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Top refinance lenders in Florida (2025)

Rate-and-term and cash-out refinance applications combined.

932kApplications in FL
27.2%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
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United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeRefinance applicationsApplicationsDenial rateMedian rate
1 Rocket MortgagePlymouth, MI C 28,302 46,611 21.0% 6.63%
2 United Shore Financial ServicesPlymouth, MI B 25,607 71,405 15.3% 6.44%
3 NewrezWilmington, DE D 13,010 17,519 22.4% 6.75%
4 Freedom MortgageBoca Raton, FL B 10,680 13,067 10.6% 6.25%
5 Pennymac Loan ServicesWestlake Village, CA C 8,739 19,516 14.1% 6.50%
6 AmeriSave MortgageSandy Springs, GA D 7,481 7,729 65.3% 7.99%
7 Lakeview Loan ServicingCoral Gables, FL C 6,263 8,363 56.3% 6.50%
8 Mortgage Research CenterColumbia, MO C 6,252 14,057 21.2% 6.25%
9 New Day FinancialWest Palm Beach, FL F 4,878 5,183 23.8% 6.99%
10 Broker SolutionsTustin, CA D 4,565 10,391 10.8% 6.75%
11 Carrington Mortgage ServicesOrange, CA D 4,233 4,821 44.4% 6.63%
12 Bank of AmericaCharlotte, NC F 3,612 23,634 37.7% 6.24%
13 Crosscountry MortgageCleveland, OH B 3,567 19,103 5.2% 6.75%
14 Truist BankCharlotte, NC C 3,503 14,140 41.5% 6.60%
15 Loandepot.ComIrvine, CA D 3,417 13,189 25.2% 6.50%
16 Navy Federal Credit UnionVienna, VA D 3,388 19,452 23.2% 7.59%
17 A&D MortgageFort Lauderdale, FL C 3,264 8,739 9.5% 6.99%
18 Village Capital & InvestmentHenderson, NV C 3,087 3,222 22.1% 5.75%
19 Space Coast Credit UnionMelbourne, FL C 3,023 12,006 30.0% 5.50%
20 Regions BankBirmingham, AL C 2,984 14,062 39.5% 5.38%
21 JPMorgan Chase BankColumbus, OH B 2,699 11,222 14.3% 6.49%
22 Third Federal Savings and Loan Association of ClevelandCleveland, OH C 2,516 8,280 38.8% 6.99%
23 Nationstar MortgageCoppell, TX C 2,249 5,817 17.6% 7.75%
24 Suncoast Credit UnionTampa, FL C 2,143 12,829 19.7% 7.25%
25 Guaranteed RateChicago, IL B 2,121 7,020 9.4% 6.63%
26 Champions FundingGilbert, AZ F 1,863 3,754 19.2% 7.63%
27 Vystar Credit UnionJacksonville, FL D 1,849 7,205 34.9% 6.75%
28 GoodLeapRoseville, CA C 1,838 1,840 25.0% 6.99%
29 Wells Fargo BankCharlotte, NC B 1,698 5,884 21.2% 6.38%
30 PNC BankWilmington, DE D 1,686 8,176 34.6% 7.50%
31 MidfloridaLakeland, FL C 1,678 9,125 43.4% 6.38%
32 Mutual of Omaha MortgageSan Diego, CA C 1,610 2,734 19.9% 6.38%
33 Fifth Third BankCincinnati, OH D 1,602 8,554 36.2% 7.65%
34 PHH MortgageMount Laurel, NJ C 1,580 1,701 10.5% 6.13%
35 CMG MortgageSan Ramon, CA A 1,527 6,869 5.8% 6.63%
36 Unnamed lender 254900M2C4Q6DATP2889 F 1,518 1,547 18.8% 6.13%
37 Equity Prime MortgageAtlanta, GA D 1,484 3,088 10.8% 6.50%
38 Spring EqConshohocken, PA D 1,467 11,190 55.9% 9.20%
39 Angel Oak Mortgage SolutionsAtlanta, GA D 1,447 3,089 13.3% 7.37%
40 American FinancingAurora, CO D 1,420 1,635 49.7% 6.25%
41 Hometown Equity MortgageLake Forest, CA C 1,419 2,912 46.0% 7.25%
42 Homexpress MortgageSanta Ana, CA C 1,414 2,484 44.8% 7.38%
43 Launch Credit UnionMerritt Island, FL F 1,374 1,458 38.7% 6.75%
44 OCMBCIrvine, CA C 1,372 3,226 14.8% 7.13%
45 Community First Credit Union of FloJacksonville, FL D 1,355 1,845 19.8% 6.88%
46 Network Capital FundingIrvine, CA D 1,336 1,372 13.6% 6.50%
47 AMWEST FundingBrea, CA C 1,311 2,778 6.5% 7.00%
48 TD BankWilmington, DE D 1,282 6,487 34.5% 7.50%
49 Kiavi FundingWilmington, DE D 1,178 3,793 10.3% 10.20%
50 LendingoneBoca Raton, FL F 1,119 3,055 15.8% 7.29%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.