The Lenders Community Survey gathers homeowners feedback and 120 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
MFP’s Community Lenders Survey most recommended refinance lenders in Fort Lauderdale’s area are Seacoast Bank, SunTrust (Truist) and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Seacoast Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| SunTrust (Truist) | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Paradise Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Florida Employee Loans | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| Grenald Business Solutions | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Kloze Mortgage | Community Bank | 3.5 | 3.5 | 3.5 | 83% |
| Mortgages Direct | Community Bank | 3.0 | 3.5 | 3.5 | 82% |
| Paramount Residential Mortgages | Community Bank | 3.0 | 3.5 | 3.0 | 80% |
| USF Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 78% |
| iTHINK Financial | Credit Union | 3.0 | 3.0 | 3.0 | 76% |
| Space Coast Credit Union | Credit Union | 2.5 | 3.0 | 3.0 | 74% |
| First National Bank of Florida | Community Bank | 2.5 | 3.0 | 2.5 | 72% |
Palm Beach – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Palm Beach’s area are Palm Beach Community Bank, Seacoast Bank and SunTrust (Truist).
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Palm Beach Community Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| Seacoast Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| SunTrust (Truist) | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 91% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 88% |
| First Horizon Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Palm Beach Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 85% |
| SouthState Bank | Community Bank | 3.5 | 4.0 | 3.5 | 84% |
| Centennial Bank | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| Florida Community Bank | Community Bank | 3.0 | 3.5 | 3.5 | 80% |
| Republic Bank | Community Bank | 3.0 | 3.5 | 3.0 | 78% |
| MidFlorida Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 77% |
| Old Florida National Bank | Community Bank | 3.0 | 3.0 | 3.0 | 75% |
| Citizens Bank of Florida | Community Bank | 2.5 | 3.0 | 3.0 | 72% |
Tampa – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Tampa’s area are Grow Financial Credit Union, SunTrust (Truist) and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Grow Financial Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| SunTrust (Truist) | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Seacoast Bank | Community Bank | 4.0 | 4.0 | 4.0 | 90% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 88% |
| MidFlorida Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 86% |
| Centennial Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Florida Central Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 83% |
| Republic Bank | Community Bank | 3.0 | 3.5 | 3.5 | 82% |
| First National Bank of Florida | Community Bank | 3.0 | 3.5 | 3.0 | 80% |
| Publix Employees Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 78% |
| SouthState Bank | Community Bank | 3.0 | 3.0 | 3.0 | 76% |
| Old Florida National Bank | Community Bank | 2.5 | 3.0 | 3.0 | 74% |
| Citizens Bank of Florida | Community Bank | 2.5 | 3.0 | 2.5 | 72% |
Orlando – Home Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Orlando’s area are Orlando Federal Credit Union, SunTrust (Truist) and Fairwinds Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Orlando Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| SunTrust (Truist) | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Fairwinds Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 92% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Seacoast Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| Centennial Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| First National Bank of Florida | Community Bank | 3.5 | 4.0 | 3.5 | 83% |
| Florida Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| Republic Bank | Community Bank | 3.0 | 3.5 | 3.5 | 80% |
| Valencia Credit Union | Credit Union | 3.0 | 3.5 | 3.0 | 78% |
| MidFlorida Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 77% |
| Old Florida National Bank | Community Bank | 3.0 | 3.0 | 3.0 | 75% |
| Citizens Bank of Florida | Community Bank | 2.5 | 3.0 | 3.0 | 72% |
St-Petersburg – Home Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in St. Petersburg’s area are Raymond James Bank, SunTrust (Truist) and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Raymond James Bank | Bank | 4.5 | 4.5 | 5.0 | 96% |
| SunTrust (Truist) | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 92% |
