See ratings for 120 Florida mortgage lenders with the feedback of local homeowners who recently shopped for a home loan. Scores cover application ease, rates, and lender guidance. Find the full MFP Mortgage Lenders Community Survey.
Updated: June 29, 2026
<< Human Powered Recommendations by Florida Homebuyers >>
Florida Best Rated Mortgage Lenders
Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St-Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay, Online lenders, Brokers & Consultants
Florida Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Florida by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.42 | 4.40 | 4.47 | 90% |
| Community Banks | 4.01 | 4.06 | 4.18 | 85% |
| Banks | 4.40 | 4.21 | 4.15 | 87% |
| Online Lenders | 4.17 | 4.00 | 4.04 | 87% |
Recommendations are gathered from 3,195 members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your new home 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 loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Florida Home Buyers:
Florida Down Payment Assistance Programs
Florida Best Home Insurance from Community recommendations & Costs by Home Values & Cities
More Florida Homeowners Resources.
Miami Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Miami’s area are Suncoast Credit Union, Bank of America, and City National Bank of Florida.
- Highest Recommend % (96%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight tailored solutions for first-time buyers and competitive jumbo loan rates.
- Top-tier Easy Application (4.8) and Loan Terms (4.7) ratings, with hybrid digital/in-person application options.
- Users love its Affordable Loan Solution program for low down payments without PMI.
- Perfect 5.0 in Support & Guidance and 4.6 in Loan Terms, specializing in Florida-specific programs like bridge loans.
- Homeowners emphasize local underwriting and flexible options for homebuyers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.7 | 4.9 | 96% |
| Bank of America | Bank | 4.8 | 4.7 | 4.5 | 94% |
| City National Bank of Florida | Bank | 4.5 | 4.6 | 5.0 | 92% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.7 | 90% |
| Fairwinds Credit Union | Credit Union | 4.3 | 4.4 | 4.6 | 89% |
| Florida Credit Union | Credit Union | 4.2 | 4.3 | 4.5 | 88% |
| Chase | Bank | 4.6 | 4.2 | 4.1 | 87% |
| GTE Financial | Credit Union | 4.1 | 4.2 | 4.3 | 86% |
| One Florida Bank | Community Bank | 4.0 | 4.1 | 4.2 | 85% |
| Amerant Bank | Community Bank | 3.9 | 4.0 | 4.1 | 84% |
| Space Coast Credit Union | Credit Union | 3.8 | 3.9 | 4.0 | 83% |
| MIDFLORIDA Credit Union | Credit Union | 3.7 | 3.8 | 3.9 | 82% |
| First Florida Credit Union | Credit Union | 3.6 | 3.7 | 3.8 | 81% |
| Grove Bank & Trust | Community Bank | 3.5 | 3.6 | 3.7 | 80% |
| Veterans United Home Loans | Bank | 3.4 | 3.5 | 3.6 | 79% |
Miami Homebuyers Overview
Brickell
Housing varies from luxurious high-rise condos to charming townhouses with state-of-the-art high rises and mid-rise townhomes dominating the landscape. Brickell serves as Miami’s financial and tech hub, attracting a corporate crowd to its upscale neighborhood atmosphere. Local favorites: Barsecco, Cafe Americano.
Wynwood
The neighborhood features a mix of rental properties with 88% being entire homes and a strong concentration of one-bedroom properties. Wynwood’s arts district atmosphere attracts residents who appreciate the creative community and vibrant street art scene. Local favorites: Wynwood Marketplace, Mayami Wynwood.
Little Havana
Little Havana offers a mix of housing types, including single-family homes and apartments with architectural styles ranging from charming Art Deco buildings to traditional Cuban-inspired designs. The neighborhood provides an authentic Hispanic cultural experience with Cuban cuisine, cafecito, cigars, salsa dancing, and regular domino games creating a vibrant community atmosphere. Local favorites: Cafe La Trova, MIAM Cafe.
Local Programs & Resources:
- Miami-Dade Homebuyer Down Payment Assistance Program: Qualifying homebuyers can receive an interest-free loan of up to $35,000 to cover the down payment for their first home.
- City of Miami First Time Homebuyer Program: Provides zero percent deferred loans to first-time, income eligible homebuyers purchasing a property in the City of Miami.
Fort Lauderdale Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fort Lauderdale’s area are Suncoast Credit Union, Bank of America, and Tropical Financial Credit Union.
- Highest Recommend % (95%) and Support & Guidance (4.8) scores among all lenders, with 4.6 in Loan Terms & Rate.
- Homeowners feedback highlight quick approval times and personalized service for South Florida homebuyers.
- Top scores in Easy Application (4.7) and Loan Terms & Rate (4.6) among national banks.
