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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 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%Triad Financial Services, Inc.: 24% approved of 21Discover Bank: 27% approved of 83Royal United Mortgage LLC: 52% approved of 23Lakeview Loan Servicing, LLC: 54% approved of 78Third Federal Savings And Loan Association Of Cleveland: 54% approved of 24Mortgage Research Center, LLC: 55% approved of 33Neighborhood Loans, Inc.: 62% approved of 42Newrez LLC: 63% approved of 46The Huntington National Bank: 64% approved of 548Comerica Bank: 66% approved of 110Bank of America, National Association: 67% approved of 69Flagstar Bank, National Association: 69% approved of 59Loandepot.Com, LLC: 71% approved of 31Michigan First Credit Union: 71% approved of 38Dfcu Financial: 72% approved of 90Consumers Credit Union: 75% approved of 924PNC Bank, National Association: 80% approved of 147Fifth Third Bank, National Association: 80% approved of 862ChoiceOne Bank: 81% approved of 103Rocket Mortgage, LLC: 81% approved of 293Citizens Bank, National Association: 81% approved of 43Independent Bank: 82% approved of 131Macatawa Bank, National Association: 84% approved of 69JPMorgan Chase Bank, National Association: 87% approved of 45Mercantile Bank: 87% approved of 174Village Capital & Investment LLC: 87% approved of 55United Wholesale Mortgage, LLC: 87% approved of 493Adventure Credit Union: 89% approved of 28Old National Bank: 90% approved of 166Lake Michigan Credit Union: 91% approved of 2,013Guaranteed Rate, Inc.: 91% approved of 22Northpointe Bank: 92% approved of 51The Dart Bank: 92% approved of 26Freedom Mortgage Corporation: 93% approved of 107Ark-La-Tex Financial Services, LLC.: 94% approved of 36Mortgage 1 Incorporated: 95% approved of 40Pennymac Loan Services, LLC: 95% approved of 83Nationstar Mortgage LLC: 95% approved of 22Guild Mortgage Company LLC: 96% approved of 46United Bank of Michigan: 96% approved of 24Amerihome Mortgage Company, LLC: 96% approved of 27Northern Mortgage Services, LLC: 97% approved of 70Union Home Mortgage Corp.: 97% approved of 37Churchill Mortgage Corporation: 98% approved of 56

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

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 the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 234 more lenders.

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