| Seacoast Bank | Community Bank | 4.0 | 4.0 | 4.0 | 90% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Grow Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 88% |
| BayFirst National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Publix Employees Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 83% |
| Florida Central Credit Union | Credit Union | 3.0 | 3.5 | 3.5 | 82% |
| First Home Bank | Community Bank | 3.0 | 3.5 | 3.0 | 80% |
Jacksonville – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Jacksonville’s area are Vystar Credit Union, First Federal Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Vystar Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 97% |
| First Federal Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 93% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 91% |
| Community First Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 90% |
| BB&T (Truist) | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Seacoast Bank | Community Bank | 3.5 | 4.0 | 4.0 | 87% |
| First Citizens Bank | Bank | 3.5 | 3.5 | 3.5 | 85% |
| Ameris Bank | Community Bank | 3.0 | 3.5 | 3.5 | 83% |
| Florida Capital Bank | Community Bank | 3.0 | 3.0 | 3.5 | 81% |
Fort Myers – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Fort Myers’ area are Sanibel Captiva Community Bank, First Florida Integrity Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Sanibel Captiva Community Bank | Community Bank | 4.5 | 4.5 | 5.0 | 97% |
| First Florida Integrity Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 93% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 91% |
| Suncoast Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 90% |
| BB&T (Truist) | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Florida Community Bank | Community Bank | 3.5 | 4.0 | 4.0 | 87% |
| Centennial Bank | Community Bank | 3.5 | 3.5 | 3.5 | 85% |
| First National Bank of Florida | Community Bank | 3.0 | 3.5 | 3.5 | 83% |
| Old Florida National Bank | Community Bank | 3.0 | 3.0 | 3.5 | 81% |
Lakeland – Home Refinance Loans Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lakeland’s area are MidFlorida Credit Union, SunTrust (Truist) and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| MidFlorida Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 97% |
| SunTrust (Truist) | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 93% |
| CenterState Bank | Community Bank | 4.0 | 4.0 | 4.0 | 91% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 90% |
| BB&T (Truist) | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Florida Central Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
| First National Bank of Florida | Community Bank | 3.5 | 3.5 | 3.5 | 85% |
| Publix Employees Credit Union | Credit Union | 3.0 | 3.5 | 3.5 | 83% |
| Citizens Bank & Trust | Community Bank | 3.0 | 3.0 | 3.5 | 81% |
Palm Bay – Home Refinance Loans Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Palm Bay’s area are Community Credit Union of Florida, Florida Credit Union and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Community Credit Union of Florida | Credit Union | 4.5 | 4.5 | 5.0 | 97% |
| Florida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Bank of America | Bank | 4.0 | 4.0 | 4.5 | 93% |
| BB&T (Truist) | Bank | 4.0 | 4.0 | 4.0 | 91% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 87% |
| First Federal Bank | Community Bank | 3.5 | 3.5 | 3.5 | 85% |
| Seacoast Bank | Community Bank | 3.0 | 3.5 | 3.5 | 83% |
| Centennial Bank | Community Bank | 3.0 | 3.0 | 3.5 | 81% |
Best Online Lenders – Mortgage Refinance in Florida
The Community Survey most recommended lenders online lenders in Florida are Nationwide Mortgage Bankers, Ally Home, Better, Tomo and Rocket Mortgage.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Ally Home | Up to jumbo limits | Varies by credit | 15–30 years | 5.0 | 4.5 | 4.0 | 97% |
| Better | $100K–$2M | Competitive | 10–30 years | 5.0 | 4.5 | 4.5 | 96% |
| Tomo | Conforming & jumbo | Below market avg. | Flexible | 4.5 | 5.0 | 4.0 | 95% |
| Zillow Home Loans | Up to $3M | Low APR options | Fixed & ARM | 4.5 | 4.0 | 4.5 | 94% |
| Sage Home Loans | $50K–$1.5M | Flat-fee structure | Custom terms | 4.0 | 4.5 | 4.0 | 93% |
| Rocket Mortgage | $50K–$2.5M | Market-based | 8–29 years | 5.0 | 4.0 | 4.0 | 95% |
| LowRates.com | $100K–$2M | Competitive | 10–30 years | 4.0 | 4.0 | 3.5 | 90% |
| Nationwide Mortgage Bankers | Up to $3M | Low VA/FHA rates | 15–30 years | 4.5 | 4.5 | 5.0 | 98% |
| AmeriSave Mortgage | $100K–$1.5M | No origination fees | Fixed & ARM | 4.0 | 4.0 | 3.5 | 92% |
| CrossCountry Mortgage (Online) | Up to $2M | Low closing costs | Custom terms | 4.5 | 4.0 | 4.5 | 94% |
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