- Users frequently mention consistent communication throughout the loan process.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize competitive rates for jumbo loans and condominium financing.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 95% |
| Bank of America | Bank | 4.7 | 4.6 | 4.5 | 93% |
| Tropical Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Power Financial Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 89% |
| Chase | Bank | 4.6 | 4.3 | 4.2 | 88% |
| City National Bank of Florida | Bank | 4.3 | 4.3 | 4.3 | 87% |
| Fairwinds Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 86% |
| Wells Fargo | Bank | 4.5 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.1 | 4.1 | 4.1 | 84% |
| Space Coast Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
| MIDFLORIDA Credit Union | Credit Union | 3.9 | 3.9 | 4.0 | 82% |
| One Florida Bank | Community Bank | 3.8 | 3.8 | 3.9 | 81% |
| Amerant Bank | Community Bank | 3.7 | 3.7 | 3.8 | 80% |
| GTE Financial | Credit Union | 3.6 | 3.6 | 3.7 | 79% |
| Grove Bank & Trust | Community Bank | 3.5 | 3.5 | 3.6 | 78% |
Fort Lauderdale Homebuyers Overview
Las Olas
The area features upscale condominiums, luxury apartments, and historic homes along the prestigious Las Olas Boulevard. This waterfront neighborhood attracts residents who enjoy fine dining, boutique shopping, and easy access to beaches and the Riverwalk. Local favorites: Big City Tavern, Wild East Asian Bistro.
Victoria Park
Housing includes renovated 1930s “Florida Cracker” style wood-frame homes alongside modern apartments, condos, and townhomes. This LGBTQ+ friendly neighborhood maintains an “Old Florida” vibe with tree-lined streets and waterfront properties creating a peaceful atmosphere within walking distance of downtown. Local favorites: Heritage Restaurant, il Mulino Fort Lauderdale.
Flagler Village
The neighborhood offers modern apartments, trendy lofts, and luxury condos with average one-bedroom rents around $2,100 per month. Fort Lauderdale’s version of Miami’s Wynwood, this former industrial area is now colored in murals with an undeniably hip vibe and home to the Flagler Arts and Technology District. Local favorites: Laudy Bar Craft Kitchen, Glitch Bar & Arcade.
Local Programs & Resources:
- City of Fort Lauderdale First-Time Homebuyers Program: Assists income-eligible homebuyers purchasing property in Fort Lauderdale city limits with loans up to $75,000 towards down payment and closing costs.
- Broward County Housing Finance Division: Offers Home Buyer Purchase Assistance in the form of a deferred payment second mortgage at 0% interest with a 15-year term.
West Palm Beach Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in West Palm Beach’s area are 1st Florida Mortgage, Suncoast Credit Union, and Bank of America.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback consistently love their in-house underwriting and fast closing times.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) among credit unions.
- Users highlight personalized service and competitive jumbo loan rates.
- Strong balanced ratings with 4.6 in both Easy Application and Loan Terms categories.
- Homeowners emphasize consistent communication throughout the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| 1st Florida Mortgage | Community Bank | 4.7 | 4.8 | 5.0 | 96% |
| Suncoast Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Bank of America | Bank | 4.6 | 4.6 | 4.5 | 92% |
| Tropical Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Chase | Bank | 4.6 | 4.4 | 4.3 | 89% |
| Wells Fargo | Bank | 4.5 | 4.3 | 4.2 | 88% |
| Power Financial Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 87% |
| City National Bank of Florida | Bank | 4.3 | 4.2 | 4.3 | 86% |
| Fairwinds Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 85% |
| First Horizon Bank | Bank | 4.1 | 4.0 | 4.1 | 84% |
West Palm Beach Homebuyers Overview
Clematis Street/Downtown
Housing options include luxury high-rise condos like 610 Clematis with 246 units in an 8-story building, plus modern apartments and lofts. The heart of West Palm Beach features the historic Clematis Street district with easy access to waterfront areas and diverse civic buildings. Local favorites: Batch Southern Kitchen & Tap, Ristorante Santucci.
Flagler Drive Waterfront
Homes range from modern waterfront condos to elegant estates with unique architectural designs that enhance the stunning Intracoastal Waterway surroundings. This prestigious waterfront corridor offers sophisticated living with both contemporary luxury and timeless elegance options. Local favorites: El Camino West Palm Beach, Spruzzo West Palm.
Local Programs & Resources:
- Palm Beach County SHIP Purchase Assistance Program: Provides up to $100,000 to assist income-eligible first-time homebuyers with acquisition, down payment, and closing costs.
- Palm Beach County Housing Finance Authority: Offers 30-year fixed rate mortgages with down payment and closing cost assistance for qualified borrowers.
Tampa Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Tampa’s area are Suncoast Credit Union, GTE Financial, and Florida Credit Union.
- Highest Recommend % (96%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight exceptional responsiveness and competitive jumbo loan rates for Tampa properties.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) among credit unions, with 4.6 in Support & Guidance.
- Users frequently mention specialized programs for medical professionals and first-time homebuyers.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize personalized service and the Local Heroes program benefits.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.7 | 4.9 | 96% |
| GTE Financial | Credit Union | 4.8 | 4.7 | 4.6 | 94% |
| Florida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Tampa Bay Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 90% |
| Bank of America | Bank | 4.6 | 4.3 | 4.2 | 89% |
| Central Bank | Community Bank | 4.3 | 4.2 | 4.3 | 88% |
| Chase | Bank | 4.5 | 4.1 | 4.0 | 87% |
| Wells Fargo | Bank | 4.4 | 4.0 | 3.9 | 86% |
| Raymond James Bank | Bank | 4.2 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.1 | 4.0 | 4.0 | 84% |
Tampa Homebuyers Overview
Downtown
Housing options include luxury high-rise condos like 610 Clematis with 246 units in an 8-story building, plus modern apartments and lofts. The heart of Tampa features the historic district with easy access to waterfront areas and diverse civic buildings. Local favorites: Batch Southern Kitchen & Tap, Ristorante Santucci.
