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refinance lenders · HMDA 2023–2025

Refinance lenders in Kent County, Michigan

Fat Boy Data analyzed mortgage refinance activity in Kent County, Michigan, home to Grand Rapids, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,328 applications were decided by 239 lenders between 2023 and 2025.

Kent County at a glance

239Active lenders44 with 20+ decisions
81.3%Market approval rate6,774 of 8,328 decided
$105KTypical loanmedian lender, $10K brackets
95%Borrower take-up6,437 loans funded

How Kent County compares

Approval rate compared
Kent County81.3%Michigan78.1%All 616 counties76.5%
Typical loan compared
Kent County$105KMichigan$145KAll 616 counties$295K

What the data shows

Lake Michigan Credit Union made the most mortgage refinances in Kent County, MI, 1,732 of them.

That is 27% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Churchill Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 98% of 56.

The typical mortgage refinance here is $105K, 28% smaller than the Michigan typical of $145K.

Approval rate of all 44 lenders with 20+ decisions here
0%25%50%75%100%One lender: 24% approved of 21One lender: 27% approved of 83One lender: 52% approved of 23One lender: 54% approved of 78One lender: 54% approved of 24One lender: 55% approved of 33One lender: 62% approved of 42One lender: 63% approved of 46The Huntington National Bank: 64% approved of 548One lender: 66% approved of 110One lender: 67% approved of 69One lender: 69% approved of 59One lender: 71% approved of 31One lender: 71% approved of 38One lender: 72% approved of 90Consumers Credit Union: 75% approved of 924One lender: 80% approved of 147Fifth Third Bank, National Association: 80% approved of 862One lender: 81% approved of 103One lender: 81% approved of 293One lender: 81% approved of 43One lender: 82% approved of 131One lender: 84% approved of 69One lender: 87% approved of 45One lender: 87% approved of 174One lender: 87% approved of 55United Wholesale Mortgage, LLC: 87% approved of 493One lender: 89% approved of 28One lender: 90% approved of 166Lake Michigan Credit Union: 91% approved of 2,013One lender: 91% approved of 22One lender: 92% approved of 51One lender: 92% approved of 26One lender: 93% approved of 107One lender: 94% approved of 36One lender: 95% approved of 40One lender: 95% approved of 83One lender: 95% approved of 22One lender: 96% approved of 46One lender: 96% approved of 24One lender: 96% approved of 27One lender: 97% approved of 70One lender: 97% approved of 37One lender: 98% approved of 56

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Kent County

LenderApprovalApprovedTaken upTypical loanLoans made
1Lake Michigan Credit Union91%1,827 / 2,01395%$105K1,732
2Consumers Credit Union75%692 / 924100%$75K692
3Fifth Third Bank, National Association80%691 / 86295%$105K659
4The Huntington National Bank64%350 / 54893%$145K326
5United Wholesale Mortgage, LLCBroker only87%431 / 49395%$285K410

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 234 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Kent County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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