Refinancing lenders in Hillsborough County
3,379 refinancing mortgages were made in Hillsborough County, Florida, in 2025, by 399 lenders. The median rate their borrowers got was 6.125% on a median loan of $315,000. Of 5,390 decisions, 1,631 were denials — 30.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 504 | 5.625% | $405,000 | 21.3% |
| Rocket Mortgage, LLC | 279 | 5.875% | $375,000 | 24.5% |
| Suncoast Credit Union | 199 | 7.500% | $115,000 | 20.4% |
| FREEDOM MORTGAGE CORPORATION | 156 | 6.250% | $365,000 | 7.9% |
| Truist Bank | 107 | 6.490% | $175,000 | 44.0% |
| PENNYMAC LOAN SERVICES, LLC | 105 | 5.990% | $395,000 | 14.9% |
| Bank of America, National Association | 103 | 5.990% | $155,000 | 39.2% |
| Regions Bank | 97 | 4.990% | $125,000 | 40.8% |
| Third Federal Savings and Loan Association of Cleveland | 94 | 6.990% | $155,000 | 44.6% |
| MIDFLORIDA | 82 | 6.490% | $125,000 | 40.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 68 | 6.188% | $400,000 | 17.6% |
| NEWREZ LLC | 56 | 6.063% | $395,000 | 37.6% |
| Fifth Third Bank, National Association | 55 | 8.150% | $175,000 | 36.2% |
| JPMorgan Chase Bank, National Association | 44 | 5.990% | $320,000 | 14.8% |
| GTE Federal Credit Union | 43 | 6.375% | $215,000 | 51.7% |
| FLORIDA CENTRAL CREDIT UNION | 39 | 4.990% | $75,000 | 7.1% |
| LAKEVIEW LOAN SERVICING, LLC | 37 | 6.125% | $395,000 | 63.2% |
| NATIONSTAR MORTGAGE LLC | 35 | 6.125% | $325,000 | 30.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 33 | 6.350% | $435,000 | 10.5% |
| TD Bank, National Association | 33 | 7.440% | $205,000 | 26.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 6.250% | $205,000 | 8.3% |
| GUARANTEED RATE, INC. | 30 | 6.750% | $360,000 | 9.1% |
| Mortgage Research Center, LLC | 26 | 5.933% | $370,000 | 72.0% |
| LoanUnited.com, LLC | 26 | 6.125% | $330,000 | 13.3% |
| PLANET HOME LENDING, LLC | 25 | 5.750% | $405,000 | 18.8% |
| PNC Bank, National Association | 23 | 7.990% | $165,000 | 43.2% |
| Loandepot.Com, LLC | 22 | 5.625% | $395,000 | 28.1% |
| CMG MORTGAGE, INC. | 21 | 6.875% | $415,000 | 10.3% |
| FINANCE OF AMERICA REVERSE LLC | 21 | 6.125% | $215,000 | 16.0% |
| Kiavi Funding, Inc. | 20 | 7.188% | $220,000 | 25.9% |
| NEW DAY FINANCIAL, LLC | 19 | 6.490% | $365,000 | 4.8% |
| CHAMPIONS FUNDING, LLC | 19 | 7.375% | $175,000 | 34.5% |
| Navy Federal Credit Union | 17 | 6.000% | $355,000 | 48.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $355,000 | 15.0% |
| Citizens Bank, National Association | 16 | 8.150% | $235,000 | 25.0% |
| NFM, INC. | 16 | 6.125% | $480,000 | 0.0% |
| Grow Financial Federal Credit Union | 15 | 6.250% | $205,000 | 21.1% |
| SPRING EQ, LLC | 14 | 9.750% | $115,000 | 54.6% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.375% | $170,000 | 50.0% |
| Wells Fargo Bank, National Association | 14 | 5.813% | $355,000 | 26.3% |
| SOUTH RIVER MORTGAGE, LLC | 14 | 8.990% | $120,000 | 0.0% |
| SouthState Bank, National Association | 14 | 7.150% | $105,000 | 26.3% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.990% | $295,000 | 7.1% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 7.250% | $265,000 | 5.6% |
| DFCU FINANCIAL | 13 | 5.750% | $235,000 | 21.1% |
| THE LOAN STORE, INC. | 13 | 6.125% | $265,000 | 0.0% |
| Discover Bank | 12 | 8.915% | $100,000 | 76.0% |
| PHH Mortgage Corporation | 12 | 5.750% | $300,000 | 20.0% |
| LOWER, LLC | 12 | 6.125% | $300,000 | 20.0% |
| Lendage, LLC | 12 | 11.125% | $90,000 | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 6.375% | $215,000 | 7.1% |
| Hometown Equity Mortgage, LLC | 12 | 7.125% | $290,000 | 29.4% |
| Synovus Bank | 11 | 8.250% | $170,000 | 25.0% |
| INTELLILOAN, INC. | 10 | 6.188% | $360,000 | 7.7% |
| UNION HOME MORTGAGE CORP. | 10 | 6.125% | $355,000 | 16.7% |
| Equity Prime Mortgage LLC | 10 | 5.750% | $400,000 | 9.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | 9.500% | $395,000 | 21.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 53.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 37.5% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Bank OZK | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 44.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BayFirst National Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CLEARPATH LENDING | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 11.1% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Valley National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LAKE MICHIGAN CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Bank of Tampa | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 82.6% |
| VYSTAR CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 44.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| TrustCo Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LOANFLIGHT LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HANCOCK WHITNEY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valley West Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERCHANTS CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMPA BAY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USF Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 96.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 90.9% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 60.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 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 199 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Hillsborough County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.