Refinance lenders in Bay County, Florida
Fat Boy Data analyzed mortgage 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. 1,395 applications were decided by 172 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
Rocket Mortgage, LLC made the most mortgage refinances in Bay County, FL, 89 of them.
Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 94% of 85.
Lenders approved 72.8% of mortgage refinance applications in Bay County, FL, 6.0 percentage points above the Florida rate of 66.8%.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 83% | 140 / 169 | 89% | $335K | 124 |
| 2 | Regions Bank | 55% | 70 / 127 | 96% | $105K | 67 |
| 3 | Rocket Mortgage, LLC | 84% | 97 / 116 | 92% | $285K | 89 |
| 4 | Freedom Mortgage Corporation | 94% | 80 / 85 | 75% | $295K | 60 |
| 5 | Trustmark Bank | 90% | 71 / 79 | 96% | $115K | 68 |
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 167 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage 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.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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