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refinance lenders · HMDA 2023–2025

Refinance lenders in Florida

Fat Boy Data analyzed mortgage refinance activity in 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. 144,937 applications were decided by 1,057 lenders between 2023 and 2025.

Florida at a glance

1,057Active lenders320 with 20+ decisions
66.8%Market approval rate96,801 of 144,937 decided
$315KTypical loanmedian lender, $10K brackets
90%Borrower take-up86,987 loans funded

How Florida compares

Approval rate compared
Florida66.8%All 616 counties76.5%
Typical loan compared
Florida$315KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Florida, 6,320 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 93% of 5,273.

Lenders approved 66.8% of mortgage refinance applications in Florida, 9.7 percentage points below the the United States rate of 76.5%.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 9% approved of 595Amerisave Mortgage Corporation: 10% approved of 614Discover Bank: 23% approved of 4,140Spring Eq, LLC: 35% approved of 1,169Carrington Mortgage Services, LLC: 40% approved of 773Mortgage Research Center, LLC: 40% approved of 2,828Lakeview Loan Servicing, LLC: 41% approved of 5,855Vystar Credit Union: 43% approved of 628Pentagon Federal Credit Union: 50% approved of 752Navy Federal Credit Union: 52% approved of 939Bank of America, National Association: 53% approved of 6,302Newrez LLC: 55% approved of 2,330Truist Bank: 55% approved of 6,476Kind Lending, LLC: 57% approved of 348Wells Fargo Bank, National Association: 58% approved of 1,427Third Federal Savings And Loan Association Of Cleveland: 59% approved of 4,973Midflorida: 59% approved of 2,773Milend, Inc.: 59% approved of 567Regions Bank: 60% approved of 5,135TD Bank, National Association: 60% approved of 2,423GTE Federal Credit Union: 60% approved of 1,162PNC Bank, National Association: 61% approved of 3,866Synovus Bank: 61% approved of 750Seacoast National Bank: 61% approved of 681New American Funding, LLC: 62% approved of 480Ithink Financial Credit Union: 62% approved of 412Fifth Third Bank, National Association: 62% approved of 2,115Space Coast Credit Union: 63% approved of 950Homebridge Financial Services, Inc.: 63% approved of 341Citizens Bank, National Association: 63% approved of 1,566Onity Mortgage Corporation: 64% approved of 872SouthState Bank, National Association: 65% approved of 880First Horizon Bank: 66% approved of 869Loandepot.Com, LLC: 66% approved of 849Royal United Mortgage LLC: 71% approved of 1,058Suncoast Credit Union: 73% approved of 2,406Rocket Mortgage, LLC: 74% approved of 9,292Nationstar Mortgage LLC: 75% approved of 903Smartfi Home Loans , LLC: 75% approved of 378U.S. Bank National Association: 75% approved of 458Nqm Funding, LLC: 78% approved of 426United Wholesale Mortgage, LLC: 79% approved of 14,824Amerihome Mortgage Company, LLC: 79% approved of 458JPMorgan Chase Bank, National Association: 80% approved of 1,065Planet Home Lending, LLC: 80% approved of 902Pennymac Loan Services, LLC: 80% approved of 3,162Guaranteed Rate, Inc.: 80% approved of 356Longbridge Financial, LLC: 81% approved of 939Traditional Mortgage Acceptance Corporation: 82% approved of 381Mutual of Omaha Mortgage, Inc.: 82% approved of 1,636LoanUnited.com, LLC: 82% approved of 514COMMUNITY CREDIT UNION of FLORIDA: 83% approved of 346Sun West Mortgage Company, Inc.: 83% approved of 347Cmg Mortgage, Inc.: 83% approved of 561TrustCo Bank: 84% approved of 482Finance of America Reverse LLC: 85% approved of 1,748Village Capital & Investment LLC: 89% approved of 3,288The Loan Store, Inc.: 90% approved of 402Crosscountry Mortgage, LLC: 92% approved of 1,110Freedom Mortgage Corporation: 93% approved of 5,273

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Florida

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only79%11,744 / 14,82493%$375K10,895
2Rocket Mortgage, LLC74%6,856 / 9,29292%$325K6,320
3Truist Bank55%3,570 / 6,47690%$155K3,230
4Bank of America, National Association53%3,332 / 6,30298%$155K3,259
5Lakeview Loan Servicing, LLC41%2,407 / 5,85540%$375K954

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 1,052 more lenders.

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Other lending data for Florida

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Counties in Florida

Miami-Dade CountyCountyBroward CountyCountyPalm Beach CountyCountyHillsborough CountyCountyOrange CountyCountyDuval CountyCountyPinellas CountyCountyLee CountyCountyPolk CountyCountyBrevard CountyCountyPasco CountyCountyVolusia CountyCounty