Mortgage lending in St. Johns County
11,150 mortgages were originated in St. Johns County, Florida, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 11,150
- Median rate
- 6.450%
- Median lender fees
- $6,815
- Median loan amount
- $335,000
- Median spread over APOR
- 0.026
- Paid discount points
- 42.7%
- Received lender credits
- 25.4%
- Purchases / refinances
- 63% / 21.3%
- Conventional / FHA / VA
- 74.3% / 12.9% / 12.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 79.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $580,750
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in St. Johns County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,033 | $8,853 | 6.490% |
| Rocket Mortgage, LLC | 662 | $5,338 | 6.750% |
| VYSTAR CREDIT UNION | 644 | — | 6.750% |
| LENNAR MORTGAGE, LLC | 534 | $7,146 | 4.500% |
| DHI MORTGAGE COMPANY, LTD. | 437 | $7,412 | 4.500% |
| JET HOMELOANS, LP | 433 | $6,997 | 4.990% |
| Ameris Bank | 335 | $7,485 | 6.495% |
| Navy Federal Credit Union | 278 | $3,044 | 7.750% |
| MATTAMY HOME FUNDING, LLC | 277 | $4,694 | 5.250% |
| Bank of America, National Association | 230 | $5,967 | 6.240% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in St. Johns County — not a rule of thumb.
From 8,868 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers