Refinancing lenders in Oakland County
5,946 refinancing mortgages were made in Oakland County, Michigan, in 2025, by 301 lenders. The median rate their borrowers got was 6.125% on a median loan of $285,000. Of 7,652 decisions, 1,359 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,304 | 5.999% | $345,000 | 10.3% |
| Rocket Mortgage, LLC | 736 | 5.990% | $305,000 | 12.7% |
| Citizens Bank, National Association | 409 | 7.400% | $205,000 | 25.2% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 239 | 7.240% | $155,000 | 11.1% |
| Genisys Credit Union | 234 | 7.250% | $95,000 | 19.7% |
| LAKE MICHIGAN CREDIT UNION | 179 | 6.250% | $285,000 | 4.3% |
| PNC Bank, National Association | 154 | 7.610% | $105,000 | 21.4% |
| The Huntington National Bank | 150 | 7.590% | $205,000 | 47.4% |
| Comerica Bank | 139 | 5.990% | $185,000 | 41.6% |
| Fifth Third Bank, National Association | 134 | 7.500% | $120,000 | 26.0% |
| JPMorgan Chase Bank, National Association | 126 | 6.125% | $315,000 | 1.5% |
| Bank of America, National Association | 108 | 5.990% | $155,000 | 28.7% |
| First Merchants Bank | 107 | 6.125% | $385,000 | 18.5% |
| UNION HOME MORTGAGE CORP. | 93 | 6.125% | $295,000 | 3.0% |
| DFCU FINANCIAL | 74 | 6.500% | $155,000 | 8.7% |
| FREEDOM MORTGAGE CORPORATION | 70 | 6.125% | $315,000 | 5.9% |
| STAUNTON FINANCIAL, INC. | 66 | 6.125% | $375,000 | 2.9% |
| MORTGAGE 1 INCORPORATED | 53 | 6.125% | $315,000 | 3.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 51 | 6.250% | $315,000 | 5.5% |
| THE LOAN STORE, INC. | 49 | 6.750% | $365,000 | 5.4% |
| Michigan United Credit Union | 48 | 4.740% | $55,000 | 13.8% |
| ROSS MORTGAGE CORPORATION | 47 | 6.125% | $365,000 | 2.0% |
| MORTGAGE CENTER L.C | 46 | 5.750% | $360,000 | 4.2% |
| GUARANTEED RATE, INC. | 45 | 6.125% | $375,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 45 | 6.125% | $285,000 | 17.9% |
| Flagstar Bank, N.A. | 44 | 6.500% | $345,000 | 15.3% |
| NEWREZ LLC | 42 | 6.500% | $305,000 | 25.4% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 5.990% | $325,000 | 9.8% |
| Superior National Bank | 31 | 6.125% | $315,000 | 6.1% |
| CONSUMERS CREDIT UNION | 26 | 5.990% | $155,000 | 7.1% |
| Loandepot.Com, LLC | 25 | 5.500% | $285,000 | 10.3% |
| Third Federal Savings and Loan Association of Cleveland | 24 | 6.990% | $140,000 | 29.7% |
| MICHIGAN FIRST CREDIT UNION | 24 | 6.375% | $375,000 | 7.7% |
| Mortgage Research Center, LLC | 23 | 5.750% | $395,000 | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 22 | 5.990% | $310,000 | 25.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.125% | $385,000 | 11.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 21 | 6.125% | $275,000 | 6.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 20 | 5.935% | $450,000 | 8.7% |
| THE MORTGAGE LINK, INC. | 20 | 6.750% | $350,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.125% | $325,000 | 68.8% |
| Kiavi Funding, Inc. | 19 | 7.125% | $175,000 | 25.9% |
| CMG MORTGAGE, INC. | 19 | 6.375% | $315,000 | 4.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 19 | 7.500% | $145,000 | 13.0% |
| Independent Bank | 18 | 7.125% | $385,000 | 21.7% |
| COMMUNITY CHOICE | 18 | 7.125% | $95,000 | 33.3% |
| Lendage, LLC | 18 | 11.438% | $85,000 | 8.7% |
| RESICENTRAL, LLC | 18 | 7.500% | $415,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 5.875% | $205,000 | 21.7% |
| MEMBER FIRST MORTGAGE, LLC | 15 | 5.625% | $385,000 | 5.9% |
| EVERETT FINANCIAL, INC. | 15 | 6.500% | $325,000 | 0.0% |
| The Dart Bank | 15 | 6.625% | $355,000 | 6.3% |
| PLANET HOME LENDING, LLC | 14 | 5.750% | $360,000 | 17.7% |
| PRESTON HOME LOANS INC | 13 | 6.250% | $285,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 6.375% | $255,000 | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 6.250% | $145,000 | 13.3% |
| PHH Mortgage Corporation | 12 | 5.933% | $275,000 | 13.3% |
| LOC Credit Union | 12 | 5.995% | $85,000 | 25.0% |
| A&D Mortgage LLC | 12 | 6.125% | $350,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.563% | $305,000 | 13.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.625% | $265,000 | 8.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 11 | 6.125% | $345,000 | 20.0% |
| Old National Bank | 11 | 6.350% | $685,000 | 0.0% |
| ChoiceOne Bank | 10 | 6.250% | $255,000 | 23.1% |
| COMMUNITY FINANCIAL CREDIT UNION | 10 | 6.750% | $180,000 | 5.0% |
| First State Bank | 10 | 6.600% | $185,000 | 9.1% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 67.9% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 9.1% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Michigan Legacy Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| STOCKTON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| St James Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 61.1% |
| CREDIT UNION ONE | 7 | Under 10 loans | Under 10 loans | 36.4% |
| First Independence Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 57.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 44.4% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Dort Financial Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 72.7% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mercantile Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Polish-American Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dearborn Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wintrust Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 77.8% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Ann Arbor | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frankenmuth Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL 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 101 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.