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refinance lenders · HMDA 2023–2025

Refinance lenders in Miami-Dade County, Florida

Fat Boy Data analyzed mortgage refinance activity in Miami-Dade 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. 11,702 applications were decided by 394 lenders between 2023 and 2025.

Miami-Dade County at a glance

394Active lenders82 with 20+ decisions
59.0%Market approval rate6,907 of 11,702 decided
$345KTypical loanmedian lender, $10K brackets
90%Borrower take-up6,229 loans funded

How Miami-Dade County compares

Approval rate compared
Miami-Dade County59.0%Florida66.8%All 616 counties76.5%
Typical loan compared
Miami-Dade County$345KFlorida$315KAll 616 counties$295K

What the data shows

TD Bank, National Association made the most mortgage refinances in Miami-Dade County, FL, 326 of them.

My Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 99% of 69.

Lenders approved 59.0% of mortgage refinance applications in Miami-Dade County, FL, 7.8 percentage points below the Florida rate of 66.8%.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 11% approved of 63Discover Bank: 19% approved of 423Navy Federal Credit Union: 28% approved of 36Lakeview Loan Servicing, LLC: 33% approved of 415Newrez LLC: 35% approved of 190Carrington Mortgage Services, LLC: 36% approved of 56Spring Eq, LLC: 39% approved of 138Fourleaf: 40% approved of 58Bank of America, National Association: 43% approved of 777Wells Fargo Bank, National Association: 47% approved of 216Third Federal Savings And Loan Association Of Cleveland: 47% approved of 264Fifth Third Bank, National Association: 47% approved of 51Truist Bank: 50% approved of 580Mortgage Research Center, LLC: 50% approved of 50Pentagon Federal Credit Union: 51% approved of 85PNC Bank, National Association: 52% approved of 250Flagstar Bank, National Association: 52% approved of 46Space Coast Credit Union: 52% approved of 181Loandepot.Com, LLC: 54% approved of 54United Community Bank: 54% approved of 54Regions Bank: 54% approved of 371Seacoast National Bank: 55% approved of 44SouthState Bank, National Association: 56% approved of 34TD Bank, National Association: 56% approved of 587Synovus Bank: 57% approved of 42Educational Federal Credit Union: 59% approved of 34Nationstar Mortgage LLC: 60% approved of 75Deephaven Mortgage LLC: 60% approved of 35Alliant Credit Union: 61% approved of 46Planet Home Lending, LLC: 61% approved of 49Citizens Bank, National Association: 62% approved of 331Onity Mortgage Corporation: 62% approved of 113First American Bank: 62% approved of 120Rocket Mortgage, LLC: 64% approved of 532United Wholesale Mortgage, LLC: 65% approved of 1,069Ready Mortgage Lenders, LLC: 66% approved of 35First Horizon Bank: 69% approved of 212JPMorgan Chase Bank, National Association: 69% approved of 144Pennymac Loan Services, LLC: 70% approved of 216Ocmbc, Inc.: 73% approved of 37Longbridge Financial, LLC: 73% approved of 123Smartfi Home Loans , LLC: 74% approved of 89City National Bank of Florida: 74% approved of 35Mutual of Omaha Mortgage, Inc.: 74% approved of 152Foundation Mortgage Corporation: 74% approved of 43Nqm Funding, LLC: 77% approved of 100Traditional Mortgage Acceptance Corporation: 77% approved of 57U.S. Bank National Association: 78% approved of 37Cmg Mortgage, Inc.: 80% approved of 65A&D Mortgage LLC: 82% approved of 114Finance of America Reverse LLC: 83% approved of 176Village Capital & Investment LLC: 86% approved of 125The Loan Store, Inc.: 86% approved of 74Freedom Mortgage Corporation: 90% approved of 224Paramount Residential Mortgage Group, Inc.: 90% approved of 84Citadel Servicing Corporation: 92% approved of 36Power Financial: 95% approved of 431St Financial, Inc.: 96% approved of 45South River Mortgage, LLC: 97% approved of 37My Mortgage, Inc.: 99% approved of 69

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

Refinance lenders in Miami-Dade County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only65%700 / 1,06995%$465K668
2Bank of America, National Association43%334 / 77797%$205K325
3TD Bank, National Association56%330 / 58799%$255K326
4Truist Bank50%288 / 58091%$235K261
5Rocket Mortgage, LLC64%339 / 53294%$415K317

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 389 more lenders.

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Other lending data for Miami-Dade County

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Nearby markets

All lending in Miami-Dade CountyCounty overviewRefinance across FloridaStatewideBroward CountyNearby countyCollier CountyNearby county