Refinancing lenders in Martin County
348 refinancing mortgages were made in Martin County, Florida, in 2025, by 156 lenders. The median rate their borrowers got was 6.375% on a median loan of $305,000. Of 547 decisions, 169 were denials — 30.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 43 | 5.625% | $505,000 | 20.0% |
| Rocket Mortgage, LLC | 22 | 5.990% | $360,000 | 22.9% |
| Third Federal Savings and Loan Association of Cleveland | 21 | 6.990% | $205,000 | 38.9% |
| Bank of America, National Association | 17 | 5.990% | $265,000 | 14.3% |
| Truist Bank | 16 | 6.645% | $190,000 | 39.3% |
| Seacoast National Bank | 16 | 7.250% | $175,000 | 32.0% |
| PNC Bank, National Association | 14 | 7.650% | $230,000 | 36.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.125% | $485,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.000% | $430,000 | 7.7% |
| MIDFLORIDA | 10 | 4.990% | $215,000 | 50.0% |
| TD Bank, National Association | 10 | 7.690% | $440,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 54.6% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ITHINK FINANCIAL Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| J. VIRGIL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMUNITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 77.8% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clearview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ocean Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMPA BAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RadiFi Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SmartFi Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TrustCo Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Watermark Capital, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRSTTRUST HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBT Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PARTNERS Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| COCA-COLA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Synovus Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| United Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.