Mortgage lending in St. Johns County, Florida
Lenders in St. Johns County, Florida reported 18,606 mortgage applications for 2025, according to the CFPB.
18,606 mortgage applications and 11,151 loans originated in 2025; the denial rate was 19.9% of 14,703 applications decided. The median loan was about $335,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jacksonville, FL HUD Metro FMR Area.
- 18,606
- Applications
- 11,151
- Loans originated
- 19.9%
- Denial rate
- 2,924 denied of 14,703 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 18,606 | 11,151 |
| 2024 | 18,209 | 10,910 |
| 2023 | 18,549 | 10,657 |
| 2022 | 26,199 | 14,799 |
| 2021 | 38,174 | 23,500 |
| 2020 | 36,739 | 22,816 |
| 2019 | 22,503 | 14,083 |
| 2018 | 18,322 | 11,353 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,033 | 1,374 |
| Rocket Mortgage | 662 | 921 |
| VyStar Credit Union | 644 | 1,209 |
| Lennar Mortgage, LLC | 534 | 641 |
| DHI Mortgage Company, LTD. | 437 | 577 |
| Jet HomeLoans, LP | 433 | 568 |
| Ameris Bank | 335 | 477 |
| Navy Federal Credit Union | 278 | 550 |
| Mattamy Home Funding LLC | 277 | 343 |
| Bank of America NA | 230 | 510 |
| Pennymac Loan Services LLC | 226 | 376 |
| Toll Brothers Mortgage Company | 224 | 339 |
| Community First Credit Union of FLorida | 202 | 330 |
| Pulte Mortgage LLC | 173 | 244 |
| Crosscountry Mortgage, LLC | 152 | 239 |
| Truist Bank | 145 | 279 |
| US Bank, N.A. | 135 | 207 |
| Regions Bank | 117 | 237 |
| Movement Mortgage, LLC | 110 | 154 |
| Freedom Mortgage Corporation | 109 | 241 |
| Mortgage Research Center | 106 | 250 |
| Union Home Mortgage Corp. | 102 | 148 |
| The Loan Store, Inc | 101 | 150 |
| EMM Loans LLC | 99 | 122 |
| Newrez LLC | 99 | 260 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 82 | 31.3% of 64 decided |
| Asian | 1,128 | 17.2% of 866 decided |
| Black or African American | 688 | 32.4% of 559 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 13,175 | 18.8% of 10,600 decided |
| 2 or more minority races | 29 | no rate: base under 50 |
| Joint | 458 | 15.3% of 352 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,018 | 23.0% of 2,213 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,435 | 23.5% of 1,149 decided |
| Not Hispanic or Latino | 13,526 | 19.0% of 10,831 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,008 | 23.5% of 2,203 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,426 | 22.2% of 5,042 decided |
| Female | 3,643 | 22.8% of 2,923 decided |
| Joint | 7,072 | 15.4% of 5,744 decided |
| Sex Not Available | 1,465 | 25.4% of 994 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 180 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved