Cash-out refinancing lenders in Wayne County
5,941 cash-out refinancing mortgages were made in Wayne County, Michigan, in 2025, by 285 lenders. The median rate their borrowers got was 7.250% on a median loan of $125,000. Of 9,140 decisions, 2,853 were denials — 31.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,793 | 7.490% | $105,000 | 20.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,023 | 7.375% | $125,000 | 26.7% |
| BPL MORTGAGE TRUST, LLC | 154 | 7.695% | $95,000 | 12.8% |
| AmeriSave Mortgage Corporation | 126 | 6.875% | $65,000 | 78.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 124 | 10.365% | $105,000 | 0.8% |
| The Huntington National Bank | 119 | 7.350% | $155,000 | 29.1% |
| NEWREZ LLC | 113 | 7.375% | $95,000 | 55.1% |
| COMMUNITY FINANCIAL CREDIT UNION | 95 | 7.250% | $135,000 | 13.6% |
| MICHIGAN FIRST CREDIT UNION | 94 | 9.000% | $85,000 | 53.5% |
| Loandepot.Com, LLC | 89 | 6.625% | $135,000 | 38.1% |
| FREEDOM MORTGAGE CORPORATION | 84 | 6.250% | $175,000 | 35.7% |
| CREDIT UNION ONE | 78 | 7.990% | $75,000 | 40.4% |
| NATIONSTAR MORTGAGE LLC | 78 | 6.750% | $145,000 | 20.0% |
| JPMorgan Chase Bank, National Association | 76 | 6.875% | $140,000 | 24.5% |
| DFCU FINANCIAL | 76 | 6.000% | $155,000 | 9.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 75 | 7.200% | $215,000 | 1.3% |
| VIBE CREDIT UNION | 65 | 6.750% | $65,000 | 18.8% |
| Flagstar Bank, N.A. | 64 | 6.990% | $95,000 | 28.1% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 5.990% | $220,000 | 26.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 51 | 6.625% | $115,000 | 51.2% |
| Loan Funder LLC | 51 | 7.850% | $105,000 | 25.0% |
| MORTGAGE CENTER L.C | 46 | 6.625% | $125,000 | 9.8% |
| GoodLeap, LLC | 36 | 6.990% | $80,000 | 27.7% |
| THE LOAN STORE, INC. | 36 | 7.375% | $130,000 | 23.2% |
| THE MORTGAGE LINK, INC. | 35 | 6.875% | $175,000 | 2.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 34 | 7.058% | $170,000 | 2.6% |
| Equity Prime Mortgage LLC | 33 | 6.500% | $135,000 | 28.3% |
| CONSTRUCTIVE LOANS, LLC | 32 | 7.585% | $105,000 | 10.8% |
| AMERICAN HERITAGE LENDING, LLC | 31 | 7.500% | $115,000 | 9.3% |
| DIVERSIFIED MEMBERS | 30 | 7.250% | $55,000 | 53.8% |
| MORTGAGE 1 INCORPORATED | 29 | 6.990% | $125,000 | 5.4% |
| Broker Solutions, Inc. | 28 | 6.990% | $150,000 | 50.0% |
| LENDINGONE, LLC | 28 | 7.270% | $115,000 | 52.5% |
| NEW DAY FINANCIAL, LLC | 27 | 6.990% | $195,000 | 65.9% |
| STAUNTON FINANCIAL, INC. | 27 | 6.990% | $125,000 | 3.6% |
| AMWEST FUNDING CORP. | 25 | 7.375% | $115,000 | 3.9% |
| Citizens Bank, National Association | 23 | 6.750% | $145,000 | 25.8% |
| CHAMPIONS FUNDING, LLC | 23 | 7.750% | $245,000 | 36.1% |
| GUARANTEED RATE, INC. | 22 | 7.325% | $185,000 | 22.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.870% | $145,000 | 18.5% |
| UNION HOME MORTGAGE CORP. | 22 | 6.750% | $225,000 | 20.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 7.183% | $205,000 | 13.8% |
| OCMBC, INC. | 20 | 7.562% | $155,000 | 17.1% |
| Wells Fargo Bank, National Association | 19 | 6.500% | $135,000 | 24.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 19 | 6.250% | $175,000 | 5.0% |
| Navy Federal Credit Union | 18 | 9.000% | $110,000 | 55.8% |
| CMG MORTGAGE, INC. | 18 | 7.875% | $85,000 | 4.8% |
| HOMEXPRESS MORTGAGE CORP. | 18 | 7.750% | $130,000 | 43.8% |
| Genisys Credit Union | 17 | 6.875% | $195,000 | 15.0% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.740% | $145,000 | 40.0% |
| Comerica Bank | 16 | 6.375% | $95,000 | 39.3% |
| The Federal Savings Bank | 15 | 6.500% | $245,000 | 6.3% |
| KIND LENDING, LLC | 15 | 7.375% | $175,000 | 23.8% |
| DOMINION FINANCIAL SERVICES, LLC | 14 | 7.625% | $135,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 6.875% | $145,000 | 26.3% |
| PHH Mortgage Corporation | 13 | 6.875% | $155,000 | 13.3% |
| DEEPHAVEN MORTGAGE LLC | 13 | 7.990% | $125,000 | 18.8% |
| LOWER, LLC | 12 | 7.125% | $225,000 | 33.3% |
| 254900M2C4Q6DATP2889 | 12 | 5.990% | $230,000 | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.438% | $215,000 | 24.0% |
| Lake Trust Credit Union | 12 | 7.215% | $60,000 | 53.8% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 12 | 6.438% | $170,000 | 20.0% |
| First Merchants Bank | 12 | 6.653% | $185,000 | 13.3% |
| ROSS MORTGAGE CORPORATION | 12 | 6.813% | $170,000 | 0.0% |
| Dearborn Federal Savings Bank | 12 | 6.188% | $195,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.750% | $185,000 | 70.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.625% | $145,000 | 42.9% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.750% | $185,000 | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 11 | 6.615% | $205,000 | 7.7% |
| Northpointe Bank | 11 | 7.625% | $105,000 | 15.4% |
| SUCCESS MORTGAGE PARTNERS, INC. | 11 | 6.750% | $145,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 6.308% | $185,000 | 87.8% |
| Coastal Community Bank | 10 | 11.240% | $80,000 | 0.0% |
| Fifth Third Bank, National Association | 10 | 6.563% | $150,000 | 45.0% |
| TOP FLITE FINANCIAL, INC. | 10 | 6.875% | $110,000 | 37.5% |
| Commerce Home Mortgage, Inc. | 10 | 8.688% | $235,000 | 37.5% |
| TOWNE MORTGAGE COMPANY | 10 | 6.563% | $165,000 | 16.7% |
| LIMA ONE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 64.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 9 | Under 10 loans | Under 10 loans | 6.3% |
| Michigan Legacy Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Zeal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 73.7% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 65.5% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 61.1% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 68.2% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 44.4% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Independent Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 64.3% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Extra | 5 | Under 10 loans | Under 10 loans | 37.5% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Polish-American Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 72.7% |
| Public Service Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ALLIANCE CATHOLIC CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ADVANTAGE ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 25.0% |
| HOMESITE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Independence Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ChoiceOne Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 14.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Christian Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Neighborhood Mortgage Solutions | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St James Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 1 | 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 85 lenders each made 1 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.