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refinance lenders · HMDA 2023–2025

Refinance lenders in Michigan

Fat Boy Data analyzed mortgage refinance activity in 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. 77,015 applications were decided by 538 lenders between 2023 and 2025.

Michigan at a glance

538Active lenders199 with 20+ decisions
78.1%Market approval rate60,118 of 77,015 decided
$145KTypical loanmedian lender, $10K brackets
94%Borrower take-up56,584 loans funded

How Michigan compares

Approval rate compared
Michigan78.1%All 616 counties76.5%
Typical loan compared
Michigan$145KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Michigan, 4,953 of them.

Kellogg Community Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 374.

The typical mortgage refinance here is $145K, 51% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Hfg Holdings, LLC: 1% approved of 194Amerisave Mortgage Corporation: 18% approved of 203Discover Bank: 28% approved of 1,115Triad Financial Services, Inc.: 37% approved of 208Carrington Mortgage Services, LLC: 42% approved of 203Lakeview Loan Servicing, LLC: 46% approved of 975Mortgage Research Center, LLC: 58% approved of 572Newrez LLC: 61% approved of 668The Huntington National Bank: 62% approved of 4,585Bank of America, National Association: 62% approved of 1,252Third Federal Savings And Loan Association Of Cleveland: 63% approved of 219Comerica Bank: 63% approved of 2,595Credit Union One: 65% approved of 248Royal United Mortgage LLC: 66% approved of 652Horizon Bank: 69% approved of 195ChoiceOne Bank: 71% approved of 383Citizens Bank, National Association: 71% approved of 3,929Flagstar Bank, National Association: 73% approved of 783Loandepot.Com, LLC: 73% approved of 281PNC Bank, National Association: 77% approved of 2,564Community Choice: 77% approved of 298Mutual of Omaha Mortgage, Inc.: 77% approved of 233Independent Bank: 77% approved of 453Fifth Third Bank, National Association: 79% approved of 3,946Michigan First Credit Union: 79% approved of 320Consumers Credit Union: 79% approved of 3,942First Merchants Bank: 80% approved of 919United Federal Credit Union: 80% approved of 421Old National Bank: 81% approved of 520MICHIGAN STATE UNIVERSITY Federal Credit Union: 81% approved of 236Advia Credit Union: 81% approved of 1,329Genisys Credit Union: 82% approved of 1,298Rocket Mortgage, LLC: 82% approved of 6,440Elga Credit Union: 83% approved of 198Dfcu Financial: 84% approved of 1,230Amerihome Mortgage Company, LLC: 85% approved of 201ORSA credit union: 85% approved of 224Nationstar Mortgage LLC: 86% approved of 362Planet Home Lending, LLC: 86% approved of 238Macatawa Bank, National Association: 86% approved of 282Michigan Schools and Government: 86% approved of 1,732United Wholesale Mortgage, LLC: 86% approved of 8,140Mercantile Bank: 88% approved of 344The Dart Bank: 88% approved of 237Michigan Mutual, Inc.: 88% approved of 202Village Capital & Investment LLC: 89% approved of 575Pennymac Loan Services, LLC: 91% approved of 776Lake Michigan Credit Union: 91% approved of 4,200JPMorgan Chase Bank, National Association: 91% approved of 705Guaranteed Rate, Inc.: 92% approved of 262First State Bank: 92% approved of 239Freedom Mortgage Corporation: 94% approved of 1,254The Loan Store, Inc.: 94% approved of 236Mortgage Center L.C.: 94% approved of 263Staunton Financial, Inc.: 95% approved of 269Mortgage 1 Incorporated: 95% approved of 527Union Home Mortgage Corp.: 96% approved of 803Crosscountry Mortgage, LLC: 96% approved of 352Gold Star Mortgage Financial Group, Corporation: 98% approved of 202Kellogg Community Credit Union: 100% approved of 374

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

Refinance lenders in Michigan

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only86%7,036 / 8,14096%$255K6,775
2Rocket Mortgage, LLC82%5,295 / 6,44094%$245K4,953
3The Huntington National Bank62%2,828 / 4,58592%$145K2,613
4Lake Michigan Credit Union91%3,833 / 4,20096%$105K3,672
5Fifth Third Bank, National Association79%3,101 / 3,94696%$105K2,977

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 533 more lenders.

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Other lending data for Michigan

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Counties in Michigan

Wayne CountyCountyOakland CountyCountyMacomb CountyCountyKent CountyCountyGenesee CountyCountyWashtenaw CountyCountyOttawa CountyCountyIngham CountyCountyKalamazoo CountyCountyLivingston CountyCountySaginaw CountyCountyMuskegon CountyCounty