Flagler Drive Waterfront
Homes range from modern waterfront condos to elegant estates with unique architectural designs that enhance the stunning Intracoastal Waterway surroundings. This prestigious waterfront corridor offers sophisticated living with both contemporary luxury and timeless elegance options. Local favorites: El Camino West Palm Beach, Spruzzo West Palm.
Orlando Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Orlando’s area are Orlando Credit Union, Florida Credit Union, and USF Credit Union.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback highlight their competitive 30-year fixed rate of 6.96% APR and specialized first-time homebuyer programs.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with their FCU Local Heroes™ program offering $575 lender credit.
- Users frequently mention responsive service and competitive rates for conventional mortgages.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance, featuring unique program.
- Homeowners like flexible terms and educator/medical professional programs with up to 100% financing.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Orlando Credit Union | Credit Union | 4.7 | 4.8 | 5.0 | 96% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| USF Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Wings Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Community Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 88% |
| Bank of America | Bank | 4.6 | 4.3 | 4.2 | 87% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 86% |
| Wells Fargo | Bank | 4.4 | 4.1 | 4.0 | 85% |
| Fairwinds Credit Union | Credit Union | 4.3 | 4.0 | 4.1 | 84% |
| Suncoast Credit Union | Credit Union | 4.2 | 4.0 | 4.0 | 83% |
Orlando Homebuyers Overview
Thornton Park
Housing ranges from historic homes to modern condos and townhomes in this trendy neighborhood. Located on the southeast side of Lake Eola, this area features brick streets, bungalow-style houses, and a dog-friendly atmosphere with easy access to downtown Orlando. Local favorites: RusTeak Thornton Park, The Classic Thornton Park.
Downtown Orlando
Housing includes high-rise condos, luxury apartments, and converted loft spaces with modern amenities and urban conveniences. The city center attracts young professionals and urban lifestyle enthusiasts who want walkable access to entertainment, dining, and Lake Eola Park. Local favorites: Osphere Neighborhood Grill & Bar, The Monroe.
Local Programs & Resources:
- City of Orlando Down Payment Assistance Program: Provides up to $45,000 assistance to qualified first-time homebuyers for down payment and closing costs on homes within city limits.
- Orange County Homebuyer Down Payment Assistance: Offers down payment assistance to eligible first-time homebuyers purchasing homes in Orange County.
St-Petersburg Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St. Petersburg’s area are Suncoast Credit Union, Raymond James Bank, and Pinellas Federal Credit Union.
- Highest Recommend % (96%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight their responsive service and competitive jumbo loan rates for St. Petersburg properties.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) among banks, with 4.6 in Support & Guidance.
- Users frequently mention their state bond programs and personalized approach to mortgage lending.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize their competitive rates and helpful guidance throughout the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Suncoast Credit Union | Credit Union | 4.7 | 4.7 | 4.9 | 96% |
| Raymond James Bank | Bank | 4.8 | 4.7 | 4.6 | 94% |
| Pinellas Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Florida Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 90% |
| Bank of America | Bank | 4.6 | 4.3 | 4.2 | 89% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 88% |
| Wells Fargo | Bank | 4.4 | 4.1 | 4.0 | 87% |
| USF Credit Union | Credit Union | 4.3 | 4.0 | 4.1 | 86% |
| Cogent Bank | Bank | 4.2 | 4.1 | 4.0 | 85% |
| Waterstone Mortgage | Bank | 4.1 | 4.0 | 4.0 | 84% |
St. Petersburg Homebuyers Overview
Downtown St. Petersburg
Housing includes high-rise condos, converted loft spaces, and modern apartments with urban amenities. The walkable downtown area features rainbow crosswalks, art galleries, and diverse dining options with easy access to St. Pete Pier and the Dali Museum. Local favorites: Craft Kafe, Saturday Morning Market.
EDGE District
Housing ranges from historic homes to modern condos and townhomes in this revitalized neighborhood between Dr. MLK Jr. & 16th Streets. This designated Florida Main Street district features locally-owned craft beer pubs, art galleries, boutique shops, and a sustainable local economy atmosphere. Local favorites: The Crumb Factory, Mazzaro’s Italian Market.
Local Programs & Resources:
- City of St. Petersburg Housing Down Payment Assistance Program: Provides up to $75,000 in zero percent deferred forgivable loans to income-eligible homebuyers with 10-year occupancy requirement.
- Pinellas County Down Payment Assistance Program: Offers down payment and closing cost assistance to qualified first-time homebuyers in unincorporated areas and participating municipalities.
Jacksonville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Jacksonville’s area are Florida Credit Union, Ameris Bank, and Community First Credit Union.
- Highest Recommend % (95%) and Support & Guidance (4.8) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight their responsive service and competitive rates for conventional mortgages.
- Top scores in Easy Application (4.7) and Loan Terms (4.6) among banks, with 4.5 in Support & Guidance.
- Users frequently mention their specialized programs for diverse communities and competitive jumbo loan rates.
