The Lenders Community Survey gathers homeowners feedback and 92 lenders recommendations for Michigan home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 8, 2025
<< Human Powered Recommendations >>
Michigan Top Lenders for Home Refinance Loans
Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Dearborn, Livonia, Troy, Westland, Online lenders.
Recommendations are gathered from 1,194 Michigan local members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Michigan Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Michigan Homeowners.
Detroit – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Detroit’s area are Fifth Third Bank, Bank of America and Golden Valley Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Fifth Third Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Bank of America | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Golden Valley Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| UMCU (Michigan Credit Union) | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| Schwab Bank | Bank | 3.5 | 4.5 | 4.0 | 83% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 80% |
| Flagstar Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| PNC Bank | Bank | 3.0 | 4.0 | 3.5 | 75% |
| U.S. Bank | Bank | 3.0 | 3.5 | 3.5 | 72% |
| Wells Fargo | Bank | 3.0 | 3.5 | 3.0 | 70% |
Grand Rapids – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Grand Rapids’s area are Fifth Third Bank, Macatawa Bank and Lake Michigan Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Fifth Third Bank | Bank | 4.5 | 4.5 | 4.5 | 91% |
| Macatawa Bank | Community Bank | 4.5 | 4.0 | 4.5 | 89% |
| Lake Michigan Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 87% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Independent Bank | Bank | 4.0 | 4.0 | 3.5 | 83% |
| Chemical Bank | Bank | 3.5 | 4.0 | 3.5 | 80% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| TCF Bank | Bank | 3.5 | 3.5 | 3.0 | 75% |
| Bank of America | Bank | 3.0 | 4.0 | 3.0 | 73% |
| Wells Fargo | Bank | 3.0 | 3.5 | 3.0 | 70% |
Warren – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Warren’s area are Fifth Third Bank, Bank of America and Huntington Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Fifth Third Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Bank of America | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Flagstar Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| Comerica Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| Independent Bank | Bank | 3.5 | 3.5 | 3.0 | 78% |
| Chemical Bank | Bank | 3.0 | 4.0 | 3.0 | 75% |
| U.S. Bank | Bank | 3.0 | 3.5 | 3.0 | 72% |
| Wells Fargo | Bank | 3.0 | 3.5 | 3.0 | 70% |
Sterling Heights – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Sterling Heights’ area are Flagstar Bank, Fifth Third Bank and Huntington Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Flagstar Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Fifth Third Bank | Bank | 4.5 | 4.5 | 4.0 | 91% |
| Huntington Bank | Bank | 4.0 | 4.5 | 4.0 | 89% |
| Macomb Community Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 87% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 82% |
| Independent Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| Comerica Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Chemical Bank | Bank | 3.0 | 4.0 | 3.0 | 75% |
| TCF Bank | Bank | 3.0 | 3.5 | 3.0 | 72% |
Ann Arbor – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Ann Arbor’s area are University of Michigan Credit Union, Bank of Ann Arbor and Huntington Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| University of Michigan Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Bank of Ann Arbor | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Huntington Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| PNC Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Flagstar Bank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| Comerica Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Lansing – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lansing’s area are University of Michigan Credit Union (UMCU), Flagstar Bank and Comerica Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| University of Michigan Credit Union (UMCU) | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Flagstar Bank | Bank | 4.5 | 4.5 | 4.0 | 91% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Huntington Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Fifth Third Bank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| Independent Bank | Bank | 3.5 | 3.5 | 3.0 | 78% |
Dearborn – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Dearborn’s area are Dearborn Federal Credit Union, Comerica Bank and Huntington Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Dearborn Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Comerica Bank | Bank | 4.5 | 4.5 | 4.0 | 92% |
| Huntington Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Flagstar Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Chase Bank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Livonia – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Livonia’s area are Michigan Schools and Government Credit Union (MSGCU), Huntington Bank and Flagstar Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit Union (MSGCU) | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Huntington Bank | Bank | 4.5 | 4.5 | 4.0 | 92% |
| Flagstar Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 82% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 80% |
Troy – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Troy’s area are Flagstar Bank, Huntington Bank and Comerica Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Flagstar Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Huntington Bank | Bank | 4.5 | 4.5 | 4.0 | 91% |
| Comerica Bank | Bank | 4.0 | 4.5 | 4.0 | 89% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Bank of America | Bank | 4.0 | 4.0 | 3.5 | 85% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| Independent Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Westland – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Westland’s area are Bank of America, Chase Bank and Comerica Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Chase Bank | Bank | 4.5 | 4.5 | 4.0 | 91% |
| Comerica Bank | Bank | 4.0 | 4.5 | 4.0 | 89% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Flagstar Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 83% |
| TCF Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Michigan Best Online Lenders – Mortgage Refinance
MFP’s Community Lenders Survey most recommended online refinance lenders in Michigan are Rocket Mortgage, Better.com and SoFi.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100k-$3M | 5.5%-7.5% | 15-30 years | 5 | 4.5 | 4.5 | 95% |
| Better.com | $100k-$2M | 5.25%-7.25% | 15-30 years | 4.5 | 4.5 | 4 | 92% |
| SoFi | $100k-$3M | 5.75%-7.75% | 10-30 years | 4.5 | 4 | 4.5 | 90% |
| LoanDepot | $100k-$3M | 5.5%-7.5% | 15-30 years | 4 | 4 | 4 | 88% |
| Guaranteed Rate | $100k-$2M | 5.25%-7.25% | 15-30 years | 4 | 4.5 | 3.5 | 85% |
| New American Funding | $100k-$3M | 5.75%-7.75% | 15-30 years | 3.5 | 4 | 4 | 83% |
| PennyMac | $100k-$3M | 5.5%-7.5% | 15-30 years | 3.5 | 3.5 | 3.5 | 80% |
| Freedom Mortgage | $100k-$3M | 5.75%-7.75% | 15-30 years | 3 | 3.5 | 3.5 | 78% |
| Caliber Home Loans | $100k-$3M | 5.5%-7.5% | 15-30 years | 3 | 3.5 | 3 | 75% |
| Mr. Cooper | $100k-$3M | 5.75%-7.75% | 15-30 years | 3 | 3 | 3 | 72% |
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