Refinancing lenders in Monroe County
680 refinancing mortgages were made in Monroe County, Michigan, in 2025, by 126 lenders. The median rate their borrowers got was 6.500% on a median loan of $175,000. Of 853 decisions, 143 were denials — 16.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 76 | 5.990% | $215,000 | 19.0% |
| Fifth Third Bank, National Association | 71 | 7.750% | $105,000 | 19.1% |
| First Merchants Bank | 70 | 7.160% | $85,000 | 20.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 69 | 5.975% | $235,000 | 14.5% |
| The Huntington National Bank | 48 | 7.590% | $140,000 | 20.9% |
| MONROE COMMUNITY CREDIT UNION | 28 | 6.490% | $65,000 | 3.5% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $245,000 | 0.0% |
| Citizens Bank, National Association | 24 | 7.525% | $115,000 | 19.4% |
| PNC Bank, National Association | 22 | 7.590% | $105,000 | 18.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 6.375% | $225,000 | 4.6% |
| UNION HOME MORTGAGE CORP. | 16 | 6.250% | $195,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.075% | $205,000 | 0.0% |
| Directions Credit Union, Inc. | 10 | 7.000% | $85,000 | 23.1% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| DFCU FINANCIAL | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| EQUITY RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| THE MORTGAGE LINK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE CENTER L.C | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Dearborn Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan Legacy Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TLC COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Public Service Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PULTE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Genoa Banking Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAUNTON FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CHOICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| Lake Trust Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| GreenStone Farm Credit Services, FLCA | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCEANSIDE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION ONE | 0 | Under 10 loans | Under 10 loans | Not published |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMESTEAD FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.