- Strong balanced ratings with 4.5 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize personalized service and helpful guidance throughout the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Florida Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 95% |
| Ameris Bank | Bank | 4.7 | 4.6 | 4.5 | 93% |
| Community First Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| RadiFi Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 89% |
| First Federal Bank | Bank | 4.3 | 4.3 | 4.3 | 88% |
| Regions Bank | Bank | 4.5 | 4.2 | 4.1 | 87% |
| Self-Help Credit Union | Credit Union | 4.2 | 4.2 | 4.2 | 86% |
| Bank of America | Bank | 4.4 | 4.1 | 4.0 | 85% |
| Chase | Bank | 4.3 | 4.0 | 3.9 | 84% |
| Wells Fargo | Bank | 4.2 | 3.9 | 3.8 | 83% |
Jacksonville Homebuyers Overview
Riverside
This historic neighborhood features a variety of homes, including bungalows and classic American Foursquare houses, often with large front porches. The area’s community is highly active, with residents enjoying walkable streets, community parks like Memorial Park along the St. Johns River, and the popular Riverside Arts Market. Local favorites: River & Post, Riverside Arts Market.
San Marco
Housing in San Marco includes a mix of vintage single-family homes, multi-family options, and Mediterranean-inspired architecture. This neighborhood is known for its local shopping and dining district, centered around San Marco Square, which offers a village-like atmosphere with European influences. Local favorites: San Marco Square, Bitty & Beau’s Coffee.
Avondale
Avondale is characterized by its large, historic homes, including Colonial and Tudor Revival styles, as well as smaller bungalows. It is a highly walkable area, with residents frequenting The Shoppes of Avondale for unique, local boutiques and restaurants. Local favorites: BREW Five Points, Boone Park.
Local Programs & Resources:
- Florida Hometown Heroes Housing Program: A state program offering down payment and closing cost assistance to eligible full-time workers in specific professions, such as healthcare, education, and public safety.
- City of Jacksonville Homebuyers Education Course: An in-person workshop that educates prospective homebuyers on topics like managing personal finances, understanding credit scores, and the mortgage qualification process.
Lakeland Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lakeland’s area are MIDFLORIDA Credit Union, Florida Credit Union, and Suncoast Credit Union.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback highlight their local expertise and streamlined application process for Lakeland homebuyers.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with 4.7 in Support & Guidance.
- Users frequently mention competitive rates and helpful guidance for first-time homebuyers.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize responsive service and competitive jumbo loan options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| MIDFLORIDA Credit Union | Credit Union | 4.7 | 4.8 | 5.0 | 96% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 89% |
| Bank of America | Bank | 4.4 | 4.3 | 4.2 | 87% |
| First Horizon Bank | Bank | 4.3 | 4.2 | 4.1 | 86% |
| Chase | Bank | 4.5 | 4.1 | 4.0 | 85% |
| Wells Fargo | Bank | 4.4 | 4.0 | 3.9 | 84% |
Lakeland Homebuyers Overview
Dixieland
Dixieland is a historic neighborhood featuring classic bungalow homes built in the 1920s and 1930s with front porches and mature landscaping. The community is known for its walkable streets and a vibrant commercial corridor filled with vintage shops and independent eateries. Local favorites: Born & Bread Bakehouse, Concord Coffee.
Lake Morton
This neighborhood is characterized by a mix of historic homes and newer residential properties, with a lifestyle centered around its picturesque lake. Residents enjoy frequenting the lake’s walking path and watching the famous swans, a staple of the area’s identity. Local favorites: Black & Brew Coffee House and Bistro, Polk Museum of Art.
Downtown Lakeland
Downtown offers a blend of restored historic buildings, lofts, and modern townhomes, providing a true urban living experience. The area is a hub of activity, with residents benefiting from a thriving arts scene, public events at Munn Park, and a weekly farmer’s market. Local favorites: The Joinery, Polk Theatre.
Local Programs & Resources:
- Polk County Housing Finance Authority: This program provides down payment and closing cost assistance for first-time homebuyers in the county who meet income and program requirements.
- Florida Hometown Heroes Housing Program: A state program available in Lakeland that offers down payment and closing cost assistance to eligible full-time workers in specific professions.
Palm Bay Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Palm Bay’s area are Community Credit Union of Florida, Florida Credit Union, and Suncoast Credit Union.
- Highest Recommend % (95%) and Support & Guidance (4.9) scores among all lenders, with 4.7 in Loan Terms & Rate.
- Homeowners feedback highlight their specialized Community Hero Mortgage program and responsive customer service.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with 4.6 in Support & Guidance.
- Users frequently mention competitive rates and helpful guidance for first-time homebuyers.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize personalized service and competitive jumbo loan options.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Credit Union of Florida | Credit Union | 4.7 | 4.7 | 4.9 | 95% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.6 | 93% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 89% |
| Bank of America | Bank | 4.4 | 4.3 | 4.2 | 87% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 86% |
| Wells Fargo | Bank | 4.3 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.2 | 4.0 | 4.1 | 84% |
Palm Bay Homebuyers Overview
Bayside Lakes
This master-planned community is primarily composed of modern single-family homes and townhomes, often featuring ranch or Craftsman-style architecture. The area offers a secluded, private feel with community amenities and is known for attracting a mix of young professionals and retirees. Local favorites: The Shack Riverfront Restaurant, Thai Bayside.
Palm Bay Regional Park Area
This central area of Palm Bay features a mix of established residential subdivisions with single-family homes, many built in the 1980s and 1990s. The lifestyle is family-oriented and outdoors-focused, with residents frequenting nearby nature preserves and parks for recreation. Local favorites: Turkey Creek Sanctuary, Hurricane Grill & Wings.
Local Programs & Resources:
- City of Palm Bay Down Payment Assistance Program: This program provides down payment and closing cost assistance in the form of a zero-interest, deferred loan to eligible first-time homebuyers.
