Investment property refinance lenders in Bay County, Florida
Fat Boy Data analyzed investment property refinance activity in Bay County, Florida, home to Panama City, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 464 applications were decided by 158 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
Innovations Federal Credit Union made the most investment property refinances in Bay County, FL, 29 of them.
Innovations Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 29.
Lenders approved 76.9% of investment property refinance applications in Bay County, FL, 9.0 percentage points above the Florida rate of 68.0%.
The typical investment property refinance here is $235K, 15% smaller than the Florida typical of $275K.
Investment property refinance lenders in Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Innovations Federal Credit Union | 100% | 29 / 29 | 100% | $245K | 29 |
| 2 | Community Bank of Mississippi | 93% | 25 / 27 | 96% | $185K | 24 |
| 3 | Kiavi Funding, Inc. | 75% | 18 / 24 | 100% | $235K | 18 |
| 4 | United Wholesale Mortgage, LLCBroker only | 65% | 13 / 20 | 100% | $425K | 13 |
| 5 | Renasant BankLimited sample | 100% | 14 / 14 | 100% | $225K | 14 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 153 more lenders.
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You are seeing the 5 largest investment property refinance lenders in Bay County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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