Refinancing lenders in Miami-Dade County
3,399 refinancing mortgages were made in Miami-Dade County, Florida, in 2025, by 392 lenders. The median rate their borrowers got was 6.500% on a median loan of $415,000. Of 6,121 decisions, 2,277 were denials — 37.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 421 | 5.999% | $465,000 | 32.6% |
| Rocket Mortgage, LLC | 202 | 5.990% | $465,000 | 34.6% |
| TD Bank, National Association | 126 | 7.565% | $270,000 | 40.5% |
| Bank of America, National Association | 110 | 5.990% | $215,000 | 56.2% |
| Truist Bank | 106 | 6.290% | $255,000 | 50.2% |
| A&D Mortgage LLC | 104 | 6.750% | $360,000 | 22.1% |
| PENNYMAC LOAN SERVICES, LLC | 90 | 5.995% | $510,000 | 22.7% |
| FREEDOM MORTGAGE CORPORATION | 87 | 6.250% | $485,000 | 8.0% |
| Citizens Bank, National Association | 87 | 7.750% | $375,000 | 37.0% |
| Regions Bank | 65 | 5.200% | $205,000 | 44.7% |
| Third Federal Savings and Loan Association of Cleveland | 52 | 6.990% | $185,000 | 51.4% |
| SmartFi Home Loans, LLC | 52 | 8.990% | $270,000 | 23.5% |
| Reliable Holdings Manager dba Lendz Financial | 51 | 7.375% | $445,000 | 10.5% |
| JPMorgan Chase Bank, National Association | 48 | 6.063% | $545,000 | 29.7% |
| CHAMPIONS FUNDING, LLC | 46 | 7.250% | $505,000 | 23.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 44 | 6.500% | $310,000 | 25.8% |
| FINANCE OF AMERICA REVERSE LLC | 44 | 6.750% | $385,000 | 17.0% |
| NEWREZ LLC | 41 | 6.250% | $495,000 | 63.9% |
| First Horizon Bank | 39 | 7.360% | $365,000 | 25.8% |
| First American Bank | 39 | 7.500% | $255,000 | 26.4% |
| PNC Bank, National Association | 37 | 7.990% | $265,000 | 51.8% |
| Cornerstone First Mortgage, Inc | 37 | 7.250% | $325,000 | 14.0% |
| Paramount Residential Mortgage Group, Inc. | 36 | 6.625% | $480,000 | 5.3% |
| VISTA POINT MORTGAGE, LLC | 35 | 7.500% | $415,000 | 33.9% |
| Kiavi Funding, Inc. | 33 | 7.375% | $425,000 | 36.5% |
| CMG MORTGAGE, INC. | 33 | 7.250% | $465,000 | 16.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 29 | 6.625% | $515,000 | 13.9% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.058% | $420,000 | 36.4% |
| OCMBC, INC. | 28 | 6.875% | $490,000 | 18.6% |
| PHH Mortgage Corporation | 27 | 6.125% | $285,000 | 30.8% |
| SOUTH RIVER MORTGAGE, LLC | 26 | 8.990% | $260,000 | 3.7% |
| LONGBRIDGE FINANCIAL, LLC | 26 | 6.688% | $345,000 | 27.7% |
| DEEPHAVEN MORTGAGE LLC | 26 | 7.250% | $240,000 | 35.0% |
| THE LOAN STORE, INC. | 24 | 6.875% | $430,000 | 11.6% |
| United Community Bank | 24 | 6.500% | $310,000 | 28.6% |
| SPACE COAST CREDIT UNION | 22 | 5.500% | $130,000 | 59.0% |
| NQM FUNDING, LLC | 21 | 7.374% | $445,000 | 21.2% |
| City National Bank of Florida | 20 | 6.563% | $900,000 | 25.9% |
| MY MORTGAGE, INC. | 20 | 6.625% | $350,000 | 3.7% |
| Citadel Servicing Corporation | 19 | 7.000% | $695,000 | 8.3% |
| PENTAGON FEDERAL CREDIT UNION | 19 | 7.875% | $275,000 | 47.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.625% | $415,000 | 33.3% |
| PLANET HOME LENDING, LLC | 18 | 5.870% | $500,000 | 28.6% |
| FM Home Loans, LLC | 18 | 7.313% | $900,000 | 0.0% |
| BRADESCO BANK | 18 | 6.750% | $560,000 | 14.3% |
| Fifth Third Bank, National Association | 17 | 7.900% | $215,000 | 56.1% |
| SPRING EQ, LLC | 17 | 8.875% | $185,000 | 51.3% |
| Wells Fargo Bank, National Association | 16 | 5.875% | $425,000 | 51.5% |
| Hometown Equity Mortgage, LLC | 14 | 7.563% | $505,000 | 77.1% |
| LoanUnited.com, LLC | 14 | 5.625% | $490,000 | 37.5% |
| READY MORTGAGE LENDERS, LLC | 14 | 6.875% | $405,000 | 16.7% |
| FOUNDATION MORTGAGE CORPORATION | 13 | 7.500% | $705,000 | 20.0% |
| Loandepot.Com, LLC | 13 | 5.750% | $585,000 | 48.0% |
| U.S. Bank National Association | 13 | 6.000% | $605,000 | 23.5% |
| Helm Bank USA | 13 | Not published | $555,000 | 31.6% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 13 | 6.325% | $265,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 6.874% | $455,000 | 33.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 12 | 5.938% | $270,000 | 33.3% |
| Banco do Brasil Americas | 12 | 6.875% | $505,000 | 25.0% |
| U.S. CENTURY BANK | 12 | Not published | $1,505,000 | 0.0% |
| CLEAREDGE LENDING LLC | 11 | 6.999% | $585,000 | 33.3% |
| ALLIANT CREDIT UNION | 11 | 9.000% | $265,000 | 38.9% |
| Morgan Stanley Private Bank, National Association | 11 | 5.400% | $1,505,000 | 15.4% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.125% | $475,000 | 69.4% |
| INTELLILOAN, INC. | 10 | 6.125% | $520,000 | 20.0% |
| Lendage, LLC | 10 | 10.875% | $135,000 | 13.3% |
| GEORGIA'S OWN | 10 | 8.000% | $305,000 | 28.6% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 87.5% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 60.0% |
| Bethpage Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 67.9% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| EDUCATIONAL FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 69.9% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 70.4% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 16.7% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 8.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Popular Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| 1ST FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 6 | Under 10 loans | Under 10 loans | 9.1% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| First-Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 30.0% |
| HIGHTECHLENDING INC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Synovus Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONWIDE EQUITIES CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DG PINNACLE FUNDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 81.5% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 33.3% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 54.6% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 12.5% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| POWER FINANCIAL | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOME FINANCING CENTER, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 8.3% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Ocean Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 4 | Under 10 loans | Under 10 loans | 60.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Banesco USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BANKING MORTGAGE SERVICES, B.M.S. CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 70.6% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Seacoast National Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ONY GLO, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Intercredit Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Terrabank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VYSTAR CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Interaudi Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 88.2% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 28.6% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 25.0% |
| INTERNATIONAL FINANCE BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TROPICAL FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 40.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ENNKAR, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Natbank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BrightStar Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | 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 192 lenders each made 2 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.