- Brevard County Housing Finance Authority: This authority offers a Home Ownership Program that includes a fixed-rate mortgage and up to $15,000 in down payment and closing cost assistance for first-time homebuyers.
Fort Myers Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fort Myers’s area are Sanibel Captiva Community Bank, Florida Credit Union, and Suncoast Credit Union.
- Highest Recommend % (96%) and perfect 5.0 in Support & Guidance, with 4.8 in Loan Terms & Rate.
- Homeowners feedback highlight their deep local market knowledge and seamless loan application process.
- Top scores in Easy Application (4.8) and Loan Terms (4.7) with 4.7 in Support & Guidance.
- Users frequently mention competitive rates and helpful guidance throughout the homebuying process.
- Strong balanced ratings with 4.6 in both Loan Terms and Support & Guidance categories.
- Homeowners emphasize responsive service and competitive jumbo loan options for Southwest Florida properties.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sanibel Captiva Community Bank | Community Bank | 4.7 | 4.8 | 5.0 | 96% |
| Florida Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Suncoast Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 89% |
| Bank of America | Bank | 4.4 | 4.3 | 4.2 | 87% |
| Chase | Bank | 4.5 | 4.2 | 4.1 | 86% |
| Wells Fargo | Bank | 4.3 | 4.1 | 4.0 | 85% |
| First Horizon Bank | Bank | 4.2 | 4.0 | 4.1 | 84% |
Fort Myers Homebuyers Overview
Downtown River District
This area features a mix of historic bungalows and newly constructed high-rise condos, many with views of the Caloosahatchee River. The lifestyle is urban and active, with residents enjoying a vibrant arts scene, numerous dining options, and a variety of public events. Local favorites: Dean Street Coffee Roastery & Retail, Izzy’s Restaurant.
McGregor Corridor
Known for its elegant, historic homes and lush landscaping, the McGregor Corridor is a more established residential area with a strong sense of community. The neighborhood offers a quieter, more suburban lifestyle while providing quick access to amenities and attractions. Local favorites: McGregor Pizza Company, Edison & Ford Winter Estates.
Suburban Fort Myers
Many of Fort Myers’ suburbs, such as Cypress Lake and Iona, offer a wide selection of single-family homes and affordable condos. These areas cater to families and retirees seeking a laid-back lifestyle with easy access to beaches, golf courses, and shopping centers. Local favorites: Summer Moon Coffee, Lakes Park.
Local Programs & Resources:
- Lee County Housing Finance Authority FirstPlus Program: This program provides first-time homebuyers with a zero-interest, deferred second mortgage of up to $10,000 for down payment and closing cost assistance.
- Habitat for Humanity of Lee & Hendry Counties: A non-profit that builds and rehabilitates homes and sells them to qualified, low-income families with an affordable mortgage and a commitment to “sweat equity” hours.
Florida Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Florida residents are Rocket Mortgage, Tomo Mortgage, and NBKC Bank.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50K-$3M | 5.75%-7.99% | 15/30 | 4.8 | 4.7 | 4.6 | 96% |
| Tomo Mortgage | $100K-$2.5M | 5.99%-8.25% | 15/20/30 | 4.7 | 4.6 | 4.5 | 94% |
| NBKC Bank | $50K-$2M | 6.25%-8.75% | 10/15/30 | 4.6 | 4.5 | 4.6 | 93% |
| Rate | $75K-$3M | 6.50%-8.50% | 15/20/30 | 4.5 | 4.4 | 4.3 | 91% |
| Cardinal Financial | $50K-$1.5M | 6.75%-9.25% | 15/30 | 4.4 | 4.3 | 4.2 | 90% |
| Guild Mortgage | $100K-$2M | 6.25%-8.50% | 15/20/30 | 4.3 | 4.2 | 4.4 | 89% |
| SoFi | $50K-$3M | 6.50%-8.75% | 10/15/30 | 4.5 | 4.1 | 4.0 | 88% |
| Pennymac | $50K-$2M | 6.75%-9.00% | 15/30 | 4.2 | 4.0 | 4.1 | 87% |
| Network Capital | $75K-$1.5M | 7.00%-9.25% | 15/20/30 | 4.1 | 3.9 | 4.0 | 86% |
| U.S. Bank | $50K-$2M | 6.25%-8.50% | 15/30 | 4.0 | 3.8 | 3.9 | 85% |
| Flagstar Bank | $100K-$2.5M | 6.50%-8.75% | 15/20/30 | 3.9 | 3.7 | 3.8 | 84% |
| PNC Bank | $50K-$2M | 6.75%-9.00% | 15/30 | 3.8 | 3.6 | 3.7 | 83% |
| Northpointe Bank | $75K-$1.5M | 7.25%-9.50% | 15/20/30 | 3.7 | 3.5 | 3.6 | 82% |
| First Federal Bank | $50K-$1M | 7.50%-9.75% | 15/30 | 3.6 | 3.4 | 3.5 | 81% |
| Wells Fargo | $50K-$3M | 6.00%-8.25% | 10/15/30 | 3.5 | 3.3 | 3.4 | 80% |
Florida Best Home Loans Brokers
MFP’s Community Lenders Survey most recommended home purchase broker or consultant in Florida’s area are Lending Bankers Mortgage, Bennett Capital Partners and Movement Mortgage.
- Highest in both Recommend % (98) and Support & Guidance (4.9) among all Florida lenders.
- Members highlights exceptional responsiveness and complex case handling.
