Cash-out refinance lenders in St. Johns County, Florida
Fat Boy Data analyzed cash-out refinance activity in St. Johns County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,207 applications were decided by 259 lenders between 2023 and 2025.
St. Johns County at a glance
How St. Johns County compares
What the data shows
Vystar Credit Union made the most cash-out refinances in St. Johns County, FL, 1,216 of them.
That is 31% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 96% of 23.
Lenders approved 67.2% of cash-out refinance applications in St. Johns County, FL, 5.0 percentage points above the Florida rate of 62.2%.
The typical cash-out refinance here is $145K, 26% smaller than the Florida typical of $195K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in St. Johns County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Vystar Credit Union | 61% | 1,230 / 2,015 | 99% | $85K | 1,216 |
| 2 | Rocket Mortgage, LLC | 84% | 820 / 978 | 96% | $145K | 790 |
| 3 | United Wholesale Mortgage, LLCBroker only | 78% | 332 / 426 | 97% | $275K | 323 |
| 4 | Amerisave Mortgage Corporation | 34% | 64 / 191 | 97% | $125K | 62 |
| 5 | Community First Credit Union of Flo | 78% | 146 / 186 | 100% | $105K | 146 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 254 more lenders.
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