Home purchase lenders in St. Johns County
7,027 home purchase mortgages were made in St. Johns County, Florida, in 2025, by 464 lenders. The median rate their borrowers got was 6.125% on a median loan of $385,000. Of 7,994 decisions, 747 were denials — 9.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 694 | 6.500% | $395,000 | 9.8% |
| LENNAR MORTGAGE, LLC | 534 | 4.500% | $355,000 | 9.9% |
| DHI MORTGAGE COMPANY, LTD. | 437 | 4.500% | $265,000 | 11.9% |
| JET HOMELOANS, LP | 424 | 4.990% | $395,000 | 2.1% |
| MATTAMY HOME FUNDING, LLC | 277 | 5.250% | $415,000 | 12.9% |
| Ameris Bank | 265 | 6.375% | $405,000 | 3.6% |
| TOLL BROTHERS MORTGAGE COMPANY | 224 | 6.375% | $515,000 | 7.7% |
| Rocket Mortgage, LLC | 220 | 6.375% | $385,000 | 14.5% |
| PULTE MORTGAGE LLC | 173 | 6.125% | $395,000 | 9.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 127 | 6.688% | $355,000 | 3.8% |
| VYSTAR CREDIT UNION | 125 | 5.750% | $455,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 116 | 6.562% | $480,000 | 7.2% |
| Navy Federal Credit Union | 102 | 6.125% | $405,000 | 6.4% |
| U.S. Bank National Association | 99 | 6.490% | $585,000 | 4.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | 96 | 4.688% | $400,000 | 11.2% |
| EMM LOANS LLC | 92 | 6.375% | $455,000 | 1.0% |
| Mortgage Research Center, LLC | 91 | 6.250% | $395,000 | 6.1% |
| MOVEMENT MORTGAGE, LLC | 89 | 6.500% | $435,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 89 | 5.750% | $405,000 | 14.4% |
| UNION HOME MORTGAGE CORP. | 87 | 6.625% | $315,000 | 11.2% |
| KBHS HOME LOANS, LLC | 82 | 5.990% | $305,000 | 5.8% |
| LOANPEOPLE, LLC | 75 | 6.624% | $435,000 | 1.3% |
| Regions Bank | 64 | 6.125% | $630,000 | 4.0% |
| Bank of America, National Association | 62 | 6.000% | $475,000 | 24.4% |
| JPMorgan Chase Bank, National Association | 57 | 6.490% | $515,000 | 15.9% |
| Broker Solutions, Inc. | 56 | 6.625% | $385,000 | 3.5% |
| GUARANTEED RATE, INC. | 50 | 6.550% | $435,000 | 8.9% |
| NEWREZ LLC | 49 | 6.375% | $435,000 | 10.9% |
| CMG MORTGAGE, INC. | 49 | 6.375% | $455,000 | 1.8% |
| Prosperity Home Mortgage, LLC | 48 | 6.750% | $420,000 | 5.9% |
| THE LOAN STORE, INC. | 47 | 6.490% | $365,000 | 2.0% |
| GUILD MORTGAGE COMPANY | 46 | 6.562% | $360,000 | 7.4% |
| Wells Fargo Bank, National Association | 45 | 6.250% | $425,000 | 6.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 44 | 6.500% | $415,000 | 8.3% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 43 | 6.250% | $345,000 | 8.5% |
| PLANET HOME LENDING, LLC | 41 | 6.375% | $315,000 | 6.8% |
| FREEDOM MORTGAGE CORPORATION | 36 | 5.990% | $475,000 | 16.3% |
| FIRST EQUITY MORTGAGE INCORPORATED | 35 | 6.125% | $525,000 | 5.4% |
| Truist Bank | 34 | 5.870% | $480,000 | 5.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 31 | 6.250% | $525,000 | 2.8% |
| Citizens Bank, National Association | 30 | 6.438% | $620,000 | 23.1% |
| SouthState Bank, National Association | 29 | 6.875% | $355,000 | 26.8% |
| First Federal Bank | 29 | 6.250% | $375,000 | 3.3% |
| Paramount Residential Mortgage Group, Inc. | 28 | 6.313% | $375,000 | 3.5% |
| EVERETT FINANCIAL, INC. | 25 | 6.750% | $345,000 | 7.4% |
| ZILLOW HOME LOANS, LLC | 25 | 6.500% | $315,000 | 7.4% |
| Fairway Independent Mortgage Corporation | 25 | 6.563% | $425,000 | 0.0% |
| Texana Bank, National Association | 24 | 6.625% | $380,000 | 3.7% |
| Plains Commerce Bank | 24 | 6.250% | $405,000 | 0.0% |
| BARWICK BANKING COMPANY | 24 | Not published | $410,000 | 0.0% |
| KIND LENDING, LLC | 23 | 6.750% | $445,000 | 28.1% |
| PLAZA HOME MORTGAGE, INC. | 23 | 6.490% | $315,000 | 25.8% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 23 | 6.625% | $405,000 | 4.0% |
