Mortgage lending in St. Johns County
11,150 mortgages were originated in St. Johns County, Florida, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $335,000
- Above the going rate (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
- Median home price
- $486,000
- That home, 20% down
- $388,800
A median-priced home with 20% down leaves $443,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers