Refinancing lenders in Orange County
2,591 refinancing mortgages were made in Orange County, Florida, in 2025, by 379 lenders. The median rate their borrowers got was 6.125% on a median loan of $335,000. Of 4,296 decisions, 1,406 were denials — 32.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 390 | 5.750% | $405,000 | 23.2% |
| Rocket Mortgage, LLC | 236 | 5.990% | $355,000 | 26.2% |
| Truist Bank | 121 | 6.290% | $195,000 | 45.3% |
| FREEDOM MORTGAGE CORPORATION | 90 | 6.250% | $415,000 | 6.3% |
| Bank of America, National Association | 90 | 6.240% | $155,000 | 38.8% |
| PENNYMAC LOAN SERVICES, LLC | 82 | 5.995% | $415,000 | 24.8% |
| Regions Bank | 80 | 4.990% | $150,000 | 40.8% |
| Fifth Third Bank, National Association | 72 | 7.900% | $135,000 | 32.5% |
| Third Federal Savings and Loan Association of Cleveland | 54 | 6.990% | $185,000 | 45.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | 6.125% | $455,000 | 17.9% |
| NEWREZ LLC | 43 | 5.990% | $435,000 | 44.1% |
| JPMorgan Chase Bank, National Association | 41 | 6.250% | $375,000 | 22.2% |
| TrustCo Bank | 39 | 5.750% | $175,000 | 29.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 36 | 5.870% | $360,000 | 10.3% |
| TD Bank, National Association | 31 | 7.440% | $275,000 | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 27 | 6.125% | $405,000 | 70.1% |
| PNC Bank, National Association | 27 | 7.300% | $255,000 | 50.0% |
| MIDFLORIDA | 27 | 5.490% | $155,000 | 38.6% |
| Seacoast National Bank | 24 | 7.250% | $180,000 | 27.8% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.125% | $325,000 | 29.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.125% | $215,000 | 12.5% |
| Wells Fargo Bank, National Association | 20 | 5.724% | $450,000 | 30.0% |
| Loandepot.Com, LLC | 20 | 5.990% | $375,000 | 12.0% |
| FAIRWINDS CREDIT UNION | 19 | 6.125% | $235,000 | 38.7% |
| A&D Mortgage LLC | 19 | 6.490% | $355,000 | 20.8% |
| Kiavi Funding, Inc. | 19 | 7.375% | $225,000 | 9.1% |
| Mortgage Research Center, LLC | 18 | 5.813% | $425,000 | 70.5% |
| PLANET HOME LENDING, LLC | 17 | 5.990% | $415,000 | 19.1% |
| Broker Solutions, Inc. | 16 | 6.500% | $360,000 | 41.9% |
| GUARANTEED RATE, INC. | 16 | 5.875% | $395,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 16 | 6.188% | $175,000 | 23.8% |
| United Community Bank | 15 | 6.500% | $305,000 | 25.0% |
| LoanUnited.com, LLC | 14 | 5.500% | $385,000 | 22.2% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 8.063% | $185,000 | 56.3% |
| SouthState Bank, National Association | 14 | 6.720% | $505,000 | 38.5% |
| MOVEMENT MORTGAGE, LLC | 14 | 5.990% | $365,000 | 0.0% |
| FBC MORTGAGE, LLC | 13 | 6.125% | $565,000 | 17.7% |
| PHH Mortgage Corporation | 12 | 5.875% | $320,000 | 27.8% |
| Cornerstone First Mortgage, Inc | 12 | 6.813% | $300,000 | 7.7% |
| First Horizon Bank | 12 | 8.185% | $220,000 | 29.4% |
| THE LOAN STORE, INC. | 12 | 6.558% | $315,000 | 7.7% |
| Lendage, LLC | 12 | 10.938% | $125,000 | 7.7% |
| Navy Federal Credit Union | 11 | 5.750% | $425,000 | 50.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.375% | $345,000 | 21.4% |
| SPACE COAST CREDIT UNION | 11 | 5.250% | $515,000 | 15.4% |
| Discover Bank | 10 | 7.905% | $115,000 | 81.8% |
| SPRING EQ, LLC | 10 | 9.213% | $130,000 | 59.3% |
| Citizens Bank, National Association | 10 | 7.900% | $215,000 | 47.8% |
| OCMBC, INC. | 10 | 6.625% | $285,000 | 13.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.625% | $330,000 | 9.1% |
| Hometown Equity Mortgage, LLC | 10 | 6.938% | $280,000 | 47.4% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 18.8% |
| PARTNERS Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| LONGBRIDGE FINANCIAL, 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 | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Synovus Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 50.0% |
| ALKAN MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Banco do Brasil Americas | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Helm Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 70.8% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 55.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 23.1% |
| McCoy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ADDITION FINANCIAL | 3 | Under 10 loans | Under 10 loans | 42.9% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| JET HOMELOANS, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLORIDA CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ORLANDO CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Natbank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CREDIT UNION of FLORIDA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MetLife, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 20.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 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 179 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.