Mortgage Lenders and Brokers in St. Augustine Shores, 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 Shores, 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%, Southstate Bank, National AssociationSouthstate Bank, National Association400 Us Highway 27 N, Avon Park, FL 33825A+5.0 ★Texas Ratio: 2.27%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, Citizens Bank, NACitizens Bank, NA2222 Ponce De Leon Blvd, Coral Gables, FL 33134A+5.0 ★Texas Ratio: 5.44%, TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, and First Federal BankFirst Federal Bank300 N Waukesha St, Bonifay, FL 32425A+5.0 ★Texas Ratio: 1.10%. 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 Shores, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Augustine Shores 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 Shores, Florida
Market share is the lender's share of all home loans closed in St. Augustine Shores, 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, VA, HELOC | 21 +2 HELOCs |
6.8% | 95.5% | $253,571 | View |
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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 17 +6 HELOCs |
5.5% | 70.8% | $107,941 | 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 | 4 +1 HELOCs |
1.3% | 57.1% | $67,500 | View |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1% | 100% | $248,333 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +3 HELOCs |
0.6% | 100% | $255,000 | 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, HELOC | 2 +3 HELOCs |
0.6% | 100% | $275,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $375,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $120,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 0.6% | 100% | $415,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 2 | 0.6% | 100% | $130,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 0.6% | 100% | $250,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +7 HELOCs |
0.3% | 100% | $185,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $765,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
FHA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $315,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
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8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 100% | $585,000 | View |
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20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.3% | 100% | $285,000 | View |
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1209 Kingsway Rd, Brandon, FL 33510 A+5.0 ★Texas Ratio: 5.93% |
Conventional | 1 | 0.3% | 25% | $85,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.3% | 50% | $75,000 | View |
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790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
Florida Capital Bank, N.A
241 Sw 7th Ter, Gainesville, FL 32601 |
Conventional | 1 | 0.3% | 100% | $275,000 | |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 2.6% | 100% | $348,750 | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 6 +1 HELOCs |
1.9% | 85.7% | $195,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.3% | 25% | $275,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 51 +2 HELOCs |
16.4% | 94.5% | $309,509 | |
Rocket Mortgage
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Conventional, FHA, VA | 36 | 11.6% | 90.9% | $216,388 | |
Kbhs Home Loans, LLC
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Conventional, FHA, VA | 26 | 8.4% | 96.3% | $401,153 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 3.9% | 93.3% | $319,166 | |
Nationstar Mortgage
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Conventional | 7 | 2.3% | 87.5% | $50,714 | |
loanDepot.com LLC
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Conventional | 6 | 1.9% | 77.8% | $105,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 6 | 1.9% | 85.7% | $256,666 | |
Mortgage Research Center
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VA | 5 | 1.6% | 62.5% | $345,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
1.3% | 100% | $450,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
1.3% | 100% | $307,500 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 1.3% | 100% | $397,500 | |
Zillow Home Loans, LLC
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Conventional | 4 | 1.3% | 80% | $257,500 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +3 HELOCs |
1% | 60% | $85,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA, VA | 3 | 1% | 50% | $211,666 | View |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1% | 37.5% | $165,000 | |
Texana Bank
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FHA, VA | 3 | 1% | 100% | $368,333 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 3 | 1% | 100% | $318,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $245,000 | |
EMM Loans LLC
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Conventional | 2 | 0.6% | 100% | $220,000 | |
First Community Mortgage, Inc.
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Conventional, VA | 2 | 0.6% | 100% | $250,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.6% | 100% | $430,000 | |
Discover Bank
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Conventional | 2 | 0.6% | 50% | $60,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.6% | 100% | $285,000 | |
Loanpeople, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $325,000 | |
Towne Mortgage Company
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FHA, VA | 2 | 0.6% | 100% | $285,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $155,000 | |
21St Mortgage
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Conventional | 2 | 0.6% | 66.7% | $125,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.6% | 50% | $210,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Servion
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Affordable Mortgage Advisors
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VA | 1 | 0.3% | 100% | $555,000 | |
Kind Lending, LLC
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VA | 1 | 0.3% | 50% | $395,000 | |
Firstrust Savings Bank
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Resicentral LLC
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Conventional | 1 | 0.3% | 50% | $315,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
Valon Mortgage
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FHA | 1 | 0.3% | 100% | $165,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.3% | 100% | $345,000 | |
Bay Equity LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $155,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $285,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.3% | 100% | $335,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
VA | 1 | 0.3% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.3% | 100% | $635,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.3% | 100% | $435,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 50% | $425,000 | |
Coastal Community Bank
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Augustine Shores 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 Shores, Florida
Looking for mortgage lenders near me or mortgage brokers near me in St. Augustine Shores? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Augustine Shores in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Augustine Shores, FL
Use these to narrow the list above. Each category shows how many St. Augustine Shores, FL lenders fit and what that kind of lender is usually best for.
Who Lends in St. Augustine Shores, FL
Independent mortgage companies closed 70.4 percent of home loans in St. Augustine Shores, Florida in 2025, banks 19.9 percent and credit unions 9.6 percent. Triad Financial Services, Inc. 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 17 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 Shores, FL
By home loans closed in 2025, Ameris Bank was the largest mortgage lender in St. Augustine Shores, Florida with 21 loans, about 6.8 percent of the market. The largest lender headquartered in Florida was VyStar Credit Union with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in St. Augustine Shores, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 94.5 percent, against a 84.6 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.
24 lenders closed FHA loans in St. Augustine Shores, Florida in 2025, led by United Wholesale Mortgage with 11. 22 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. 29 banks and 8 credit unions closed home loans in St. Augustine Shores, Florida in 2025, alongside 49 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 Shores, 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 Shores, 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 Shores. 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.
