Refinance lenders in Bay County, Florida
Fat Boy Data analyzed mortgage refinance activity in Bay 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. 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 name and sample size.
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 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 167 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Bay County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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