Refinancing lenders in Kent County
3,112 refinancing mortgages were made in Kent County, Michigan, in 2025, by 231 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 3,940 decisions, 676 were denials — 17.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 762 | 7.240% | $145,000 | 7.1% |
| Fifth Third Bank, National Association | 360 | 7.500% | $105,000 | 18.4% |
| CONSUMERS CREDIT UNION | 248 | 5.990% | $105,000 | 25.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 246 | 5.999% | $295,000 | 12.6% |
| Rocket Mortgage, LLC | 137 | 5.990% | $275,000 | 21.3% |
| The Huntington National Bank | 133 | 7.740% | $135,000 | 37.6% |
| Mercantile Bank | 85 | 6.500% | $275,000 | 13.3% |
| Old National Bank | 58 | 6.063% | $255,000 | 3.3% |
| FREEDOM MORTGAGE CORPORATION | 55 | 6.250% | $285,000 | 7.8% |
| Independent Bank | 49 | 7.500% | $135,000 | 15.5% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 5.990% | $285,000 | 6.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 40 | 5.990% | $300,000 | 0.0% |
| PNC Bank, National Association | 37 | 7.360% | $130,000 | 22.9% |
| ChoiceOne Bank | 34 | 6.320% | $140,000 | 17.1% |
| DFCU FINANCIAL | 29 | 7.000% | $95,000 | 15.4% |
| Northpointe Bank | 25 | 6.125% | $375,000 | 3.9% |
| GUILD MORTGAGE COMPANY | 25 | 6.500% | $355,000 | 7.4% |
| Comerica Bank | 25 | 5.990% | $115,000 | 32.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 25 | 6.125% | $275,000 | 0.0% |
| Kiavi Funding, Inc. | 24 | 7.563% | $195,000 | 25.0% |
| MORTGAGE 1 INCORPORATED | 21 | 6.125% | $285,000 | 0.0% |
| United Bank of Michigan | 21 | Not published | $195,000 | 4.6% |
| JPMorgan Chase Bank, National Association | 19 | 6.000% | $245,000 | 17.4% |
| NEWREZ LLC | 18 | 6.188% | $345,000 | 33.3% |
| Bank of America, National Association | 18 | 5.990% | $110,000 | 30.8% |
| UNION HOME MORTGAGE CORP. | 18 | 6.500% | $255,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.375% | $285,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 17 | 6.125% | $265,000 | 5.6% |
| CANOPY MORTGAGE, LLC | 16 | 5.990% | $290,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.125% | $325,000 | 51.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $255,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.750% | $305,000 | 12.5% |
| Citizens Bank, National Association | 13 | 7.650% | $215,000 | 22.2% |
| The Dart Bank | 12 | 6.433% | $265,000 | 27.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.282% | $300,000 | 7.1% |
| Loandepot.Com, LLC | 12 | 5.990% | $355,000 | 13.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.563% | $285,000 | 7.7% |
| GUARANTEED RATE, INC. | 11 | 6.250% | $475,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.995% | $335,000 | 8.3% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Adventure Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Macatawa Bank, N. A. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 35.7% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MICHIGAN FIRST CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| Horizon Bank | 7 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| First Merchants Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 45.5% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG COMMUNITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Highpoint Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| VAN DYK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT UNION ONE | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Grand River Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Isabella Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SERVIS ONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTANDEM CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MMS MORTGAGE SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Michigan United Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan Legacy Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| West Michigan Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN ONE COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CHOICE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Meijer Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 92.3% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 77.8% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PREFERRED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE FRIENDSHIP STATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frankenmuth Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community West Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493001I9VOT1BTB5V75 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homestead Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOVITA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOW CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAUNTON FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 87.5% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| West Michigan Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549002HZ6B3ZIAO3Q76 | 0 | Under 10 loans | Under 10 loans | Not published |
| COVANTAGE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 31 lenders each made 0 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.