000 | 11.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.750% | $385,000 | 7.7% |
| Citadel Servicing Corporation | 12 | 7.563% | $390,000 | 0.0% |
| RESICENTRAL, LLC | 12 | 6.558% | $430,000 | 7.7% |
| COASTLINE FEDERAL CREDIT UNION | 12 | 6.750% | $150,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $365,000 | 59.3% |
| 21st Mortgage Corporation | 11 | 9.990% | $185,000 | 70.7% |
| ALLIANT CREDIT UNION | 11 | 7.500% | $245,000 | 45.0% |
| Tomo Mortgage, LLC | 11 | 6.250% | $535,000 | 0.0% |
| Suncoast Credit Union | 11 | 5.750% | $395,000 | 8.3% |
| UBS Bank USA | 11 | 5.750% | $905,000 | 8.3% |
| LENDINGONE, LLC | 10 | 11.250% | $185,000 | 52.4% |
| USAA Federal Savings Bank | 10 | 5.938% | $385,000 | 56.5% |
| Filo Mortgage, L.L.C. | 10 | 6.308% | $440,000 | 7.7% |
| Citibank, National Association | 10 | 7.463% | $155,000 | 33.3% |
| LoanUnited.com, LLC | 10 | 5.875% | $420,000 | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.061% | $445,000 | 21.4% |
| FBC MORTGAGE, LLC | 10 | 6.490% | $440,000 | 0.0% |
| HANCOCK WHITNEY BANK | 10 | 5.875% | $255,000 | 0.0% |
| Charles Schwab Bank, SSB | 10 | 5.750% | $910,000 | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 27.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FAIRWINDS CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Seacoast National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GRACE HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 26.7% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Synovus Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| First-Citizens Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Capital City Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GEO-CORP, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Florida Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Credit Union | 7 | Under 10 loans | Under 10 loans | 77.4% |
| MIDFLORIDA | 7 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST FLORIDA Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| MORTGAGE EQUITY PARTNERS LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NETWORK FUNDING, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 212 LOANS, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 18.2% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CAMPUS USA CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 385 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Johns County
61 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| JPMorgan Chase Bank, National Association | 10 | $901.6 million |
| Truist Bank | 8 | $585.2 million |
| Bank of America, National Association | 6 | $1.8 billion |
| Wells Fargo Bank, National Association | 6 | $1.2 billion |
| Fifth Third Bank, National Association | 6 | $475.0 million |
| Ameris Bank | 5 | $691.7 million |
| PNC Bank, National Association | 4 | $225.6 million |
| SouthState Bank, National Association | 3 | $395.6 million |
| Regions Bank | 3 | $235.8 million |
| TD Bank, National Association | 2 | $166.2 million |
| Barwick Banking Company | 1 | $267.8 million |
| United Community Bank | 1 | $185.6 million |
| First-Citizens Bank & Trust Company | 1 | $138.9 million |
| Valley National Bank | 1 | $124.0 million |
| Capital City Bank | 1 | $48.5 million |
| Central Bank | 1 | $47.0 million |
| First Horizon Bank | 1 | $29.8 million |
| Pinnacle Bank | 1 | $3.5 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- JPMorgan Chase Bank, National Association, 260 Front St, Ponte Vedra Beach
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When the next year’s lending figures are out for St. Johns County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.