☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Florida / St. Augustine

iAdvertiser Disclosure

Mortgage Lenders and Brokers in St. Augustine, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

St. Augustine, Florida mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in St. Augustine, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Augustine are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in St. Augustine, Florida

Market share is the lender's share of all home loans closed in St. Augustine, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Fifth Third Bank, National Association 1 office in St. Augustine 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +2 HELOCs	0%	n/a		View
VyStar Credit Union 16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56%	Conventional, Jumbo, HELOC	44 +22 HELOCs	6.3%	65.2%	$340,909	View
Ameris Bank ★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82%	Conventional, VA, Jumbo, HELOC	33 +9 HELOCs	4.7%	97.1%	$449,848	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	11 +1 HELOCs	1.6%	85.7%	$521,363	View
Wells Fargo Bank NA 1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	8	1.1%	100%	$242,500	View
JPMorgan Chase Bank, NA 500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	7 +1 HELOCs	1%	72.7%	$237,857	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	4 +14 HELOCs	0.6%	66.7%	$505,000	View
Regions Bank 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	4 +4 HELOCs	0.6%	100%	$762,500	View
Truist Bank ★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	3 +13 HELOCs	0.4%	100%	$565,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	3 +10 HELOCs	0.4%	100%	$701,666	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +2 HELOCs	0.4%	75%	$118,333	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional	3	0.4%	100%	$708,333	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$225,000	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional	2	0.3%	100%	$115,000
Renasant Bank 16404 Nw 17th Drive, Alachua, FL 32615 A+5.0 ★Texas Ratio: 4.72%	Conventional	2	0.3%	100%	$520,000	View
First Federal Bank 300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10%	VA, Jumbo	2	0.3%	66.7%	$830,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$365,000	View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$2,005,000	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	50%	$805,000	View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$155,000	View
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$295,000	View
Servisfirst Bank 316 Racetrack Rd Ne, Fort Walton Beach, FL 32547 A5.0 ★Texas Ratio: 8.75%	Conventional	1	0.1%	100%	$305,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 5817 Manatee Ave W, Bradenton, FL 34209 A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$115,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	50%	$545,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$655,000	View
Prime Meridian Bank 2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17%	Conventional, Jumbo	1	0.1%	100%	$1,705,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional	1	0.1%	100%	$535,000	View
First Ciitizens Bank and Trust 101 Indian Rocks Rd N, Belleair Bluffs, FL 33770 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$355,000	View
One Florida Bank 21 E 3rd St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 1.41%	Conventional, Jumbo	1	0.1%	100%	$975,000	View
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional, Jumbo	1	0.1%	100%	$945,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0.1%	100%	$905,000	View
The Claxton Bank 1 Independent Drive, Jacksonville, FL 32202 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	100%	$155,000	View
Florida Capital Bank, N.A 241 Sw 7th Ter, Gainesville, FL 32601	Conventional	1	0.1%	100%	$525,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +9 HELOCs	0%	n/a		View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	HELOC	0 +4 HELOCs	0%	n/a		View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Pinnacle Bank 130 S Park Ave, Apopka, FL 32703 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	0%		View
Seacoast National Bank ★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	18 +6 HELOCs	2.6%	78.3%	$156,666	View
Freedom Mortgage Corporation	FHA, VA, Jumbo	6	0.9%	58.3%	$645,000
Lakeview Loan Servicing, LLC	Conventional, FHA	4	0.6%	41.7%	$307,500
PHH Mortgage Corporation	Conventional, VA	3	0.4%	100%	$301,666
Reliable Holdings Manager dba Lendz Financial	Conventional	3	0.4%	100%	$521,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$335,000	View
Coastline Home Mortgage	Conventional	2	0.3%	100%	$255,000
First Equity Mortgage Bankers Inc.	Conventional	1	0.1%	100%	$535,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$705,000
Builders Choice Mortgage LLC	FHA	1	0.1%	100%	$415,000
New Day Financial, LLC.	VA	1	0.1%	50%	$245,000
DYBN Financial Corporation dba Morgan Financial	Conventional	1	0.1%	100%	$575,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	86 +3 HELOCs	12.4%	89.9%	$430,465
Rocket Mortgage	Conventional, FHA, VA	74	10.6%	80.4%	$285,270
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	58	8.3%	78.4%	$229,482
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	20	2.9%	95.2%	$469,000
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	20	2.9%	87%	$253,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	18 +5 HELOCs	2.6%	72%	$310,000
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	11 +1 HELOCs	1.6%	100%	$509,545
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	10 +1 HELOCs	1.4%	83.3%	$328,000
Union Home Mortgage Corp.	Conventional, HELOC	9 +1 HELOCs	1.3%	100%	$411,666
Barwick Banking Company	Conventional, Jumbo	9	1.3%	100%	$703,888
The Loan Store, Inc	Conventional, HELOC	8 +4 HELOCs	1.1%	100%	$376,250
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, VA	6	0.9%	75%	$321,666	View
Loanpeople, LLC	Conventional	6	0.9%	100%	$308,333