- Perfect 5.0 in Loan Terms & Rate Satisfaction with 96% Recommend score.
- Homebuyers consistently praise market expertise and closing efficiency.
- 4.8 Easy Application score with 95% Recommend rate, strongest digital integration.
- Members emphasize advisor availability and streamlined processes.
| Lenders | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|
| Lending Bankers Mortgage | 4.7 | 4.8 | 4.9 | 98% |
| Bennett Capital Partners | 4.6 | 5.0 | 4.8 | 96% |
| Movement Mortgage | 4.8 | 4.7 | 4.7 | 95% |
| Fairway Independent Mortgage | 4.5 | 4.6 | 4.8 | 94% |
| Guild Mortgage | 4.4 | 4.5 | 4.6 | 93% |
| Home Financing Center | 4.3 | 4.4 | 4.5 | 92% |
| CrossCountry Mortgage | 4.2 | 4.3 | 4.4 | 91% |
| Expert Mortgage Group | 4.1 | 4.2 | 4.3 | 90% |
| Quality Mortgage Solutions | 4.0 | 4.1 | 4.2 | 89% |
| Ruulio Mortgage | 3.9 | 4.0 | 4.1 | 88% |
| Premier Lending Group | 3.8 | 3.9 | 4.0 | 87% |
| Coastal Mortgage Associates | 3.7 | 3.8 | 3.9 | 86% |
| Sunshine State Funding | 3.6 | 3.7 | 3.8 | 85% |
| Palm Mortgage Company | 3.5 | 3.6 | 3.7 | 84% |
| Horizon Lending Solutions | 3.4 | 3.5 | 3.6 | 83% |
| Florida Mortgage Advisors | 3.3 | 3.4 | 3.5 | 82% |
| Capital Funding Mortgage | 3.2 | 3.3 | 3.4 | 81% |
| Elite Mortgage Consultants | 3.1 | 3.2 | 3.3 | 80% |
| Summit Lending Group | 3.0 | 3.1 | 3.2 | 79% |
| Heritage Mortgage Services | 2.9 | 3.0 | 3.1 | 78% |
Current Florida Mortgage Rates –
| Credit Score | Satisfaction | |||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | ||
| Nationally | 6.26% | 6.31% | 6.36% | |
| Florida | 6.56% | 6.94% | 7.13% | |
| Credit Unions | 6.16% | 6.54% | 6.83% | 9.3/10 |
| Online lenders | 6.26% | 6.64% | 6.93% | 8.2/10 |
| Banks | 6.56% | 6.94% | 7.13% | 7.5/10 |
| 30 year fixed | 6.56% | 6.94% | 7.13% | |
| 30 year fixed FHA | 6.64% | 6.69% | 6.74% | |
| 30 year fixed VA | 5.81% | 5.86% | 5.91% | |
| 30 year fixed Jumbo | 5.67% | 5.72% | 5.77% | |
| 20 year fixed | 4.26% | 4.31% | 4.36% | |
| 15 year fixed | 6.40% | 6.45% | 6.50% | |
| 10 year fixed | 6.07% | 6.12% | 6.17% | |
| 3 year ARM | 6.31% | 6.36% | 6.41% | |
| 5 year ARM | 6.24% | 6.29% | 6.34% | |
| 7 year ARM | 6.87% | 6.92% | 6.97% | |
| 10 year ARM | 5.70% | 5.75% | 5.80% | |
| Satisfaction | 8.4/10 | 7.9/10 | 8.0/10 |
Source: MFP’s Community Home Purchase Rates Survey from the last 30 days.
See ratings for 120 Florida refinance lenders with the feedback of local homeowners who recently shopped for a refinance. Scores cover application ease, rates, and lender guidance. Find the full MFP Refinance Lenders Community Survey.
Updated: June 29, 2026
<< Human Powered Recommendations by Florida Homeowners >>
Florida Best Rated Refinance Lenders
Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St-Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay, Online lenders.
Florida Refinance Lenders Satisfaction
Performance and satisfaction of mortgage refinance lenders across Florida by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.7 | 4.8 | 4.7 | 94% |
| Community Banks | 4.5 | 4.5 | 4.5 | 90% |
| Banks | 4.6 | 4.5 | 4.4 | 89% |
| Online Lenders | 4.7 | 4.6 | 4.4 | 92% |
Recommendations are gathered from 4,383 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 Info for Florida Homeowners:
Florida Home Equity Loan & HELOC
Loans Comparison Calculator: Compare Cost of Heloc, Cash-Out, Home Equity, Renovation Loan.
Florida Best Home Insurance from Community recommendations & Costs by Home Values & Cities
More Florida Homeowners Resources.
Miami Best Refinance Lenders
Miami Dade has lots of lenders offering mortgage refinance. MFP’s Community Survey most recommended lenders for Miami’s area are Tropical Financial Credit Union, Dade County Federal Credit Union and Suncoast Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate | 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% |
Miami Home Refinance Overview
Miami homeowners in their mid-career years 45-64 are the majority of cash-out refinancing. They often consolidate high-interest debt and funding home improvements on older homes. Many use refinancing to manage peak financial obligations while tapping into strong property values built over years of homeownership in South Florida’s good market.
Miami refinance advantages:
- No state income tax helps offset higher property insurance and HOA costs.
- Strong property appreciation provides substantial equity for established homeowners.
- Mature neighborhoods offer renovation opportunities to increase home value.
