Refinancing lenders in Macomb County
3,691 refinancing mortgages were made in Macomb County, Michigan, in 2025, by 242 lenders. The median rate their borrowers got was 6.375% on a median loan of $205,000. Of 4,941 decisions, 1,017 were denials — 20.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 652 | 5.999% | $255,000 | 16.5% |
| Rocket Mortgage, LLC | 449 | 5.990% | $255,000 | 15.3% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 379 | 7.500% | $95,000 | 13.1% |
| Citizens Bank, National Association | 318 | 7.650% | $135,000 | 26.2% |
| The Huntington National Bank | 145 | 7.690% | $125,000 | 37.5% |
| PNC Bank, National Association | 131 | 0.250% | $105,000 | 21.5% |
| Comerica Bank | 110 | 5.990% | $105,000 | 35.8% |
| Fifth Third Bank, National Association | 107 | 7.990% | $95,000 | 18.3% |
| Genisys Credit Union | 88 | 7.740% | $95,000 | 18.4% |
| UNION HOME MORTGAGE CORP. | 81 | 6.375% | $255,000 | 8.0% |
| FREEDOM MORTGAGE CORPORATION | 72 | 6.250% | $235,000 | 8.5% |
| Bank of America, National Association | 59 | 5.990% | $105,000 | 24.1% |
| MORTGAGE 1 INCORPORATED | 55 | 6.125% | $285,000 | 3.1% |
| JPMorgan Chase Bank, National Association | 51 | 6.125% | $255,000 | 11.9% |
| First State Bank | 40 | 6.490% | $140,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 36 | 6.188% | $255,000 | 52.9% |
| LAKE MICHIGAN CREDIT UNION | 31 | 6.500% | $205,000 | 6.1% |
| GUARANTEED RATE, INC. | 29 | 6.375% | $305,000 | 3.3% |
| Flagstar Bank, N.A. | 29 | 6.500% | $265,000 | 8.8% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 5.999% | $260,000 | 18.4% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.188% | $260,000 | 19.4% |
| NEWREZ LLC | 26 | 6.250% | $245,000 | 40.4% |
| MORTGAGE CENTER L.C | 25 | 6.000% | $295,000 | 3.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 24 | 6.250% | $250,000 | 10.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.157% | $265,000 | 4.4% |
| DFCU FINANCIAL | 20 | 7.000% | $130,000 | 11.5% |
| Mortgage Research Center, LLC | 19 | 5.750% | $285,000 | 46.0% |
| COMMUNITY CHOICE | 18 | 7.990% | $55,000 | 21.7% |
| Michigan United Credit Union | 17 | 1.990% | $65,000 | 25.0% |
| Loandepot.Com, LLC | 16 | 5.990% | $295,000 | 15.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $285,000 | 21.1% |
| PLANET HOME LENDING, LLC | 15 | 5.990% | $215,000 | 11.8% |
| Kiavi Funding, Inc. | 14 | 7.313% | $125,000 | 6.7% |
| Lendage, LLC | 14 | 10.875% | $85,000 | 12.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 13 | 6.500% | $215,000 | 6.3% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $115,000 | 31.6% |
| THE LOAN STORE, INC. | 12 | 6.125% | $280,000 | 11.8% |
| STAUNTON FINANCIAL, INC. | 12 | 6.058% | $275,000 | 0.0% |
| First Merchants Bank | 11 | 5.875% | $295,000 | 21.4% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 11 | 6.875% | $85,000 | 20.0% |
| CONSUMERS CREDIT UNION | 11 | 5.990% | $75,000 | 15.4% |
| ADVIA Federal Credit Union | 11 | 7.500% | $105,000 | 8.3% |
| Superior National Bank | 11 | 6.250% | $225,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 10 | 6.500% | $305,000 | 8.3% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.125% | $235,000 | 44.4% |
| THE MORTGAGE LINK, INC. | 10 | 6.558% | $300,000 | 0.0% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 66.7% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| University Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MICHIGAN MUTUAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 53.3% |
| CREDIT UNION ONE | 5 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| ROSS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ChoiceOne Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St James Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Christian Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Polish-American Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 84.6% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan Legacy Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LOC Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Extra | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMESITE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 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% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIWELL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterford Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Dort Financial Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 42 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Macomb County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.