Mortgage Research Center	Conventional, FHA, VA	6	0.9%	66.7%	$305,000
EMM Loans LLC	Conventional	5	0.7%	100%	$453,000
First Community Mortgage, Inc.	Conventional, Jumbo	5	0.7%	100%	$587,000
Prosperity Home Mortgage, LLC	Conventional, VA, Jumbo	5	0.7%	83.3%	$481,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.7%	100%	$207,000	View
Guild Mortgage Company	Conventional, FHA, Jumbo	4	0.6%	100%	$542,500
Coast One Mortgage, LLC A+5.0 ★Texas Ratio: 2.18%	Conventional, VA, Jumbo	4	0.6%	100%	$567,500	View
Paramount Residential Mortgage	Conventional, FHA, VA	4	0.6%	100%	$280,000
Texana Bank	Conventional, FHA	4	0.6%	100%	$317,500
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.6%	80%	$417,500
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, HELOC	3 +2 HELOCs	0.4%	100%	$541,666	View
Spring Eq, LLC	Conventional, HELOC	3 +2 HELOCs	0.4%	23.1%	$108,333
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$371,666	View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	3	0.4%	100%	$555,000	View
Affordable Mortgage Advisors	Conventional	3	0.4%	100%	$258,333
Amerisave Mortgage Company	Conventional, FHA	3	0.4%	40%	$221,666
Success Mortgage Partners, Inc	Conventional, VA	3	0.4%	100%	$365,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.4%	60%	$431,666	View
Provident Funding Associates	Conventional	3	0.4%	100%	$335,000
Nationstar Mortgage	Conventional, VA	3	0.4%	60%	$201,666
Mutual of Omaha Mortgage	Conventional, FHA	3	0.4%	100%	$265,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	3	0.4%	100%	$461,666	View
21St Mortgage	Conventional	3	0.4%	33.3%	$221,666
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	3	0.4%	100%	$1,288,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	3	0.4%	100%	$365,000
American Financial Resources LLC	FHA, VA	2	0.3%	100%	$400,000
Guaranteed Rate, Inc.	Conventional, VA, Jumbo	2	0.3%	66.7%	$845,000
SWBC Mortgage Corporation	Conventional	2	0.3%	100%	$320,000
Resicentral LLC	Conventional	2	0.3%	100%	$370,000
American Financial Network, Inc.	Conventional	2	0.3%	100%	$285,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.3%	100%	$270,000	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.3%	100%	$555,000
Sun West Mortgage Company, Inc	Conventional, VA, Jumbo	2	0.3%	100%	$810,000
Network Funding, L.P.	Conventional	2	0.3%	100%	$455,000
Towne Mortgage Company	Conventional, FHA	2	0.3%	100%	$400,000
Citadel Servicing Corporation	Conventional, Jumbo	2	0.3%	100%	$1,465,000
Zillow Home Loans, LLC	Conventional	2	0.3%	66.7%	$420,000
New American Funding, LLC.	Conventional	2	0.3%	100%	$400,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.3%	100%	$650,000	View
Ark-La-Tex Financial Services LLC	Conventional	2	0.3%	100%	$305,000
Better Mortgage Corporation	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$85,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$255,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$485,000	View
Arc Home LLC	Conventional	1	0.1%	100%	$375,000
Genisys Credit Union	Conventional	1	0.1%	100%	$405,000
Guaranteed Rate Affinity, LLC	VA	1	0.1%	100%	$355,000
Goodleap, LLC	VA	1	0.1%	33.3%	$385,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$115,000
Canopy Mortgage, LLC	VA	1	0.1%	100%	$255,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$485,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$425,000
Kind Lending, LLC	Conventional	1	0.1%	50%	$495,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$595,000
Tower Federal Credit Union A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	100%	$445,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$235,000	View
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0.1%	100%	$235,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$575,000	View
AdvantageFirst Lending Inc	VA	1	0.1%	100%	$515,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$305,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$175,000
Navigant Credit Union	Conventional	1	0.1%	100%	$285,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$755,000	View
First State Bank of St Charles	Conventional	1	0.1%	100%	$555,000
HomeBridge Financial Services, Inc	VA	1	0.1%	100%	$715,000
Discover Bank	Conventional	1	0.1%	12.5%	$155,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$415,000
American Heritage Lending, LLC	Conventional, Jumbo	1	0.1%	100%	$875,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$165,000
New Century Bank A+5.0 ★Texas Ratio: 5.98%	Conventional	1	0.1%	100%	$235,000	View
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$405,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional	1	0.1%	33.3%	$595,000
T2 Financial LLC	Conventional	1	0.1%	100%	$605,000
Mortgage Equity Partners LLC	FHA	1	0.1%	100%	$305,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$185,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$665,000	View
Saygo Home Loans, LLC	VA	1	0.1%	100%	$455,000
First Carolina Bank A+5.0 ★Texas Ratio: 4.89%	Conventional, Jumbo	1	0.1%	100%	$1,055,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	1	0.1%	100%	$1,345,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$505,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$275,000
TowneBank	Conventional	1	0.1%	100%	$285,000
Southwest Stage Funding LLC	Conventional	1	0.1%	100%	$55,000
Fairway Independent Mort Corp	Conventional	1	0.1%	100%	$185,000
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	1	0.1%	100%	$1,155,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$165,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	25%	$125,000
Mason-McDuffie Mortgage Corporation	VA	1	0.1%	100%	$505,000
Homeland Mortgage Company	Conventional	1	0.1%	100%	$235,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$505,000
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Cadence Bank	HELOC	0 +1 HELOCs	0%	n/a
First Farmers Bank & Trust A5.0 ★Texas Ratio: 7.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

