Refinancing lenders in Pinellas County
2,396 refinancing mortgages were made in Pinellas County, Florida, in 2025, by 364 lenders. The median rate their borrowers got was 6.290% on a median loan of $295,000. Of 3,750 decisions, 1,141 were denials — 30.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 291 | 5.998% | $365,000 | 23.8% |
| Rocket Mortgage, LLC | 203 | 5.990% | $335,000 | 25.4% |
| Regions Bank | 132 | 4.990% | $85,000 | 38.5% |
| Third Federal Savings and Loan Association of Cleveland | 116 | 6.990% | $160,000 | 29.9% |
| Truist Bank | 102 | 6.290% | $160,000 | 37.2% |
| Bank of America, National Association | 86 | 6.240% | $135,000 | 42.3% |
| FREEDOM MORTGAGE CORPORATION | 73 | 6.250% | $365,000 | 8.4% |
| MIDFLORIDA | 54 | 6.120% | $130,000 | 38.2% |
| Fifth Third Bank, National Association | 53 | 7.900% | $155,000 | 33.7% |
| FLORIDA CENTRAL CREDIT UNION | 53 | 4.990% | $105,000 | 3.6% |
| NEWREZ LLC | 50 | 6.058% | $375,000 | 28.8% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 5.990% | $415,000 | 21.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 43 | 6.250% | $415,000 | 4.3% |
| Kiavi Funding, Inc. | 38 | 7.188% | $220,000 | 23.5% |
| PNC Bank, National Association | 35 | 8.240% | $185,000 | 34.6% |
| LAKEVIEW LOAN SERVICING, LLC | 30 | 6.188% | $400,000 | 60.6% |
| Suncoast Credit Union | 28 | 7.000% | $130,000 | 36.4% |
| GTE Federal Credit Union | 26 | 6.313% | $205,000 | 40.9% |
| GUARANTEED RATE, INC. | 24 | 6.438% | $425,000 | 11.1% |
| JPMorgan Chase Bank, National Association | 24 | 6.500% | $250,000 | 27.3% |
| FINANCE OF AMERICA REVERSE LLC | 23 | 6.625% | $185,000 | 22.6% |
| TD Bank, National Association | 21 | 7.440% | $175,000 | 26.7% |
| Loandepot.Com, LLC | 19 | 5.990% | $375,000 | 13.6% |
| SmartFi Home Loans, LLC | 19 | 8.990% | $155,000 | 9.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $455,000 | 12.9% |
| Synovus Bank | 16 | 8.195% | $180,000 | 14.3% |
| KIND LENDING, LLC | 15 | 6.625% | $445,000 | 44.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.000% | $255,000 | 25.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.188% | $345,000 | 30.0% |
| Fairway Independent Mortgage Corporation | 14 | 6.750% | $440,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 13 | 7.375% | $365,000 | 38.1% |
| Mortgage Research Center, LLC | 12 | 5.750% | $400,000 | 72.7% |
| Navy Federal Credit Union | 12 | 5.750% | $325,000 | 25.0% |
| Bank OZK | 12 | 5.990% | $125,000 | 45.5% |
| CMG MORTGAGE, INC. | 11 | 6.500% | $255,000 | 13.3% |
| Citizens Bank, National Association | 11 | 7.650% | $305,000 | 35.3% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.250% | $245,000 | 15.4% |
| VISTA POINT MORTGAGE, LLC | 10 | 7.125% | $405,000 | 31.8% |
| 254900CTT87ZKAUTIJ37 | 10 | 7.933% | $375,000 | 28.6% |
| First Horizon Bank | 10 | 6.915% | $270,000 | 9.1% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 13.3% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| BayFirst National Bank | 9 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ACHIEVA CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Grow Financial Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 81.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Seacoast National Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| HANCOCK WHITNEY BANK | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GERSHMAN INVESTMENT CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TrustCo Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 61.5% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. CENTURY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Tampa | 2 | Under 10 loans | Under 10 loans | 33.3% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RadiFi Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 90.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 40.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Helm Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRADESCO BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALL REVERSE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 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 164 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.