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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Macomb County, Michigan

Fat Boy Data analyzed cash-out refinance activity in Macomb 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. 11,707 applications were decided by 261 lenders between 2023 and 2025.

Macomb County at a glance

261Active lenders61 with 20+ decisions
72.4%Market approval rate8,470 of 11,707 decided
$115KTypical loanmedian lender, $10K brackets
96%Borrower take-up8,104 loans funded

How Macomb County compares

Approval rate compared
Macomb County72.4%Michigan71.5%All 616 counties68.2%
Typical loan compared
Macomb County$115KMichigan$125KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Macomb County, MI, 2,590 of them.

That is 32% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Polish-American Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 36.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Hfg Holdings, LLC: 2% approved of 47Mortgage Research Center, LLC: 16% approved of 89Amerisave Mortgage Corporation: 24% approved of 458Lakeview Loan Servicing, LLC: 28% approved of 97American Financing Corporation: 29% approved of 49New Day Financial, LLC: 37% approved of 121Spring Eq, LLC: 37% approved of 51Kind Lending, LLC: 38% approved of 21Carrington Mortgage Services, LLC: 43% approved of 200New American Funding, LLC: 45% approved of 71Village Capital & Investment LLC: 45% approved of 53Mutual of Omaha Mortgage, Inc.: 47% approved of 62Newrez LLC: 55% approved of 385Diversified Members: 55% approved of 47Prosperity Home Mortgage, LLC: 57% approved of 23Michigan First Credit Union: 62% approved of 108Loandepot.Com, LLC: 62% approved of 220Wells Fargo Bank, National Association: 64% approved of 47Advantagefirst Lending Inc.: 65% approved of 26Navy Federal Credit Union: 66% approved of 61Fifth Third Bank, National Association: 67% approved of 45Change Lending, LLC: 67% approved of 21Plaza Home Mortgage, Inc.: 68% approved of 50Freedom Mortgage Corporation: 69% approved of 178Planet Home Lending, LLC: 69% approved of 26Pennymac Loan Services, LLC: 70% approved of 109Flagstar Bank, National Association: 71% approved of 320Lower, LLC: 71% approved of 24Credit Union One: 71% approved of 396Michigan Schools and Government: 72% approved of 527Extra: 73% approved of 103Christian Financial Credit Union: 75% approved of 55GoodLeap, LLC: 75% approved of 44Sun West Mortgage Company, Inc.: 75% approved of 24Comerica Bank: 76% approved of 76The Huntington National Bank: 76% approved of 697Guaranteed Rate, Inc.: 77% approved of 64Citizens Bank, National Association: 79% approved of 72Top Flite Financial, Inc.: 79% approved of 34The Federal Savings Bank: 80% approved of 25United Wholesale Mortgage, LLC: 80% approved of 1,242Nationstar Mortgage LLC: 81% approved of 207Equity Prime Mortgage LLC: 82% approved of 28Rocket Mortgage, LLC: 83% approved of 3,210Community Choice: 85% approved of 72Genisys Credit Union: 85% approved of 74Vibe Credit Union: 86% approved of 127JPMorgan Chase Bank, National Association: 87% approved of 160First State Bank: 88% approved of 60PNC Bank, National Association: 90% approved of 20Crosscountry Mortgage, LLC: 90% approved of 51Ross Mortgage Corporation: 90% approved of 21Michigan Mutual, Inc.: 94% approved of 51Mortgage 1 Incorporated: 94% approved of 122Mortgage Center L.C.: 94% approved of 107Towne Mortgage Company: 96% approved of 24Bank of America, National Association: 96% approved of 25Union Home Mortgage Corp.: 97% approved of 64Polish-American Federal Credit Union: 97% approved of 36Coastal Community Bank: 100% approved of 44

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

Cash-out refinance lenders in Macomb County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%2,661 / 3,21097%$115K2,590
2United Wholesale Mortgage, LLCBroker only80%999 / 1,24297%$165K971
3The Huntington National Bank76%533 / 69795%$125K507
4Michigan Schools and Government72%382 / 52798%$105K375
5Amerisave Mortgage Corporation24%111 / 45898%$75K109

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 256 more lenders.

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Other lending data for Macomb County

Mortgage lenders in Macomb CountyHome improvement loans in Macomb CountyRefinance in Macomb CountyInvestment property purchase in Macomb CountyInvestment cash-out refinance in Macomb CountyInvestment refinance in Macomb CountyInvestment home improvement in Macomb County

Nearby markets

All lending in Macomb CountyCounty overviewCash-out refinance across MichiganStatewideOakland CountyNearby countySt. Clair CountyNearby countyWayne CountyNearby county