| A&D Mortgage LLC | 23 | 6.625% | $335,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 22 | 4.750% | $345,000 | 21.4% |
| Loandepot.Com, LLC | 22 | 6.433% | $340,000 | 4.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.438% | $285,000 | 4.8% |
| Morgan Stanley Private Bank, National Association | 19 | 5.800% | $605,000 | 9.5% |
| RadiFi Credit Union | 19 | 5.625% | $515,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.375% | $380,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 18 | 6.438% | $400,000 | 4.6% |
| COASTAL LOANS, LLC | 17 | 4.990% | $265,000 | 0.0% |
| PNC Bank, National Association | 16 | 6.500% | $395,000 | 23.8% |
| RMC HOME MORTGAGE, LLC | 16 | 6.125% | $325,000 | 5.9% |
| Renasant Bank | 15 | 6.625% | $525,000 | 11.8% |
| Flagstar Bank, N.A. | 15 | 6.625% | $355,000 | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 15 | 6.750% | $405,000 | 0.0% |
| Fifth Third Bank, National Association | 14 | 6.450% | $485,000 | 26.3% |
| COAST ONE MORTGAGE LLC | 14 | 6.625% | $390,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 7.312% | $395,000 | 12.5% |
| RESOURCE FINANCIAL SERVICES, INC. | 14 | 6.495% | $475,000 | 6.7% |
| RIGHT START MORTGAGE, INC. | 14 | 6.688% | $370,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | 7.313% | $315,000 | 12.5% |
| NATIONS DIRECT MORTGAGE, LLC | 14 | 6.865% | $565,000 | 12.5% |
| Equity Prime Mortgage LLC | 13 | 6.625% | $315,000 | 13.3% |
| First Horizon Bank | 13 | 6.250% | $505,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 13 | 6.125% | $315,000 | 5.9% |
| BETTER MORTGAGE CORPORATION | 12 | 6.125% | $530,000 | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.563% | $430,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 12 | 4.875% | $305,000 | 11.8% |
| Bell Bank | 12 | 6.313% | $570,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 12 | 6.808% | $490,000 | 0.0% |
| 21st Mortgage Corporation | 11 | 9.990% | $185,000 | 68.4% |
| Commerce Home Mortgage, Inc. | 11 | 6.990% | $335,000 | 15.4% |
| Tomo Mortgage, LLC | 11 | 6.250% | $535,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 11 | 7.250% | $345,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 7.188% | $400,000 | 12.5% |
| Kiavi Funding, Inc. | 10 | 10.720% | $290,000 | 8.3% |
| SPACE COAST CREDIT UNION | 10 | 5.750% | $575,000 | 9.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 6.933% | $375,000 | 9.1% |
| NEXERA HOLDING LLC | 10 | 7.250% | $455,000 | 8.3% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.375% | $440,000 | 16.7% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 59.1% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GRACE HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 26.7% |
| Filo Mortgage, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GEO-CORP, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FAIRWINDS CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NETWORK FUNDING, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FBC MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TrustCo Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HANCOCK WHITNEY BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 16.7% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| THE MORTGAGE FIRM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BELEM SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 44.4% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COASTLINE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 85.7% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 264 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.