Mortgage Lenders and Brokers in St. Augustine South, 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 South, Florida mortgage lenders include 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%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, US Bank, N.A.US Bank, N.A.9105 Strada Pl, Naples, FL 34108A+5.0 ★Texas Ratio: 2.85%, Trustco BankTrustco Bank909 West State Rd 434, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.14%, Tampa Bay Federal Credit UnionTampa Bay Federal Credit Union11210 E Martin Luther King Blvd, Seffner, FL 33584 8359, Ithink Financial Credit UnionIthink Financial Credit Union790 Park of Commerce Blvd, Boca Raton, FL 33487A+5.0 ★Texas Ratio: 5.06%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%. 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 South, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Augustine South 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 South, Florida
Market share is the lender's share of all home loans closed in St. Augustine South, 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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16201 NW US Highway 441, Alachua, FL 32615 6399 A5.0 ★Texas Ratio: 9.56% |
Conventional, HELOC | 10 +3 HELOCs |
8.4% | 83.3% | $131,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional, HELOC | 2 +1 HELOCs |
1.7% | 100% | $230,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 2 | 1.7% | 100% | $290,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +3 HELOCs |
0.8% | 50% | $65,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $45,000 | View |
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★ 1.8 stars, 5 reviews 909 West State Rd 434, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.8% | 100% | $405,000 | View |
Tampa Bay Federal Credit Union
11210 E Martin Luther King Blvd, Seffner, FL 33584 8359 |
Conventional | 1 | 0.8% | 100% | $105,000 | |
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790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.8% | 100% | $45,000 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 4 +3 HELOCs |
3.4% | 100% | $120,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.8% | 50% | $245,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.8% | 100% | $295,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $375,000 | |
Coastline Home Mortgage
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Conventional | 1 | 0.8% | 100% | $205,000 | |
New Day Financial, LLC.
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VA | 1 | 0.8% | 50% | $365,000 | |
The Mortgage Firm
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Conventional | 1 | 0.8% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 18 +1 HELOCs |
15.1% | 81.8% | $368,333 | |
Rocket Mortgage
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Conventional, VA | 14 | 11.8% | 83.3% | $183,571 | |
Union Home Mortgage Corp.
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Conventional, VA, HELOC | 6 +1 HELOCs |
5% | 100% | $381,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 6 | 5% | 100% | $321,666 | |
Mortgage Research Center
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Conventional, VA | 4 | 3.4% | 100% | $345,000 | |
Movement Mortgage, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.7% | 100% | $130,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.7% | 50% | $245,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 2 | 1.7% | 66.7% | $220,000 | View |
Pennymac Loan Services LLC
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Conventional | 2 | 1.7% | 100% | $160,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 1.7% | 100% | $255,000 | View |
Cardinal Financial Company, Li
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Conventional | 2 | 1.7% | 100% | $240,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.7% | 66.7% | $220,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.7% | 100% | $325,000 | |
Barwick Banking Company
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Conventional | 2 | 1.7% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.7% | 100% | $155,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.8% | 100% | $385,000 | |
First Community Mortgage, Inc.
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FHA | 1 | 0.8% | 100% | $405,000 | |
SWBC Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $335,000 | |
Kind Lending, LLC
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VA | 1 | 0.8% | 100% | $165,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.8% | 100% | $295,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $605,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.8% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.8% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
FHA | 1 | 0.8% | 100% | $335,000 | View |
First Colony Mortgage Corporat
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.8% | 100% | $315,000 | |
Loanpeople, LLC
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FHA | 1 | 0.8% | 100% | $435,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.8% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.8% | 100% | $285,000 | View |
Stockton Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $295,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $125,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $375,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.8% | 100% | $315,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $245,000 | |
Village Capital & Investment
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FHA | 1 | 0.8% | 100% | $355,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.8% | 100% | $335,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Augustine South 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 South, Florida
Looking for mortgage lenders near me or mortgage brokers near me in St. Augustine South? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Augustine South in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Augustine South, FL
Use these to narrow the list above. Each category shows how many St. Augustine South, FL lenders fit and what that kind of lender is usually best for.
Who Lends in St. Augustine South, FL
Independent mortgage companies closed 70.6 percent of home loans in St. Augustine South, Florida in 2025, banks 11.8 percent and credit unions 17.6 percent. Lakeview Loan Servicing, 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 10 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 South, FL
By home loans closed in 2025, VyStar Credit Union was the largest mortgage lender in St. Augustine South, Florida with 10 loans, about 8.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in St. Augustine South, Florida in 2025, led by United Wholesale Mortgage with 4. 8 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. 14 banks and 7 credit unions closed home loans in St. Augustine South, Florida in 2025, alongside 37 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 South, 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 South, 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 South. 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.
