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refinance lenders · HMDA 2023–2025

Refinance lenders in Pinellas County, Florida

Fat Boy Data analyzed mortgage refinance activity in Pinellas County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 7,224 applications were decided by 353 lenders between 2023 and 2025.

Pinellas County at a glance

353Active lenders56 with 20+ decisions
68.2%Market approval rate4,927 of 7,224 decided
$175KTypical loanmedian lender, $10K brackets
92%Borrower take-up4,548 loans funded

How Pinellas County compares

Approval rate compared
Pinellas County68.2%Florida66.8%All 616 counties76.5%
Typical loan compared
Pinellas County$175KFlorida$315KAll 616 counties$295K

What the data shows

Regions Bank made the most mortgage refinances in Pinellas County, FL, 374 of them.

Floridacentral Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 95% of 66.

The typical mortgage refinance here is $175K, 44% smaller than the Florida typical of $315K.

Approval rate of all 56 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 9% approved of 33Amerisave Mortgage Corporation: 20% approved of 20Carrington Mortgage Services, LLC: 26% approved of 27Discover Bank: 27% approved of 185Spring Eq, LLC: 35% approved of 51Mortgage Research Center, LLC: 38% approved of 78Pentagon Federal Credit Union: 46% approved of 35Lakeview Loan Servicing, LLC: 49% approved of 183Bank of America, National Association: 55% approved of 396Onity Mortgage Corporation: 59% approved of 27Midflorida: 59% approved of 239Navy Federal Credit Union: 60% approved of 42Kind Lending, LLC: 60% approved of 25U.S. Bank National Association: 61% approved of 33Truist Bank: 61% approved of 425TD Bank, National Association: 61% approved of 83Regions Bank: 63% approved of 675Fifth Third Bank, National Association: 64% approved of 192Newrez LLC: 64% approved of 96Synovus Bank: 64% approved of 80SouthState Bank, National Association: 64% approved of 28Suncoast Credit Union: 64% approved of 104Loandepot.Com, LLC: 65% approved of 37PNC Bank, National Association: 66% approved of 154Third Federal Savings And Loan Association Of Cleveland: 66% approved of 467GTE Federal Credit Union: 69% approved of 227Planet Home Lending, LLC: 70% approved of 23Milend, Inc.: 70% approved of 23Citizens Bank, National Association: 70% approved of 60Wells Fargo Bank, National Association: 71% approved of 41Seacoast National Bank: 71% approved of 31Bank OZK: 72% approved of 36Nationstar Mortgage LLC: 74% approved of 31Grow Financial Federal Credit Union: 75% approved of 24Pennymac Loan Services, LLC: 77% approved of 94Rocket Mortgage, LLC: 77% approved of 434Hancock Whitney Bank: 77% approved of 22United Wholesale Mortgage, LLC: 79% approved of 556Traditional Mortgage Acceptance Corporation: 79% approved of 34BayFirst National Bank: 80% approved of 56JPMorgan Chase Bank, National Association: 80% approved of 46Mutual of Omaha Mortgage, Inc.: 81% approved of 72Cmg Mortgage, Inc.: 81% approved of 31First Horizon Bank: 81% approved of 47Royal United Mortgage LLC: 82% approved of 49Cardinal Financial Company, Limited Partnership: 83% approved of 23Finance of America Reverse LLC: 85% approved of 109Guaranteed Rate, Inc.: 86% approved of 35Achieva Credit Union: 86% approved of 28Village Capital & Investment LLC: 87% approved of 76Longbridge Financial, LLC: 88% approved of 56Smartfi Home Loans , LLC: 88% approved of 24Crosscountry Mortgage, LLC: 89% approved of 64Freedom Mortgage Corporation: 92% approved of 143The Loan Store, Inc.: 93% approved of 30Floridacentral Credit Union: 95% approved of 66

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Pinellas County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank63%427 / 67588%$95K374
2United Wholesale Mortgage, LLCBroker only79%437 / 55695%$365K416
3Third Federal Savings And Loan Association Of Cleveland66%310 / 46795%$155K293
4Rocket Mortgage, LLC77%334 / 43493%$315K312
5Truist Bank61%260 / 42589%$155K232

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 348 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Pinellas County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Nearby markets

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