Mortgage Lenders and Brokers in St. Augustine Beach, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
St. Augustine Beach, Florida mortgage lenders include Ameris BankAmeris Bank16763 Se Pear St, Blountstown, FL 32424A+5.0 ★Texas Ratio: 1.82%, VyStar Credit UnionVyStar Credit Union16201 NW US Highway 441, Alachua, FL 32615 6399A5.0 ★Texas Ratio: 9.56%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, United Community BankUnited Community Bank601 South Federal Highway, Boca Raton, FL 33432A+5.0 ★Texas Ratio: 2.97%, Radifi Federal Credit UnionRadifi Federal Credit Union801 Atlantic Blvd, Atlantic Beach, FL 32233, and Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%. 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 Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Augustine Beach 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 Beach, Florida
Market share is the lender's share of all home loans closed in St. Augustine Beach, 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 |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, HELOC | 10 +3 HELOCs |
9.1% | 100% | $455,000 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 4 +5 HELOCs |
3.6% | 40% | $330,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
3.6% | 100% | $615,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 2.7% | 75% | $708,333 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 2 | 1.8% | 100% | $665,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 1 +5 HELOCs |
0.9% | 100% | $1,075,000 | View |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $355,000 | View |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $605,000 | View |
Radifi Federal Credit Union
801 Atlantic Blvd, Atlantic Beach, FL 32233 |
Conventional | 1 | 0.9% | 100% | $375,000 | |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $165,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.9% | 100% | $405,000 | View |
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14759 NW 157th Ln, Alachua, FL 32615 A+5.0 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,205,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.8% | 100% | $230,000 | View |
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A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 23 | 20.9% | 92% | $590,652 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 6 | 5.5% | 70% | $663,333 | |
Barwick Banking Company
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Conventional, Jumbo | 4 | 3.6% | 100% | $545,000 | |
Movement Mortgage, LLC
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Conventional, HELOC | 3 +1 HELOCs |
2.7% | 100% | $418,333 | |
The Loan Store, Inc
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Conventional, HELOC | 3 +1 HELOCs |
2.7% | 100% | $465,000 | |
Affordable Mortgage Advisors
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Conventional, FHA | 3 | 2.7% | 100% | $435,000 | |
Success Mortgage Partners, Inc
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Conventional | 3 | 2.7% | 100% | $358,333 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.8% | 100% | $540,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 2 | 1.8% | 100% | $410,000 | View |
Nbkc Bank
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Conventional | 2 | 1.8% | 100% | $320,000 | |
Kind Lending, LLC
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Conventional | 2 | 1.8% | 66.7% | $375,000 | |
Provident Funding Associates
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Conventional | 2 | 1.8% | 100% | $555,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 1.8% | 100% | $370,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $565,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.9% | 100% | $265,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.9% | 100% | $635,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.9% | 100% | $325,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.9% | 100% | $385,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 100% | $65,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.9% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.9% | 100% | $375,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 0.32% |
Conventional | 1 | 0.9% | 100% | $435,000 | View |
Discover Bank
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Conventional | 1 | 0.9% | 50% | $95,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.9% | 33.3% | $765,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $605,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.9% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 3.91% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,445,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $575,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $275,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.9% | 100% | $285,000 | View |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.9% | 100% | $425,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.9% | 100% | $225,000 | |
South Coast Bank & Trust
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Conventional | 1 | 0.9% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Augustine Beach Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in St. Augustine Beach, Florida
Looking for mortgage lenders near me or mortgage brokers near me in St. Augustine Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Augustine Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Augustine Beach, FL
Use these to narrow the list above. Each category shows how many St. Augustine Beach, FL lenders fit and what that kind of lender is usually best for.
Who Lends in St. Augustine Beach, FL
Independent mortgage companies closed 60 percent of home loans in St. Augustine Beach, Florida in 2025, banks 33.6 percent and credit unions 6.4 percent. A&D Mortgage LLC was the largest mortgage company, Ameris Bank the largest bank and VyStar Credit Union the largest credit union. Among lenders headquartered in Florida, VyStar Credit Union led with 4 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
Frequently Asked Questions About Mortgage Lenders in St. Augustine Beach, FL
By home loans closed in 2025, Ameris Bank was the largest mortgage lender in St. Augustine Beach, Florida with 10 loans, about 9.1 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in St. Augustine Beach, Florida in 2025, led by Ameris Bank with 1. 2 lenders closed VA loans, led by United Wholesale Mortgage. 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.
Yes. 21 banks and 7 credit unions closed home loans in St. Augustine Beach, Florida in 2025, alongside 26 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.
Lenders are ranked only by the number of home loans they closed in St. Augustine Beach, 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 Beach, 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 Beach. 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.
