Cash-out refinance lenders in Bay County, Michigan
Fat Boy Data analyzed cash-out refinance activity in Bay 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. 1,280 applications were decided by 104 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Bay County, MI, 203 of them.
Great Lakes Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 38.
The typical cash-out refinance here is $105K, 16% smaller than the Michigan typical of $125K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 78% | 209 / 267 | 97% | $125K | 203 |
| 2 | The Huntington National Bank | 78% | 72 / 92 | 93% | $75K | 67 |
| 3 | Wildfire Credit Union | 77% | 61 / 79 | 97% | $85K | 59 |
| 4 | United Bay Community | 94% | 58 / 62 | 98% | $65K | 57 |
| 5 | Amerisave Mortgage Corporation | 24% | 15 / 62 | 87% | $65K | 13 |
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 99 more lenders.
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You are seeing the 5 largest cash-out refinance lenders in Bay County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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