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refinance lenders · HMDA 2023–2025

Refinance lenders in Oakland County, Michigan

Fat Boy Data analyzed mortgage 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. 14,740 applications were decided by 317 lenders between 2023 and 2025.

Oakland County at a glance

317Active lenders74 with 20+ decisions
78.8%Market approval rate11,608 of 14,740 decided
$285KTypical loanmedian lender, $10K brackets
94%Borrower take-up10,946 loans funded

How Oakland County compares

Approval rate compared
Oakland County78.8%Michigan78.1%All 616 counties76.5%
Typical loan compared
Oakland County$285KMichigan$145KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Oakland County, MI, 1,138 of them.

Resicentral, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 80.

The typical mortgage refinance here is $285K, 97% larger than the Michigan typical of $145K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Hfg Holdings, LLC: 3% approved of 33Discover Bank: 26% approved of 210Lakeview Loan Servicing, LLC: 38% approved of 205Spring Eq, LLC: 42% approved of 38Carrington Mortgage Services, LLC: 45% approved of 33The Huntington National Bank: 53% approved of 743Mortgage Research Center, LLC: 57% approved of 65Comerica Bank: 63% approved of 751Credit Union One: 63% approved of 68Bank of America, National Association: 63% approved of 402Third Federal Savings And Loan Association Of Cleveland: 65% approved of 69Independent Bank: 68% approved of 59Royal United Mortgage LLC: 70% approved of 43Citizens Bank, National Association: 71% approved of 1,221LOC Credit Union: 72% approved of 36Community Choice: 73% approved of 52Flagstar Bank, National Association: 74% approved of 177Mutual of Omaha Mortgage, Inc.: 76% approved of 45Newrez LLC: 76% approved of 108Fifth Third Bank, National Association: 76% approved of 327U.S. Bank National Association: 77% approved of 30PNC Bank, National Association: 77% approved of 564Loandepot.Com, LLC: 79% approved of 58Consumers Credit Union: 80% approved of 95Genisys Credit Union: 81% approved of 723Nationstar Mortgage LLC: 81% approved of 81Village Capital & Investment LLC: 82% approved of 88First Merchants Bank: 82% approved of 288Lendage, LLC: 83% approved of 35MICHIGAN STATE UNIVERSITY Federal Credit Union: 83% approved of 47Dfcu Financial: 84% approved of 243Longbridge Financial, LLC: 84% approved of 37Rocket Mortgage, LLC: 85% approved of 1,417Finance of America Reverse LLC: 85% approved of 41Planet Home Lending, LLC: 86% approved of 29BIRMINGHAM-BLOOMFIELD Credit Union: 87% approved of 108Michigan Schools and Government: 88% approved of 494First State Bank: 88% approved of 34Pennymac Loan Services, LLC: 88% approved of 86ORSA credit union: 88% approved of 52Michigan First Credit Union: 89% approved of 80Provident Funding Associates, L.P.: 90% approved of 49United Wholesale Mortgage, LLC: 90% approved of 2,345The Loan Store, Inc.: 92% approved of 84Cmg Mortgage, Inc.: 92% approved of 38Michigan Mutual, Inc.: 94% approved of 51Staunton Financial, Inc.: 94% approved of 105Superior National Bank: 95% approved of 56JPMorgan Chase Bank, National Association: 95% approved of 230Freedom Mortgage Corporation: 95% approved of 149Lake Michigan Credit Union: 95% approved of 309Mortgage Center L.C.: 96% approved of 54Ross Mortgage Corporation: 97% approved of 59Mortgage 1 Incorporated: 97% approved of 89Crosscountry Mortgage, LLC: 97% approved of 76Union Home Mortgage Corp.: 98% approved of 165Gold Star Mortgage Financial Group, Corporation: 98% approved of 52Resicentral, LLC: 100% approved of 80Guaranteed Rate, Inc.: 100% approved of 66The Mortgage Link, Inc.: 100% approved of 30

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

Refinance lenders in Oakland County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only90%2,122 / 2,34597%$345K2,060
2Rocket Mortgage, LLC85%1,204 / 1,41795%$305K1,138
3Citizens Bank, National Association71%867 / 1,22196%$205K836
4Comerica Bank63%470 / 75194%$185K440
5The Huntington National Bank53%395 / 74391%$175K358

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 312 more lenders.

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Other lending data for Oakland County

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Nearby markets

All lending in Oakland CountyCounty overviewRefinance across MichiganStatewideGenesee CountyNearby countyLivingston CountyNearby countyMacomb CountyNearby countyWashtenaw CountyNearby county