Cash-out refinancing lenders in Osceola County
80 cash-out refinancing mortgages were made in Osceola County, Michigan, in 2025, by 55 lenders. The median rate their borrowers got was 6.990% on a median loan of $105,000. Of 138 decisions, 52 were denials — 37.7%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 22 | 8.500% | $65,000 | 26.7% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| MEMBERS FIRST Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| West Michigan Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION ONE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOW CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mercantile Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| UNION HOME MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Adventure Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GreenStone Farm Credit Services, FLCA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 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.
Get told when this changes
When the next year’s lending figures are out for Osceola 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.