St. Augustine Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in St. Augustine, Florida

Looking for mortgage lenders near me or mortgage brokers near me in St. Augustine? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Augustine in 2025, with lenders based there listed first.

Types of Mortgage Lenders in St. Augustine, FL

Use these to narrow the list above. Each category shows how many St. Augustine, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 86 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 25 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 35 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 35 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 25 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in St. Augustine, FL

Independent mortgage companies closed 65.5 percent of home loans in St. Augustine, Florida in 2025, banks 21.3 percent and credit unions 13.2 percent. Freedom Mortgage Corporation was the largest mortgage company, Fifth Third Bank, National Association the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 44 loans.

65.5%

Mortgage companies

21.3%

Banks

13.2%

Credit unions

12%

FHA loans

12%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in St. Augustine, FL

Who is the largest mortgage lender in St. Augustine, FL?

By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in St. Augustine, Florida with 0 loans, about 0 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 44 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Augustine, FL have the highest approval rates?

Among lenders with meaningful volume in St. Augustine, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.9 percent, against a 81.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which St. Augustine, FL mortgage lenders offer FHA, VA and USDA loans?

25 lenders closed FHA loans in St. Augustine, Florida in 2025, led by DHI Mortgage Company, LTD. with 37. 35 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this St. Augustine, FL lender list?

Yes. 59 banks and 17 credit unions closed home loans in St. Augustine, Florida in 2025, alongside 86 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in St. Augustine, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in St. Augustine, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in St. Augustine, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up St. Augustine. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.