Cash-out refinancing lenders in Oakland County
4,793 cash-out refinancing mortgages were made in Oakland County, Michigan, in 2025, by 284 lenders. The median rate their borrowers got was 7.185% on a median loan of $155,000. Of 6,626 decisions, 1,573 were denials — 23.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,568 | 8.300% | $105,000 | 15.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 655 | 6.999% | $195,000 | 21.9% |
| The Huntington National Bank | 202 | 7.490% | $205,000 | 24.5% |
| VIBE CREDIT UNION | 193 | 6.500% | $75,000 | 8.4% |
| CREDIT UNION ONE | 142 | 7.990% | $105,000 | 24.3% |
| NEWREZ LLC | 132 | 7.813% | $105,000 | 39.6% |
| JPMorgan Chase Bank, National Association | 92 | 6.875% | $185,000 | 22.4% |
| AmeriSave Mortgage Corporation | 89 | 8.750% | $75,000 | 65.1% |
| Flagstar Bank, N.A. | 80 | 6.833% | $105,000 | 29.4% |
| Genisys Credit Union | 77 | 6.625% | $195,000 | 18.8% |
| Loandepot.Com, LLC | 67 | 6.750% | $155,000 | 33.9% |
| NATIONSTAR MORTGAGE LLC | 62 | 6.813% | $175,000 | 16.0% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.250% | $245,000 | 29.2% |
| MICHIGAN FIRST CREDIT UNION | 46 | 8.250% | $155,000 | 37.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.990% | $275,000 | 0.0% |
| STAUNTON FINANCIAL, INC. | 37 | 6.750% | $275,000 | 5.0% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.125% | $255,000 | 26.0% |
| THE LOAN STORE, INC. | 35 | 6.990% | $245,000 | 10.6% |
| DFCU FINANCIAL | 35 | 6.000% | $275,000 | 10.0% |
| MORTGAGE CENTER L.C | 34 | 6.625% | $195,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 30 | 7.620% | $150,000 | 53.8% |
| COMMUNITY FINANCIAL CREDIT UNION | 29 | 7.750% | $135,000 | 28.9% |
| GUARANTEED RATE, INC. | 27 | 6.750% | $205,000 | 3.6% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 27 | 6.375% | $195,000 | 14.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 8.250% | $165,000 | 16.1% |
| PLAZA HOME MORTGAGE, INC. | 26 | 6.990% | $210,000 | 38.1% |
| MORTGAGE 1 INCORPORATED | 23 | 6.990% | $235,000 | 3.9% |
| ROSS MORTGAGE CORPORATION | 23 | 6.990% | $325,000 | 0.0% |
| GoodLeap, LLC | 21 | 7.100% | $65,000 | 27.3% |
| UNION HOME MORTGAGE CORP. | 21 | 7.125% | $225,000 | 12.5% |
| Broker Solutions, Inc. | 19 | 7.250% | $165,000 | 42.4% |
| Fifth Third Bank, National Association | 19 | 6.625% | $215,000 | 26.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 19 | 7.550% | $135,000 | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 18 | 7.250% | $205,000 | 29.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 18 | 7.188% | $205,000 | 5.0% |
| CMG MORTGAGE, INC. | 18 | 7.250% | $310,000 | 9.1% |
| BPL MORTGAGE TRUST, LLC | 18 | 7.313% | $95,000 | 10.0% |
| Equity Prime Mortgage LLC | 17 | 6.625% | $255,000 | 26.1% |
| Navy Federal Credit Union | 17 | 7.950% | $165,000 | 30.8% |
| Michigan United Credit Union | 17 | 5.375% | $95,000 | 18.2% |
| LAKE MICHIGAN CREDIT UNION | 17 | 6.115% | $455,000 | 15.0% |
| Coastal Community Bank | 15 | 8.990% | $105,000 | 2.1% |
| Loan Funder LLC | 15 | 10.690% | $355,000 | 11.8% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.250% | $205,000 | 55.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.875% | $325,000 | 59.5% |
| MEMBER FIRST MORTGAGE, LLC | 13 | 6.250% | $325,000 | 7.1% |
| CHAMPIONS FUNDING, LLC | 12 | 7.875% | $225,000 | 29.4% |
| PHH Mortgage Corporation | 11 | 6.990% | $205,000 | 8.3% |
| DIVERSIFIED MEMBERS | 11 | 7.200% | $55,000 | 52.2% |
| Comerica Bank | 11 | 6.250% | $195,000 | 33.3% |
| BETTER MORTGAGE CORPORATION | 11 | 7.000% | $165,000 | 42.1% |
| First Merchants Bank | 11 | 6.625% | $475,000 | 15.4% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.875% | $305,000 | 38.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 10.115% | $125,000 | 0.0% |
| MICHIGAN MUTUAL, INC. | 11 | 7.125% | $255,000 | 14.3% |
| 254900M2C4Q6DATP2889 | 10 | 6.058% | $215,000 | 33.3% |
| SPRING EQ, LLC | 10 | 9.425% | $95,000 | 58.6% |
| Citizens Bank, National Association | 10 | 6.375% | $185,000 | 33.3% |
| LOWER, LLC | 10 | 8.938% | $245,000 | 15.4% |
| OCMBC, INC. | 10 | 7.000% | $280,000 | 29.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 41.2% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Independent Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| THE MORTGAGE LINK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 81.1% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Lake Trust Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ALLIANCE CATHOLIC CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ChoiceOne Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Dort Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Zeal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Polish-American Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GreenStone Farm Credit Services, FLCA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ELGA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 36.4% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 76.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 16.7% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RUOFF MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 64.7% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Horizon Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Ann Arbor | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mercantile Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Frankenmuth Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Christian Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 81.3% |
| Extra | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOC Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Michigan Legacy Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dearborn Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Public Service Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 4Front Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900UYC52VIJUZ5X82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 84 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.