Refinancing lenders in Wayne County
4,834 refinancing mortgages were made in Wayne County, Michigan, in 2025, by 298 lenders. The median rate their borrowers got was 6.375% on a median loan of $185,000. Of 6,988 decisions, 1,717 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 923 | 5.999% | $245,000 | 18.6% |
| Rocket Mortgage, LLC | 757 | 5.990% | $215,000 | 19.2% |
| Citizens Bank, National Association | 369 | 7.650% | $115,000 | 32.2% |
| Kiavi Funding, Inc. | 293 | 7.375% | $115,000 | 13.9% |
| DFCU FINANCIAL | 164 | 6.750% | $105,000 | 15.5% |
| Comerica Bank | 107 | 5.990% | $105,000 | 49.8% |
| Fifth Third Bank, National Association | 103 | 8.000% | $105,000 | 36.1% |
| FREEDOM MORTGAGE CORPORATION | 101 | 6.250% | $205,000 | 7.3% |
| PNC Bank, National Association | 99 | 7.500% | $105,000 | 27.6% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 85 | 6.990% | $145,000 | 16.8% |
| The Huntington National Bank | 79 | 7.250% | $145,000 | 46.3% |
| Bank of America, National Association | 61 | 5.875% | $125,000 | 44.1% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 5.990% | $235,000 | 11.5% |
| UNION HOME MORTGAGE CORP. | 61 | 6.375% | $255,000 | 1.6% |
| JPMorgan Chase Bank, National Association | 57 | 6.125% | $215,000 | 11.9% |
| First Merchants Bank | 54 | 6.500% | $125,000 | 22.2% |
| LAKE MICHIGAN CREDIT UNION | 48 | 6.370% | $225,000 | 7.6% |
| THE MORTGAGE LINK, INC. | 47 | 6.490% | $225,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 44 | 6.125% | $210,000 | 6.4% |
| THE LOAN STORE, INC. | 42 | 6.875% | $245,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 40 | 6.938% | $65,000 | 36.4% |
| NATIONSTAR MORTGAGE LLC | 39 | 5.990% | $245,000 | 14.9% |
| COMMUNITY CHOICE | 38 | 7.990% | $75,000 | 34.5% |
| ADVIA Federal Credit Union | 38 | 7.000% | $105,000 | 8.9% |
| NEWREZ LLC | 37 | 5.990% | $265,000 | 48.8% |
| MORTGAGE 1 INCORPORATED | 35 | 6.125% | $225,000 | 0.0% |
| GUARANTEED RATE, INC. | 31 | 6.125% | $405,000 | 13.9% |
| BPL MORTGAGE TRUST, LLC | 31 | 7.596% | $85,000 | 10.3% |
| Flagstar Bank, N.A. | 29 | 6.250% | $245,000 | 28.6% |
| COMMUNITY FINANCIAL CREDIT UNION | 29 | 7.000% | $95,000 | 19.3% |
| STAUNTON FINANCIAL, INC. | 28 | 6.375% | $230,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 27 | 6.250% | $275,000 | 59.7% |
| MORTGAGE CENTER L.C | 27 | 6.000% | $195,000 | 9.7% |
| Mortgage Research Center, LLC | 24 | 5.750% | $270,000 | 36.8% |
| Old National Bank | 23 | 6.100% | $745,000 | 4.2% |
| 254900CTT87ZKAUTIJ37 | 22 | 7.688% | $105,000 | 21.4% |
| Genisys Credit Union | 22 | 7.370% | $75,000 | 18.5% |
| PLANET HOME LENDING, LLC | 21 | 5.990% | $205,000 | 19.2% |
| Loandepot.Com, LLC | 18 | 5.990% | $230,000 | 27.6% |
| LONGBRIDGE FINANCIAL, LLC | 18 | 6.125% | $115,000 | 8.7% |
| ROSS MORTGAGE CORPORATION | 18 | 6.125% | $255,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $285,000 | 5.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 5.750% | $290,000 | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 15 | 6.625% | $215,000 | 3.6% |
| MICHIGAN FIRST CREDIT UNION | 15 | 6.500% | $295,000 | 21.1% |
| CMG MORTGAGE, INC. | 15 | 6.125% | $225,000 | 5.6% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.438% | $125,000 | 17.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.125% | $165,000 | 20.0% |
| Lendage, LLC | 14 | 10.500% | $85,000 | 5.9% |
| Broker Solutions, Inc. | 13 | 6.625% | $215,000 | 48.0% |
| Independent Bank | 13 | 6.125% | $205,000 | 22.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 6.550% | $115,000 | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 11 | 6.999% | $1,005,000 | 7.1% |
| CONSUMERS CREDIT UNION | 11 | 5.990% | $85,000 | 31.3% |
| Cornerstone First Mortgage, Inc | 11 | 8.500% | $145,000 | 0.0% |
| ADVANTAGE ONE Credit Union | 11 | 7.490% | $65,000 | 13.3% |
| NEW DAY FINANCIAL, LLC | 10 | 6.240% | $175,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.118% | $365,000 | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 44.4% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| MICHIGAN MUTUAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 23.1% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 8 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan United Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 85.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 58.8% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Dearborn Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| University Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEMBER FIRST MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 53.8% |
| CREDIT UNION ONE | 5 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Superior National Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Michigan Legacy Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 20.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Horizon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Polish-American Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Public Service Credit Union | 2 | Under 10 loans | Under 10 loans | 78.6% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 28.6% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VIBE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIANCE CATHOLIC CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN COLUMBUS Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 90.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 94.1% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 60.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Lake Trust Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMESITE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Christian Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St James Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 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 98 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.