Michigan · HMDA 2025
Mortgage lenders in Sanilac County, MI
161 lenders reported 1,387 home-loan applications in Sanilac County in 2025. 780 closed as loans ($137.7M), 243 were denied — a 22.5% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 22% of applications, led by Rocket Mortgage, LLC. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,387
- Loans originated
- 780
- Purchase / refinance
- 378 / 254
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Sanilac County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 133 | 9.6% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 98 | 7.1% | — |
| 3 | Thumb Bank and Trust 77 out of 100, Strong | 68 | 4.9% | 18.3% |
| 4 | The Huntington National Bank 59 out of 100, Moderate | 59 | 4.3% | 31.6% |
| 5 | ADVIA Federal Credit Union | 59 | 4.3% | — |
| 6 | UNION HOME MORTGAGE CORP. | 57 | 4.1% | — |
| 7 | NEWREZ LLC | 34 | 2.5% | — |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 32 | 2.3% | 14.1% |
| 9 | Mortgage Research Center, LLC | 29 | 2.1% | — |
| 10 | EVERETT FINANCIAL, INC. | 29 | 2.1% | — |
| 11 | 21st Mortgage Corporation | 24 | 1.7% | — |
| 12 | Tri-County Bank 78 out of 100, Strong | 23 | 1.7% | 17.9% |
| 13 | FIGURE LENDING LLC | 23 | 1.7% | — |
| 14 | Genisys Credit Union 81 out of 100, Strong | 23 | 1.7% | 18.7% |
| 15 | Eastern Michigan Bank 79 out of 100, Strong | 23 | 1.7% | 14.0% |
| 16 | TRIAD FINANCIAL SERVICES, INC. | 22 | 1.6% | — |
| 17 | PENNYMAC LOAN SERVICES, LLC | 19 | 1.4% | — |
| 18 | Frankenmuth Credit Union 64 out of 100, Moderate | 19 | 1.4% | 2.8% |
| 19 | TEAM ONE CREDIT UNION 66 out of 100, Moderate | 19 | 1.4% | 9.9% |
| 20 | MORTGAGE CENTER L.C | 18 | 1.3% | — |
| 21 | Citizens Bank, National Association 54 out of 100, Below average | 17 | 1.2% | 32.5% |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 17 | 1.2% | — |
| 23 | Independent Bank 63 out of 100, Moderate | 17 | 1.2% | 17.6% |
| 24 | ChoiceOne Bank 61 out of 100, Moderate | 17 | 1.2% | 22.0% |
| 25 | MICHIGAN SCHOOLS AND GOVERNMENT | 17 | 1.2% | — |
| 26 | AmeriSave Mortgage Corporation | 16 | 1.2% | — |
| 27 | VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 1.1% | — |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 15 | 1.1% | — |
| 29 | MICHIGAN MUTUAL, INC. | 15 | 1.1% | — |
| 30 | GreenStone Farm Credit Services, FLCA | 15 | 1.1% | — |
| 31 | Broker Solutions, Inc. | 13 | 0.9% | — |
| 32 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 13 | 0.9% | 7.3% |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 13 | 0.9% | 34.0% |
| 34 | Loandepot.Com, LLC | 11 | 0.8% | — |
| 35 | GUARANTEED RATE, INC. | 11 | 0.8% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 11 | 0.8% | 3.0% |
| 37 | SECURITY CREDIT UNION 58 out of 100, Moderate | 10 | 0.7% | 26.0% |
| 38 | MORTGAGE 1 INCORPORATED | 10 | 0.7% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 9 | 0.6% | 33.8% |
| 40 | CREDIT UNION ONE 76 out of 100, Strong | 9 | 0.6% | 29.5% |
Top 40 of 161 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Michigan
- Wayne County 66,469 apps
- Oakland County 55,675 apps
- Macomb County 38,549 apps
- Kent County 28,383 apps
- Genesee County 16,559 apps
- Ottawa County 12,741 apps
- Washtenaw County 12,725 apps
- Kalamazoo County 10,359 apps
- Ingham County 9,948 apps
- Livingston County 9,373 apps
- Muskegon County 8,415 apps
- St. Clair County 7,949 apps