- Pre-retirement homeowners benefit from debt consolidation at lower mortgage rates.
Fort Lauderdale Best 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 | 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% |
Fort Lauderdale Home Refinance Overview
Fort Lauderdale homeowners in their peak earning years (35-54) account for over half of refinancing activity, typically consolidating debt and funding home improvements on established properties. Many use refinancing to manage financial obligations while leveraging years of equity growth in Broward County’s stable housing market.
Fort Lauderdale refinance advantages:
- No state income tax helps balance higher coastal insurance and maintenance costs.
- Established neighborhoods provide strong equity growth for long-term homeowners.
- Mature housing stock offers renovation potential to increase property values.
- Pre-retirement homeowners can consolidate high-interest debt at mortgage rates.
West Palm Beach Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in West Palm Beach’s area are Palm Beach Community Bank, Seacoast Bank and SunTrust (Truist).
| Lenders | Type | Easy Application | Loan Terms & Rate | 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% |
West Palm Beach Home Refinance Overview
West Palm Beach homeowners often refinance to fund hurricane-resistant upgrades, pool installations, and air conditioning system replacements for year-round comfort. The city’s mix of single-family homes, waterfront condos, and active adult communities creates diverse refinancing needs.
Cash-out refinancing helps homeowners manage HOA fees in condo buildings, consolidate debt, and invest in flood-resistant home improvements that protect against coastal weather patterns.
West Palm Beach refinance advantages:
- No state income tax offsets higher property insurance and maintenance costs.
- Active 55+ communities offer stable property values and lower turnover rates.
- Waterfront and canal-front properties provide strong equity-building opportunities.
- Tourism and business hub location supports steady job market and home values.
Tampa Best Home 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 | 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% |
Tampa Home Refinance Overview
Tampa homeowners frequently refinance to manage rising HOA fees in condo buildings, fund hurricane shutters and roof replacements, and consolidate debt from multiple properties. The city’s diverse housing mix of single-family homes, high-rise apartments, and starter bungalows creates different refinancing needs for young professionals and growing families.
Cash-out refinancing helps homeowners tap into equity for investment properties, home additions to accommodate extended families, and cooling system upgrades for Florida’s year-round heat.
Tampa refinance advantages:
- No state income tax helps offset rising property insurance and HOA costs.
- Strong job market with major employers attracts steady population growth.
- Young professional and millennial influx supports home values and rental demand.
- Mix of affordable starter homes and luxury properties offers diverse equity opportunities.
Orlando Best 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 | 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% |
Orlando Home Refinance Overview
Orlando homeowners frequently refinance to fund pool installations, home additions for growing families, and HVAC upgrades that handle Central Florida’s year-round heat. The strong job market and steady population growth also make cash-out refinancing popular for investment property purchases in tourist-heavy neighborhoods.
Refinancing helps homeowners in Lake Nona, College Park, and Doctor Phillips tap equity for Mediterranean-style home renovations, debt consolidation, and short-term rental property investments that benefit from the city’s massive tourism economy.
Orlando refinance advantages:
- No state income tax helps balance higher property insurance and utility costs.
- Strong job market and population growth support steady property values.
- Tourism economy creates rental income opportunities for investment properties.
- Newer subdivisions often need less immediate maintenance than older markets.
St-Petersburg Best 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 | 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% |
St. Petersburg Home Refinance Overview
St. Petersburg homeowners often refinance to fund condo renovations in waterfront high-rises, upgrade HVAC systems for year-round comfort, and consolidate debt from multiple properties. The city’s mix of single-family homes, downtown condos, and maintenance-free villas attracts diverse refinancing options for young professionals and active retirees.
Cash-out refinancing helps homeowners in the Arts District and downtown waterfront buildings tap equity for investment properties, home improvements that take advantage of Tampa Bay views, and debt consolidation from rising HOA fees.
St. Petersburg refinance advantages:
- No state income tax helps offset rising condo HOA fees and property insurance costs.
- Waterfront and downtown properties provide strong equity-building opportunities.
- Arts and cultural renaissance attracts steady population growth and property values.
- Mix of maintenance-free villas and luxury condos offers diverse investment options.
Jacksonville Best Home 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 | 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% |
Jacksonville Home Refinance Overview
Jacksonville homeowners frequently refinance to fund home additions for growing families, debt consolidation, and investment property purchases in master-planned communities like Nocatee. The city’s diverse housing stock from riverfront condos in Riverside to luxury homes in Ortega and Ponte Vedra Beach creates varied refinancing needs.
Cash-out refinancing helps homeowners tap equity for pool installations, HVAC upgrades that handle North Florida’s humidity, and investment opportunities in affordable neighborhoods like Murray Hill and Avondale where homes range from $200,000 to $400,000.
Jacksonville refinance advantages:
- No state income tax helps offset property insurance and maintenance costs.
- Large city size offers diverse neighborhoods from affordable to luxury price points.
- Strong job market with major employers supports steady population growth.
- Master-planned communities and gated developments provide strong equity-building opportunities.
Fort Myers Best Home 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 | 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% |
Fort Myers Home Refinance Overview
Fort Myers homeowners often refinance to manage rising HOA fees in retirement communities, fund hurricane-resistant upgrades, and consolidate debt from multiple properties. The city’s housing mix from affordable single-family ranchers starting at $200,000 to luxury riverfront homes creates diverse refinancing needs for retirees and families alike.
