Refinancing lenders in Lee County
2,076 refinancing mortgages were made in Lee County, Florida, in 2025, by 402 lenders. The median rate their borrowers got was 6.375% on a median loan of $295,000. Of 3,436 decisions, 1,085 were denials — 31.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 275 | 5.874% | $345,000 | 28.3% |
| Rocket Mortgage, LLC | 170 | 5.990% | $325,000 | 35.1% |
| Suncoast Credit Union | 143 | 7.250% | $105,000 | 31.3% |
| FREEDOM MORTGAGE CORPORATION | 98 | 6.250% | $350,000 | 5.0% |
| Third Federal Savings and Loan Association of Cleveland | 74 | 6.990% | $120,000 | 31.3% |
| Fifth Third Bank, National Association | 61 | 7.650% | $125,000 | 40.2% |
| PENNYMAC LOAN SERVICES, LLC | 59 | 5.990% | $335,000 | 23.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 52 | 6.125% | $340,000 | 8.1% |
| LAKE MICHIGAN CREDIT UNION | 35 | 6.990% | $255,000 | 15.6% |
| Truist Bank | 34 | 6.458% | $105,000 | 50.0% |
| Bank of America, National Association | 33 | 6.125% | $105,000 | 41.4% |
| Regions Bank | 30 | 4.990% | $105,000 | 47.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 28 | 6.500% | $335,000 | 21.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 25 | 5.990% | $365,000 | 11.7% |
| NEWREZ LLC | 24 | 6.688% | $340,000 | 50.9% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 5.875% | $405,000 | 61.5% |
| LIMA ONE CAPITAL, LLC | 23 | 9.450% | $255,000 | 17.9% |
| A&D Mortgage LLC | 20 | 6.490% | $245,000 | 12.5% |
| Loandepot.Com, LLC | 20 | 5.808% | $385,000 | 28.1% |
| Mortgage Research Center, LLC | 19 | 5.750% | $355,000 | 56.8% |
| JPMorgan Chase Bank, National Association | 19 | 5.875% | $315,000 | 33.3% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.370% | $315,000 | 36.4% |
| PLANET HOME LENDING, LLC | 18 | 5.990% | $325,000 | 9.5% |
| PNC Bank, National Association | 17 | 7.740% | $205,000 | 39.3% |
| GUARANTEED RATE, INC. | 14 | 6.483% | $380,000 | 22.2% |
| Kiavi Funding, Inc. | 14 | 7.375% | $270,000 | 30.0% |
| First Horizon Bank | 14 | 7.255% | $100,000 | 25.0% |
| INTELLILOAN, INC. | 13 | 6.125% | $325,000 | 11.8% |
| PHH Mortgage Corporation | 13 | 6.125% | $305,000 | 13.3% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 6.625% | $215,000 | 31.6% |
| CHAMPIONS FUNDING, LLC | 13 | 7.875% | $245,000 | 23.5% |
| MOVEMENT MORTGAGE, LLC | 13 | 5.875% | $285,000 | 5.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.375% | $170,000 | 13.3% |
| Broker Solutions, Inc. | 11 | 6.750% | $305,000 | 42.1% |
| KIND LENDING, LLC | 11 | 6.625% | $315,000 | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 8.125% | $255,000 | 21.4% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.438% | $330,000 | 0.0% |
| Stifel Bank and Trust | 10 | 6.125% | $285,000 | 9.1% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| VISTA POINT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 64.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| TD Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| ICE LENDER HOLDINGS LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| MIDFLORIDA | 7 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Busey Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SmartFi Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 7.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 53.8% |
| HARTFORD FUNDING, LTD. | 6 | Under 10 loans | Under 10 loans | 18.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VAN DYK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 52.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Sanibel Captiva Community Bank | 4 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900T8N4RLS6G3BF64 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TrustCo Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valley West Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ResMac, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 92.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 80.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE 1 INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 16.7% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| READY MORTGAGE LENDERS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FLORIDA CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, 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% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Associated Bank, 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 202 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.