Florida · HMDA 2025
Mortgage lenders in St. Johns County, FL
570 lenders reported 22,291 home-loan applications in St. Johns County in 2025. 11,151 closed as loans ($4.4B), 2,924 were denied — a 19.9% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 17% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 22,291
- Loans originated
- 11,151
- Purchase / refinance
- 7,027 / 2,373
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Johns County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,381 | 6.2% | — |
| 2 | VYSTAR CREDIT UNION 51 out of 100, Below average | 1,237 | 5.5% | 48.8% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 1,154 | 5.2% | — |
| 4 | Rocket Mortgage, LLC | 940 | 4.2% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 694 | 3.1% | 14.1% |
| 6 | LENNAR MORTGAGE, LLC | 644 | 2.9% | — |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 590 | 2.6% | 44.7% |
| 8 | DHI MORTGAGE COMPANY, LTD. | 580 | 2.6% | — |
| 9 | JET HOMELOANS, LP | 568 | 2.5% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 551 | 2.5% | 32.9% |
| 11 | Ameris Bank 67 out of 100, Moderate | 478 | 2.1% | 10.5% |
| 12 | NEWREZ LLC | 438 | 2.0% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 428 | 1.9% | — |
| 14 | Truist Bank 63 out of 100, Moderate | 425 | 1.9% | 40.8% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 419 | 1.9% | — |
| 16 | MATTAMY HOME FUNDING, LLC | 343 | 1.5% | — |
| 17 | TOLL BROTHERS MORTGAGE COMPANY | 339 | 1.5% | — |
| 18 | COMMUNITY FIRST CREDIT UNION OF FLO 73 out of 100, Strong | 330 | 1.5% | 24.3% |
| 19 | LAKEVIEW LOAN SERVICING, LLC | 257 | 1.2% | — |
| 20 | SPRING EQ, LLC | 254 | 1.1% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 254 | 1.1% | — |
| 22 | Mortgage Research Center, LLC | 251 | 1.1% | — |
| 23 | PULTE MORTGAGE LLC | 244 | 1.1% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 239 | 1.1% | — |
| 25 | Regions Bank 64 out of 100, Moderate | 237 | 1.1% | 43.1% |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 236 | 1.1% | — |
| 27 | U.S. Bank National Association 55 out of 100, Moderate | 234 | 1.0% | 39.5% |
| 28 | FIGURE LENDING LLC | 231 | 1.0% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 209 | 0.9% | 3.0% |
| 30 | FBC MORTGAGE, LLC | 208 | 0.9% | — |
| 31 | GUARANTEED RATE, INC. | 204 | 0.9% | — |
| 32 | Fifth Third Bank, National Association 62 out of 100, Moderate | 183 | 0.8% | 34.0% |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 174 | 0.8% | 33.8% |
| 34 | MOVEMENT MORTGAGE, LLC | 154 | 0.7% | — |
| 35 | THE LOAN STORE, INC. | 150 | 0.7% | — |
| 36 | UNION HOME MORTGAGE CORP. | 148 | 0.7% | — |
| 37 | PLANET HOME LENDING, LLC | 147 | 0.7% | — |
| 38 | Broker Solutions, Inc. | 144 | 0.6% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 140 | 0.6% | 32.5% |
| 40 | Loandepot.Com, LLC | 139 | 0.6% | — |
Top 40 of 570 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Florida
- Miami-Dade County 82,507 apps
- Broward County 75,647 apps
- Hillsborough County 64,621 apps
- Palm Beach County 63,472 apps
- Orange County 55,029 apps
- Lee County 47,429 apps
- Duval County 46,192 apps
- Polk County 45,313 apps
- Pinellas County 42,029 apps
- Pasco County 39,658 apps
- Brevard County 36,873 apps
- Volusia County 30,743 apps