The Lenders Community Survey gathers homeowners feedback and 150 lenders recommendations for Florida home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: March 13, 2025
<< Human Powered Recommendations >>
Florida’s Top Lenders for Home Refinance Loans
Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St-Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay, Online lenders.
Recommendations are gathered from 1,091 members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Florida Homeowners:
Florida Home Refinance Mortgage
Home Refinance Loan Calculator
Florida Home Equity Loan & HELOC
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Florida Homeowners.
Miami – Home Mortgage Refinance Lenders
Miami Dade has lots of banks and credit unions offering home improvement loans. The Community Survey most recommended lenders are Tropical Financial Credit Union and City National Bank of Florida for Miami’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Dade County Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Tropical Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| Space Coast Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
Fort Lauderdale – Home Refinance Lenders
The Community Survey most recommended home improvement loan lenders for Fort Lauderdale area are Power Financial Credit Union and BrightStar Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Dade County Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Tropical Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| Space Coast Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
Palm Beach – Mortgage Refinance Lenders
The Community Survey most recommended home improvement loan lenders for Palm Beach area are Palm Beach County Credit Union and Seacoast National Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| GTE Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Raymond James Bank | Bank | 4.5 | 4.6 | 4.5 | 91% |
Tampa – Mortgage Refinance Lenders
The Community Survey most recommended home improvement loan lenders for Tampa’s area are Suncoast Credit Union and The Bank of Tampa.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| GTE Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Raymond James Bank | Bank | 4.5 | 4.6 | 4.5 | 91% |
Orlando – Home Refinance Lenders
The Community Survey most recommended home improvement loan lenders for Orlando area are Fairwinds Credit Union and Addition Financial Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| GTE Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Raymond James Bank | Bank | 4.5 | 4.6 | 4.5 | 91% |
St-Petersburg – Home Refinance Lenders
The Community Survey most recommended home improvement loan lenders for St-Petersburg area are SunCoast Credit Union and GTE Financial.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| GTE Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Raymond James Bank | Bank | 4.5 | 4.6 | 4.5 | 91% |
Jacksonville – Home Mortgage Refinance Lenders
The Community Survey most recommended home improvement loan lenders for Jacksonville area are Vystar Credit Union and Community First Credit Union of Florida.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Vystar Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Community First Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 92% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
Fort Myers – Home Mortgage Refinance Lenders
The Community Survey most recommended home improvement loan lenders for Fort Myers area are Achieva Credit Union and Sanibel Captiva Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Space Coast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Florida Community Bank | Community Bank | 4.4 | 4.5 | 4.4 | 90% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
Lakeland – Home Refinance Loans Lenders
The Community Survey most recommended home improvement loan lenders for Lakeland area are MidFlorida Credit Union and CenterState Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Space Coast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Florida Community Bank | Community Bank | 4.4 | 4.5 | 4.4 | 90% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
Palm Bay – Home Refinance Loans Lenders
The Community Survey most recommended home improvement loan lenders for Palm Bay area are Space Coast Credit Union and Achieva Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|
| Space Coast Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| MidFlorida Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 91% |
| Community Bank of Florida | Community Bank | 4.4 | 4.5 | 4.6 | 91% |
| FirstBank Florida | Community Bank | 4.3 | 4.4 | 4.3 | 87% |
| Amerant Bank | Community Bank | 4.5 | 4.6 | 4.5 | 89% |
| City National Bank of Florida | Community Bank | 4.6 | 4.5 | 4.7 | 92% |
| Florida Community Bank | Community Bank | 4.4 | 4.5 | 4.4 | 90% |
| Chase Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Wells Fargo | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Bank of America | Bank | 4.5 | 4.4 | 4.3 | 87% |
| TD Bank | Bank | 4.4 | 4.3 | 4.2 | 86% |
| Regions Bank | Bank | 4.3 | 4.2 | 4.1 | 85% |
| Seacoast National Bank | Bank | 4.4 | 4.3 | 4.4 | 88% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
Online Lenders – Mortgage Refinance in Florida
The Community Survey most recommended lenders online lenders are LightStream and SoFi.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $2.5M | 6.00% – 7.50% | 15-30 years | 4.8 | 4.7 | 4.6 | 95% |
| Better.com | Up to $2M | 6.25% – 7.75% | 15-30 years | 4.7 | 4.8 | 4.5 | 94% |
| LoanDepot | Up to $3M | 6.50% – 8.00% | 15-30 years | 4.6 | 4.7 | 4.6 | 93% |
| Guaranteed Rate | Up to $2.5M | 6.25% – 7.75% | 15-30 years | 4.5 | 4.6 | 4.5 | 92% |
| New American Funding | Up to $3M | 6.75% – 8.25% | 15-30 years | 4.7 | 4.5 | 4.4 | 91% |
| Quicken Loans | Up to $2.5M | 6.00% – 7.50% | 15-30 years | 4.6 | 4.4 | 4.3 | 90% |
| Freedom Mortgage | Up to $3M | 6.50% – 8.00% | 15-30 years | 4.5 | 4.3 | 4.2 | 89% |
| PennyMac | Up to $3M | 6.25% – 7.75% | 15-30 years | 4.6 | 4.5 | 4.4 | 91% |
| Caliber Home Loans | Up to $3M | 6.75% – 8.25% | 15-30 years | 4.5 | 4.6 | 4.5 | 92% |
| Fairway Independent Mortgage | Up to $2.5M | 6.50% – 8.00% | 15-30 years | 4.4 | 4.3 | 4.2 | 88% |
| Movement Mortgage | Up to $3M | 6.25% – 7.75% | 15-30 years | 4.3 | 4.2 | 4.1 | 87% |
| Flagstar Bank | Up to $3M | 6.75% – 8.25% | 15-30 years | 4.5 | 4.4 | 4.3 | 90% |
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