Cash-out refinancing lenders in Macomb County
3,403 cash-out refinancing mortgages were made in Macomb County, Michigan, in 2025, by 239 lenders. The median rate their borrowers got was 7.000% on a median loan of $135,000. Of 4,900 decisions, 1,333 were denials — 27.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,043 | 8.250% | $95,000 | 18.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 539 | 6.799% | $165,000 | 21.3% |
| The Huntington National Bank | 188 | 7.345% | $135,000 | 22.4% |
| CREDIT UNION ONE | 93 | 7.990% | $105,000 | 35.1% |
| NEWREZ LLC | 85 | 7.875% | $85,000 | 48.5% |
| Flagstar Bank, N.A. | 66 | 6.750% | $75,000 | 29.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 65 | 6.375% | $165,000 | 23.3% |
| FREEDOM MORTGAGE CORPORATION | 59 | 6.250% | $205,000 | 20.8% |
| AmeriSave Mortgage Corporation | 58 | 8.875% | $65,000 | 69.4% |
| Loandepot.Com, LLC | 58 | 6.500% | $145,000 | 35.5% |
| JPMorgan Chase Bank, National Association | 52 | 6.933% | $160,000 | 16.4% |
| MORTGAGE 1 INCORPORATED | 51 | 6.875% | $195,000 | 3.4% |
| MORTGAGE CENTER L.C | 48 | 7.000% | $120,000 | 4.0% |
| PENNYMAC LOAN SERVICES, LLC | 46 | 5.813% | $170,000 | 25.8% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.750% | $125,000 | 15.6% |
| UNION HOME MORTGAGE CORP. | 34 | 6.990% | $285,000 | 2.9% |
| VIBE CREDIT UNION | 34 | 6.500% | $70,000 | 5.6% |
| MICHIGAN FIRST CREDIT UNION | 32 | 8.000% | $90,000 | 38.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 30 | 8.183% | $115,000 | 53.4% |
| GUARANTEED RATE, INC. | 29 | 6.990% | $135,000 | 29.3% |
| Extra | 27 | 7.000% | $85,000 | 32.5% |
| Navy Federal Credit Union | 23 | 7.340% | $135,000 | 20.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 6.975% | $120,000 | 0.0% |
| Genisys Credit Union | 21 | 6.375% | $225,000 | 22.2% |
| GoodLeap, LLC | 19 | 6.875% | $115,000 | 20.0% |
| DIVERSIFIED MEMBERS | 18 | 7.200% | $70,000 | 10.0% |
| 254900M2C4Q6DATP2889 | 17 | 5.990% | $275,000 | 34.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | 6.875% | $225,000 | 15.0% |
| THE LOAN STORE, INC. | 16 | 7.188% | $155,000 | 15.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.500% | $255,000 | 66.7% |
| First State Bank | 15 | 6.875% | $235,000 | 11.1% |
| Comerica Bank | 14 | 6.558% | $120,000 | 30.0% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.250% | $205,000 | 36.4% |
| NEXERA HOLDING LLC | 14 | 7.625% | $150,000 | 0.0% |
| Christian Financial Credit Union | 14 | 6.000% | $55,000 | 26.3% |
| Coastal Community Bank | 13 | 8.740% | $65,000 | 0.0% |
| Equity Prime Mortgage LLC | 13 | 6.625% | $195,000 | 27.8% |
| SPRING EQ, LLC | 13 | 9.900% | $95,000 | 58.1% |
| ROSS MORTGAGE CORPORATION | 12 | 6.688% | $205,000 | 0.0% |
| Polish-American Federal Credit Union | 12 | 6.125% | $150,000 | 7.7% |
| LOWER, LLC | 11 | 6.250% | $285,000 | 31.3% |
| Fifth Third Bank, National Association | 11 | 6.625% | $115,000 | 45.0% |
| Citizens Bank, National Association | 10 | 6.500% | $140,000 | 23.1% |
| TOP FLITE FINANCIAL, INC. | 10 | 6.875% | $190,000 | 0.0% |
| Wells Fargo Bank, National Association | 10 | 6.688% | $175,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 11.8% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 73.5% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 38.9% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| STAUNTON FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 83.8% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan United Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DFCU FINANCIAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Superior National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LAKE MICHIGAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION 1 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Michigan Legacy Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 79.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 57.1% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ELGA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St James Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri-County Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ChoiceOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESITE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dort Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFCU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARSHALL COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zeal Credit Union | 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% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANTAGE ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 80.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| First Independence Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sunflower Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 39 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.