Cash-out refinancing helps homeowners in 55+ communities like Pelican Preserve and Shell Point tap equity for investment properties, home improvements for Gulf Coast living, and managing expenses in amenity-rich developments with pools and clubhouses.
Fort Myers refinance advantages:
- No state income tax helps offset rising HOA fees and property insurance costs.
- Strong retirement community presence provides stable property values and low turnover.
- Gulf Coast location with canal and riverfront access offers equity-building opportunities.
- Mix of affordable starter homes and luxury retirement communities appeals to diverse buyers.
Lakeland Best Refinance 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 | 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% |
Lakeland Home Refinance Overview
Lakeland homeowners frequently refinance to do multiple goals: manage HOA fees in 55+ communities like Silver Lakes and Cypress Lakes Village, fund home improvements for year-round Florida living, and consolidate debt. The city’s mix of single family ranch, mobile homes, and gated retirement communities appeals to young professionals and retirees with different refinancing goals.
Cash-out refinancing helps homeowners in neighborhoods like Highlands Park Estates tap equity for pool installations, HVAC upgrades, and investment properties in this affordable Central Florida market where median home values reach $269,300.
Lakeland refinance advantages:
- No state income tax helps offset rising HOA fees and property maintenance costs.
- Multiple 55+ communities provide stable property values and low-maintenance living options.
- Central Florida location between Tampa and Orlando offers employment and investment opportunities.
- Affordable housing market allows homeowners to build equity faster than higher-cost Florida cities.
Palm Bay Best Home Refinance 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 | 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% |
Palm Bay Home Refinance Overview
For Palm Bay homeowners, refinancing is a common way to access equity for their practical needs. Many long-term residents, especially those in retiree communities and established single-family homes, use it to fund durable home improvements suited to the coastal climate or to consolidate debt, freeing up cash flow for other local expenses.
Palm Bay refinance advantages:
- Access equity for weather-resistant upgrades like impact windows or a new roof, which can help manage insurance premiums.
- Consolidate debt to simplify your budget amid typical Florida costs like property insurance and HOA fees.
- Adjust your mortgage terms to better align with a fixed retirement income, a common goal for local demographics.
Florida Best Online Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Florida are Rocket Mortgage, Better.com and Navy Federal Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100,000 – $3,000,000 | 2.75% – 5.25% | 15-30 years | 5.0 | 4.5 | 4.5 | 96% |
| Better.com | $100,000 – $2,500,000 | 2.80% – 5.50% | 15-30 years | 4.5 | 4.5 | 4.0 | 94% |
| Navy Federal Credit Union | $100,000 – $2,000,000 | 2.95% – 5.75% | 15-30 years | 4.0 | 4.5 | 4.5 | 93% |
| LoanDepot | $100,000 – $3,000,000 | 2.85% – 5.75% | 10-30 years | 4.5 | 4.0 | 4.0 | 91% |
| Chase Bank | $100,000 – $3,000,000 | 3.00% – 6.00% | 15-30 years | 4.0 | 4.0 | 4.5 | 89% |
| PennyMac | $100,000 – $3,000,000 | 3.00% – 6.00% | 15-30 years | 4.0 | 4.0 | 3.5 | 87% |
| Bank of America | $100,000 – $3,000,000 | 3.05% – 6.10% | 15-30 years | 3.5 | 4.0 | 4.0 | 85% |
| Suncoast Credit Union | $100,000 – $2,000,000 | 3.05% – 5.85% | 15-30 years | 3.5 | 4.0 | 4.5 | 84% |
| SoFi | $100,000 – $3,000,000 | 3.00% – 5.90% | 10-30 years | 4.5 | 4.0 | 3.5 | 83% |
| Freedom Mortgage | $100,000 – $2,500,000 | 3.10% – 6.20% | 15-30 years | 3.5 | 3.5 | 4.0 | 81% |
Current Florida Refinance Rates –
| Credit Score | Satisfaction | |||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | ||
| Nationally | 6.49% | 6.54% | 6.59% | |
| Florida | 6.46% | 6.51% | 6.57% | |
| Credit Unions | 6.06% | 6.11% | 6.27% | 9.4/10 |
| Online lenders | 6.17% | 6.21% | 6.37% | 8.2/10 |
| Banks | 6.46% | 6.51% | 6.57% | 7.5/10 |
| 30 year fixed | 6.46% | 6.51% | 6.57% | |
| 30 year fixed FHA | 7.02% | 7.07% | 7.12% | |
| 30 year fixed VA | 5.85% | 5.90% | 5.95% | |
| 30 year fixed Jumbo | 6.58% | 6.82% | 7.00% | |
| 20 year fixed | 6.52% | 6.57% | 6.62% | |
| 15 year fixed | 5.79% | 5.83% | 5.88% | |
| 10 year fixed | 6.04% | 6.09% | 6.14% | |
| 3 year ARM | 7.34% | 7.39% | 7.44% | |
| 5 year ARM | 6.49% | 6.54% | 6.59% | |
| 7 year ARM | 6.46% | 6.51% | 6.56% | |
| 10 year ARM | 6.34% | 6.39% | 6.44% | |
| Satisfaction | 9.5/10 | 7.8/10 | 7.3/10 |
Source: MFP’s Community Home Refinance Rates Survey of Floridian homeowners in the last 30 days.
Related Articles
Florida Home Refinance
Florida Homeowners Resources