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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Clay County, Florida

Fat Boy Data analyzed investment property refinance activity in Clay 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. 100 applications were decided by 43 lenders between 2023 and 2025.

Clay County at a glance

43Active lenders0 with 20+ decisions
66.0%Market approval rate66 of 100 decided
$195KTypical loanmedian lender, $10K brackets
94%Borrower take-up62 loans funded

How Clay County compares

Approval rate compared
Clay County66.0%Florida68.0%All 616 counties77.7%
Typical loan compared
Clay County$195KFlorida$275KAll 616 counties$235K

What the data shows

Kiavi Funding, Inc. made the most investment property refinances in Clay County, FL, 16 of them.

That is 26% of every investment property refinance originated here, so this market is unusually concentrated in one lender.

The typical investment property refinance here is $195K, 29% smaller than the Florida typical of $275K.

Investment property refinance lenders in Clay County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.Limited sample89%16 / 18100%$195K16
2Navy Federal Credit UnionLimited sample22%2 / 9100%$205K2
3Rocket Mortgage, LLCLimited sample75%6 / 8100%$155K6
4Bpl Mortgage, LLCLimited sample100%7 / 786%$155K6
5United Wholesale Mortgage, LLCBroker only25%1 / 4100%$315K1

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 38 more lenders.

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You are seeing the 5 largest investment property refinance lenders in Clay 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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