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refinance lenders · HMDA 2023–2025

Refinance lenders in St. Johns County, Florida

Fat Boy Data analyzed mortgage refinance activity in St. Johns County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,932 applications were decided by 274 lenders between 2023 and 2025.

St. Johns County at a glance

274Active lenders29 with 20+ decisions
72.9%Market approval rate2,138 of 2,932 decided
$415KTypical loanmedian lender, $10K brackets
91%Borrower take-up1,955 loans funded

How St. Johns County compares

Approval rate compared
St. Johns County72.9%Florida66.8%All 616 counties76.5%
Typical loan compared
St. Johns County$415KFlorida$315KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in St. Johns County, FL, 146 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 95% of 115.

Lenders approved 72.9% of mortgage refinance applications in St. Johns County, FL, 6.1 percentage points above the Florida rate of 66.8%.

The typical mortgage refinance here is $415K, 32% larger than the Florida typical of $315K.

Approval rate of all 29 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 24% approved of 89Spring Eq, LLC: 26% approved of 31Mortgage Research Center, LLC: 32% approved of 50Lakeview Loan Servicing, LLC: 48% approved of 108Vystar Credit Union: 50% approved of 138Third Federal Savings And Loan Association Of Cleveland: 59% approved of 92Bank of America, National Association: 64% approved of 132Loandepot.Com, LLC: 64% approved of 22Regions Bank: 65% approved of 55Truist Bank: 67% approved of 145PNC Bank, National Association: 68% approved of 96Fifth Third Bank, National Association: 72% approved of 36TD Bank, National Association: 73% approved of 37Newrez LLC: 74% approved of 38Nationstar Mortgage LLC: 74% approved of 23Community First Credit Union of Flo: 76% approved of 46Ameris Bank: 77% approved of 39SouthState Bank, National Association: 77% approved of 35JPMorgan Chase Bank, National Association: 77% approved of 22Navy Federal Credit Union: 77% approved of 31Citizens Bank, National Association: 78% approved of 41Finance of America Reverse LLC: 79% approved of 29Wells Fargo Bank, National Association: 82% approved of 22Rocket Mortgage, LLC: 83% approved of 194United Wholesale Mortgage, LLC: 88% approved of 364Village Capital & Investment LLC: 89% approved of 37Pennymac Loan Services, LLC: 90% approved of 63Mutual of Omaha Mortgage, Inc.: 94% approved of 35Freedom Mortgage Corporation: 95% approved of 115

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in St. Johns County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only88%321 / 36496%$475K307
2Rocket Mortgage, LLC83%161 / 19491%$415K146
3Truist Bank67%97 / 14589%$215K86
4Vystar Credit Union50%69 / 13899%$505K68
5Bank of America, National Association64%84 / 13296%$205K81

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 269 more lenders.

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Other lending data for St. Johns County

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Nearby markets

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