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refinance lenders · HMDA 2023–2025

Refinance lenders in Flagler County, Florida

Fat Boy Data analyzed mortgage refinance activity in Flagler County, Florida, home to Palm Coast, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,326 applications were decided by 167 lenders between 2023 and 2025.

Flagler County at a glance

167Active lenders16 with 20+ decisions
70.7%Market approval rate937 of 1,326 decided
$325KTypical loanmedian lender, $10K brackets
90%Borrower take-up840 loans funded

How Flagler County compares

Approval rate compared
Flagler County70.7%Florida66.8%All 616 counties76.5%
Typical loan compared
Flagler County$325KFlorida$315KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Flagler County, FL, 72 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 94% of 53.

Approval rate of all 16 lenders with 20+ decisions here
0%25%50%75%100%One lender: 11% approved of 36One lender: 40% approved of 35One lender: 40% approved of 20Bank of America, National Association: 51% approved of 59One lender: 51% approved of 43PNC Bank, National Association: 61% approved of 61One lender: 65% approved of 31Truist Bank: 65% approved of 81One lender: 76% approved of 38One lender: 80% approved of 20United Wholesale Mortgage, LLC: 81% approved of 179Rocket Mortgage, LLC: 82% approved of 98One lender: 88% approved of 26One lender: 90% approved of 40One lender: 90% approved of 21One lender: 94% approved of 53

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 Flagler County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only81%145 / 17993%$355K135
2Rocket Mortgage, LLC82%80 / 9890%$325K72
3Truist Bank65%53 / 8194%$105K50
4PNC Bank, National Association61%37 / 6197%$115K36
5Bank of America, National Association51%30 / 5997%$105K29

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 162 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Flagler 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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