Cash-out refinancing lenders in St. Clair County
698 cash-out refinancing mortgages were made in St. Clair County, Michigan, in 2025, by 131 lenders. The median rate their borrowers got was 6.875% on a median loan of $145,000. Of 1,008 decisions, 266 were denials — 26.4%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 222 | 7.563% | $110,000 | 15.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 58 | 6.662% | $185,000 | 27.9% |
| MORTGAGE CENTER L.C | 34 | 6.750% | $115,000 | 2.9% |
| The Huntington National Bank | 33 | 7.590% | $125,000 | 20.9% |
| UNION HOME MORTGAGE CORP. | 25 | 6.875% | $155,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.625% | $115,000 | 44.4% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.313% | $175,000 | 22.2% |
| JPMorgan Chase Bank, National Association | 18 | 6.375% | $170,000 | 20.8% |
| AmeriSave Mortgage Corporation | 16 | 8.563% | $80,000 | 70.9% |
| Loandepot.Com, LLC | 14 | 6.438% | $175,000 | 30.0% |
| Genisys Credit Union | 12 | 6.563% | $100,000 | 13.3% |
| NEWREZ LLC | 11 | 6.875% | $205,000 | 52.2% |
| MICHIGAN MUTUAL, INC. | 10 | 6.990% | $170,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ChoiceOne Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION ONE | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 46.2% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MICHIGAN FIRST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Eastern Michigan Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tri-County Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Christian Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FreeStar Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, FLCA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAUNTON FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan United Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEAM ONE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 83.3% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Merchants Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mercantile Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Extra | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| RBC Bank, (Georgia) National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SECURITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| University Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FLYHOMES MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DIVERSIFIED MEMBERS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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 St. Clair 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.