Refinancing lenders in Palm Beach County
3,047 refinancing mortgages were made in Palm Beach County, Florida, in 2025, by 409 lenders. The median rate their borrowers got was 6.490% on a median loan of $335,000. Of 5,034 decisions, 1,713 were denials — 34.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 350 | 5.837% | $465,000 | 24.8% |
| Third Federal Savings and Loan Association of Cleveland | 212 | 6.990% | $155,000 | 39.7% |
| Rocket Mortgage, LLC | 203 | 5.990% | $415,000 | 32.8% |
| PNC Bank, National Association | 186 | 7.260% | $175,000 | 34.1% |
| Bank of America, National Association | 139 | 5.990% | $205,000 | 43.2% |
| Truist Bank | 107 | 6.590% | $200,000 | 44.9% |
| TD Bank, National Association | 103 | 7.440% | $215,000 | 34.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 88 | 6.157% | $505,000 | 4.3% |
| FREEDOM MORTGAGE CORPORATION | 71 | 6.250% | $505,000 | 8.3% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 6.124% | $435,000 | 25.3% |
| Citizens Bank, National Association | 59 | 8.150% | $255,000 | 33.0% |
| Fifth Third Bank, National Association | 54 | 7.775% | $210,000 | 40.9% |
| JPMorgan Chase Bank, National Association | 45 | 6.125% | $355,000 | 24.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 44 | 6.250% | $245,000 | 8.2% |
| FINANCE OF AMERICA REVERSE LLC | 42 | 8.990% | $380,000 | 17.0% |
| ITHINK FINANCIAL Credit Union | 38 | 8.000% | $105,000 | 39.7% |
| LAKEVIEW LOAN SERVICING, LLC | 37 | 5.990% | $475,000 | 68.6% |
| NEWREZ LLC | 32 | 6.250% | $515,000 | 44.3% |
| A&D Mortgage LLC | 31 | 6.875% | $475,000 | 13.9% |
| NQM FUNDING, LLC | 27 | 7.124% | $755,000 | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 26 | 6.750% | $370,000 | 12.2% |
| Seacoast National Bank | 25 | 7.250% | $205,000 | 41.9% |
| PENTAGON FEDERAL CREDIT UNION | 22 | 7.750% | $180,000 | 42.1% |
| Regions Bank | 20 | 4.990% | $80,000 | 54.9% |
| NATIONSTAR MORTGAGE LLC | 20 | 5.933% | $440,000 | 24.1% |
| Kiavi Funding, Inc. | 19 | 7.500% | $295,000 | 38.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 19 | 6.500% | $335,000 | 9.1% |
| SmartFi Home Loans, LLC | 19 | 8.980% | $235,000 | 31.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 18 | 5.750% | $515,000 | 16.3% |
| PHH Mortgage Corporation | 18 | 5.938% | $275,000 | 28.0% |
| Wells Fargo Bank, National Association | 18 | 6.000% | $220,000 | 52.6% |
| SOUTH RIVER MORTGAGE, LLC | 18 | 8.990% | $160,000 | 14.3% |
| CMG MORTGAGE, INC. | 18 | 7.900% | $225,000 | 24.0% |
| First Horizon Bank | 18 | 7.260% | $395,000 | 27.6% |
| CHAMPIONS FUNDING, LLC | 16 | 7.438% | $385,000 | 46.7% |
| Loandepot.Com, LLC | 15 | 5.990% | $375,000 | 33.3% |
| SPRING EQ, LLC | 14 | 8.500% | $130,000 | 60.0% |
| U.S. Bank National Association | 14 | 7.675% | $370,000 | 9.1% |
| FM Home Loans, LLC | 13 | 6.875% | $605,000 | 0.0% |
| SPACE COAST CREDIT UNION | 12 | 5.250% | $330,000 | 50.0% |
| KIND LENDING, LLC | 12 | 6.438% | $600,000 | 30.0% |
| THE LOAN STORE, INC. | 12 | 7.125% | $470,000 | 5.6% |
| TrustCo Bank | 12 | 5.875% | $215,000 | 13.3% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.625% | $545,000 | 8.3% |
| PLANET HOME LENDING, LLC | 11 | 5.990% | $525,000 | 40.0% |
| Filo Mortgage, L.L.C. | 11 | 6.125% | $515,000 | 7.7% |
| Discover Bank | 10 | 8.000% | $165,000 | 81.8% |
| GUARANTEED RATE, INC. | 10 | 6.313% | $535,000 | 28.6% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 6.999% | $400,000 | 57.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 10 | 6.375% | $360,000 | 0.0% |
| First-Citizens Bank & Trust Company | 10 | 5.990% | $320,000 | 28.6% |
| BUILDERS CHOICE MORTGAGE LLC | 10 | 6.125% | $480,000 | 0.0% |
| Bethpage Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 71.4% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 30.8% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Synovus Bank | 8 | Under 10 loans | Under 10 loans | 46.7% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 70.8% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 8.3% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| THE MORTGAGE FIRM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 22.2% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| VELOCITY COMMUNITY Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Comerica Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 44.4% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Valley National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 70.0% |
| MIDFLORIDA | 4 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 69.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FOUNDATION MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| J. VIRGIL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| City National Bank of Florida | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 55.6% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 33.3% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 42.9% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POWER FINANCIAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Desjardins Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 75.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 77.8% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TROPICAL FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Dort Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Popular Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banesco USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Natbank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CHOICE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 209 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.