Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Johns County, Florida
Every institution that decided a 1–4 unit mortgage application in St. Johns County, home to St. Augustine, between 2023 and 2025: 38,499 applications, 29,994 loans actually funded, across 8 kinds of borrowing.
St. Johns County at a glance
38,499Applications decided
2023–2025
29,994Loans funded
78% of decisions
50Census tracts
10 ZIP codes
292,243People
ACS 2023
What the data shows
Lenders approved 89.8% of home-purchase applications in St. Johns County, 6.1 points above the Florida rate.
The typical purchase mortgage here is $405K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 206 applications.
Lending by loan type in St. Johns County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.8% | 21,674 | $405K | 96% | 596 |
| Home improvement loans | 65.1% | 3,709 | $105K | 92% | 151 |
| Cash-out refinance | 67.2% | 6,207 | $145K | 95% | 259 |
| Refinance | 72.9% | 2,932 | $415K | 91% | 274 |
| Investment property purchase | 88.2% | 3,145 | $315K | 96% | 380 |
| Investment cash-out refinance | 72.2% | 356 | $265K | 96% | 109 |
| Investment refinance | 71.9% | 270 | $285K | 91% | 119 |
| Investment home improvement | 49.0% | 206 | $185K | 95% | 44 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.