Refinancing lenders in Duval County
2,295 refinancing mortgages were made in Duval County, Florida, in 2025, by 298 lenders. The median rate their borrowers got was 6.125% on a median loan of $285,000. Of 3,544 decisions, 992 were denials — 28.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 395 | 5.625% | $345,000 | 14.5% |
| Rocket Mortgage, LLC | 195 | 5.875% | $285,000 | 21.4% |
| FREEDOM MORTGAGE CORPORATION | 158 | 6.250% | $315,000 | 6.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 85 | 7.500% | $105,000 | 42.7% |
| Kiavi Funding, Inc. | 82 | 7.500% | $135,000 | 18.5% |
| VYSTAR CREDIT UNION | 64 | 6.188% | $295,000 | 45.4% |
| PENNYMAC LOAN SERVICES, LLC | 58 | 5.813% | $305,000 | 24.1% |
| Bank of America, National Association | 58 | 5.990% | $140,000 | 28.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 51 | 5.750% | $315,000 | 9.0% |
| Mortgage Research Center, LLC | 40 | 5.875% | $330,000 | 71.8% |
| NEWREZ LLC | 39 | 5.750% | $325,000 | 35.4% |
| MOVEMENT MORTGAGE, LLC | 37 | 5.990% | $375,000 | 0.0% |
| Truist Bank | 36 | 7.125% | $155,000 | 39.7% |
| Fifth Third Bank, National Association | 36 | 8.000% | $125,000 | 17.8% |
| LAKEVIEW LOAN SERVICING, LLC | 35 | 6.250% | $325,000 | 60.1% |
| Navy Federal Credit Union | 31 | 5.750% | $325,000 | 44.6% |
| PNC Bank, National Association | 29 | 7.610% | $150,000 | 36.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.240% | $275,000 | 10.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 27 | 6.600% | $175,000 | 0.0% |
| PLANET HOME LENDING, LLC | 26 | 5.813% | $295,000 | 15.6% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.250% | $230,000 | 23.3% |
| Loandepot.Com, LLC | 21 | 5.990% | $385,000 | 28.1% |
| LoanUnited.com, LLC | 20 | 5.933% | $325,000 | 13.0% |
| Regions Bank | 18 | 5.683% | $80,000 | 47.2% |
| Third Federal Savings and Loan Association of Cleveland | 18 | 6.990% | $190,000 | 48.6% |
| NEW DAY FINANCIAL, LLC | 18 | 6.490% | $225,000 | 9.1% |
| CMG MORTGAGE, INC. | 16 | 8.365% | $85,000 | 5.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.375% | $135,000 | 21.1% |
| Ameris Bank | 14 | 6.625% | $270,000 | 30.4% |
| JPMorgan Chase Bank, National Association | 13 | 5.990% | $285,000 | 6.7% |
| Citizens Bank, National Association | 13 | 7.900% | $205,000 | 23.5% |
| CLEARPATH LENDING | 13 | 5.750% | $335,000 | 7.1% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | 6.875% | $430,000 | 0.0% |
| RadiFi Credit Union | 12 | 5.713% | $260,000 | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 12 | 6.500% | $105,000 | 25.0% |
| PHH Mortgage Corporation | 11 | 5.875% | $235,000 | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.750% | $235,000 | 20.0% |
| LOANPEOPLE, LLC | 11 | 6.125% | $385,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.375% | $195,000 | 21.4% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.000% | $165,000 | 0.0% |
| THE LOAN STORE, INC. | 11 | 6.750% | $125,000 | 0.0% |
| COASTLINE FEDERAL CREDIT UNION | 11 | 6.875% | $155,000 | 0.0% |
| GUARANTEED RATE, INC. | 10 | 6.088% | $305,000 | 14.3% |
| SOUTH RIVER MORTGAGE, LLC | 10 | 7.808% | $120,000 | 0.0% |
| U.S. Bank National Association | 10 | 6.058% | $370,000 | 9.1% |
| EMM LOANS LLC | 10 | 6.375% | $265,000 | 9.1% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 23.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 75.8% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 62.5% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 15.4% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 80.0% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Synovus Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 57.1% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MIDFLORIDA | 3 | Under 10 loans | Under 10 loans | 40.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 84.6% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pineland Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PrimeSouth Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 98 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.