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St. Johns County, Florida · 2025

Mortgage lenders in St. Johns County, FL: denial rates and top lenders (2025)

570 lenders acted on 18,606 mortgage applications for properties in St. Johns County in 2025. 15.7% were denied (Florida: 21.1%). Median rate on closed loans 6.44%; median loan $315,000; median property value $525,000.

19kApplications
15.7%Denial ratestate 21.1%
6.44%Median ratestate 6.63%
$315,000Median loan
$525,000Median property value

Largest lenders in St. Johns County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,3741,033 10.9%6.49%
2 Vystar Credit Union D 1,209644 27.1%6.75%
3 Rocket Mortgage C 921662 15.7%6.75%
4 Lennar Mortgage A 641534 9.2%4.50%
5 Dhi Mortgage Company B 577437 10.2%4.50%
6 Jet Homeloans A 568433 1.6%4.99%
7 Navy Federal Credit Union D 550278 19.8%7.75%
8 Bank of America F 510230 28.8%6.24%
9 Ameris Bank B 477335 10.1%6.50%
10 Pennymac Loan Services C 376226 8.0%6.62%
11 Mattamy Home Funding A 343277 12.0%5.25%
12 Toll Brothers Mortgage A 339224 7.1%6.38%
13 Community First Credit Union of Flo D 330202 16.1%7.12%
14 Truist Bank C 279145 33.3%6.34%
15 Newrez D 26099 13.9%6.50%
16 Spring Eq D 25169 54.2%9.28%
17 Mortgage Research Center C 250106 18.0%6.13%
18 Pulte Mortgage A 244173 7.4%6.13%
19 Freedom Mortgage B 241109 12.9%6.00%
20 Crosscountry Mortgage B 239152 4.6%6.75%
21 Regions Bank C 237117 24.5%5.88%
22 Coastal Community Bank C 20945 3.4%9.74%
23 U.S. Bank D 207135 18.4%6.50%
24 JPMorgan Chase Bank B 18591 14.1%6.49%
25 PNC Bank D 16780 29.3%7.61%

Best approval odds in St. Johns County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Loanpeople781.3%
2Emm Loans1061.9%
3Jet Homeloans4482.0%
4Movement Mortgage1302.3%
5Coastal Community Bank1564.5%
6Kbhs Home Loans875.8%
7CMG Mortgage796.3%
8Crosscountry Mortgage1666.6%
9American Neighborhood Mortgage Acceptance Company537.6%
10Toll Brothers Mortgage3137.7%

What St. Johns County borrowers applied for

By loan purpose

Home purchase 9,745 52% · 7.7% denied
Refinance 2,230 12% · 18.1% denied
Cash-out refinance 2,677 14% · 21.4% denied
Home improvement 1,565 8% · 27.4% denied
Other / HELOC 2,389 13% · 32.4% denied

By loan type

Conventional 14,053 76% · 16.6% denied
FHA 2,264 12% · 15.7% denied
VA 2,248 12% · 10.1% denied
USDA / RHS 41 0% · 17.1% denied

Why applications were denied

Debt-to-income ratio 1,079 37%
Credit history 552 19%
Incomplete application 434 15%
Collateral 383 13%
Other 227 8%
Unverifiable information 133 5%
Insufficient cash 74 3%
Employment history 42 1%

St. Johns County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202318,54910,65718.3%6.63%$295,000
202418,20910,91016.4%6.63%$305,000
202518,60611,15115.7%6.44%$315,000

Frequently asked questions

15.7% of applications in St. Johns County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 1,374 applications in 2025 and a denial rate of 10.9%.

The median mortgage application in St. Johns County in 2025 was for $315,000; the median property value on originated loans was $525,000.