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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Oakland County, Michigan

Fat Boy Data analyzed cash-out refinance activity in Oakland County, Michigan to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 15,746 applications were decided by 321 lenders between 2023 and 2025.

Oakland County at a glance

321Active lenders72 with 20+ decisions
74.5%Market approval rate11,732 of 15,746 decided
$125KTypical loanmedian lender, $10K brackets
95%Borrower take-up11,201 loans funded

How Oakland County compares

Approval rate compared
Oakland County74.5%Michigan71.5%All 616 counties68.2%
Typical loan compared
Oakland County$125KMichigan$125KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Oakland County, MI, 3,488 of them.

That is 31% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Staunton Financial, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 62.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Hfg Holdings, LLC: 0% approved of 53Mortgage Research Center, LLC: 18% approved of 88Amerisave Mortgage Corporation: 28% approved of 592Lakeview Loan Servicing, LLC: 31% approved of 105New Day Financial, LLC: 32% approved of 119Spring Eq, LLC: 38% approved of 61American Financing Corporation: 38% approved of 55Carrington Mortgage Services, LLC: 42% approved of 217Village Capital & Investment LLC: 43% approved of 42Wells Fargo Bank, National Association: 44% approved of 61New American Funding, LLC: 49% approved of 96Mutual of Omaha Mortgage, Inc.: 51% approved of 59Diversified Members: 52% approved of 71Newrez LLC: 54% approved of 468Comerica Bank: 56% approved of 48Sun West Mortgage Company, Inc.: 58% approved of 26Navy Federal Credit Union: 58% approved of 60Loandepot.Com, LLC: 62% approved of 292Michigan First Credit Union: 63% approved of 188Plaza Home Mortgage, Inc.: 63% approved of 60Freedom Mortgage Corporation: 66% approved of 186Citizens Bank, National Association: 66% approved of 67Pennymac Loan Services, LLC: 68% approved of 103Flagstar Bank, National Association: 72% approved of 454GoodLeap, LLC: 72% approved of 53Independent Bank: 72% approved of 32Onity Mortgage Corporation: 73% approved of 44MICHIGAN STATE UNIVERSITY Federal Credit Union: 74% approved of 86PNC Bank, National Association: 75% approved of 28Fifth Third Bank, National Association: 75% approved of 61Equity Prime Mortgage LLC: 76% approved of 33Credit Union One: 76% approved of 483The Huntington National Bank: 76% approved of 872Michigan Schools and Government: 77% approved of 179U.S. Bank National Association: 77% approved of 30ORSA credit union: 77% approved of 158Nationstar Mortgage LLC: 78% approved of 290Sofi Bank, N.A.tional Association: 79% approved of 39JPMorgan Chase Bank, National Association: 80% approved of 304United Wholesale Mortgage, LLC: 80% approved of 1,684Community Choice: 83% approved of 115Rocket Mortgage, LLC: 83% approved of 4,337Lake Michigan Credit Union: 83% approved of 66Guaranteed Rate, Inc.: 84% approved of 38Michigan Mutual, Inc.: 84% approved of 58Bank of America, National Association: 87% approved of 31Genisys Credit Union: 88% approved of 233First Merchants Bank: 88% approved of 41Union Home Mortgage Corp.: 91% approved of 43Vibe Credit Union: 92% approved of 915Ross Mortgage Corporation: 93% approved of 43Superior National Bank: 93% approved of 29Mortgage 1 Incorporated: 93% approved of 73Gold Star Mortgage Financial Group, Corporation: 93% approved of 45Dfcu Financial: 94% approved of 86Crosscountry Mortgage, LLC: 96% approved of 68Cmg Mortgage, Inc.: 96% approved of 27Coastal Community Bank: 96% approved of 55Mortgage Center L.C.: 97% approved of 68Staunton Financial, Inc.: 100% approved of 62

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Oakland County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%3,610 / 4,33797%$125K3,488
2United Wholesale Mortgage, LLCBroker only80%1,346 / 1,68497%$205K1,307
3Vibe Credit Union92%839 / 91599%$55K830
4The Huntington National Bank76%666 / 87297%$165K649
5Amerisave Mortgage Corporation28%164 / 592100%$85K164

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 316 more lenders.

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Other lending data for Oakland County

Mortgage lenders in Oakland CountyHome improvement loans in Oakland CountyRefinance in Oakland CountyInvestment property purchase in Oakland CountyInvestment cash-out refinance in Oakland CountyInvestment refinance in Oakland CountyInvestment home improvement in Oakland County

Nearby markets

All lending in Oakland CountyCounty overviewCash-out refinance across MichiganStatewideGenesee CountyNearby countyLivingston CountyNearby countyMacomb CountyNearby countyWashtenaw CountyNearby county