Michigan · HMDA 2025
Mortgage lenders in St. Clair County, MI
269 lenders reported 7,949 home-loan applications in St. Clair County in 2025. 4,320 closed as loans ($811.5M), 1,465 were denied — a 24.1% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 22% of applications, led by ADVIA Federal Credit Union. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,949
- Loans originated
- 4,320
- Purchase / refinance
- 1,943 / 1,371
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Clair County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ADVIA Federal Credit Union | 685 | 8.6% | — |
| 2 | Rocket Mortgage, LLC | 638 | 8.0% | — |
| 3 | UNION HOME MORTGAGE CORP. | 437 | 5.5% | — |
| 4 | The Huntington National Bank 59 out of 100, Moderate | 433 | 5.4% | 31.6% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 416 | 5.2% | — |
| 6 | 21st Mortgage Corporation | 292 | 3.7% | — |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 280 | 3.5% | 34.0% |
| 8 | MICHIGAN SCHOOLS AND GOVERNMENT | 224 | 2.8% | — |
| 9 | Genisys Credit Union 81 out of 100, Strong | 211 | 2.7% | 18.7% |
| 10 | MORTGAGE CENTER L.C | 198 | 2.5% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 182 | 2.3% | 14.1% |
| 12 | EVERETT FINANCIAL, INC. | 170 | 2.1% | — |
| 13 | MICHIGAN MUTUAL, INC. | 168 | 2.1% | — |
| 14 | MORTGAGE 1 INCORPORATED | 150 | 1.9% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 124 | 1.6% | — |
| 16 | ChoiceOne Bank 61 out of 100, Moderate | 123 | 1.5% | 22.0% |
| 17 | NEWREZ LLC | 120 | 1.5% | — |
| 18 | PENNYMAC LOAN SERVICES, LLC | 116 | 1.5% | — |
| 19 | FIGURE LENDING LLC | 103 | 1.3% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 102 | 1.3% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 100 | 1.3% | — |
| 22 | First State Bank 63 out of 100, Moderate | 96 | 1.2% | 4.6% |
| 23 | Mortgage Research Center, LLC | 91 | 1.1% | — |
| 24 | Citizens Bank, National Association 54 out of 100, Below average | 83 | 1.0% | 32.5% |
| 25 | GUARANTEED RATE, INC. | 70 | 0.9% | — |
| 26 | AmeriSave Mortgage Corporation | 67 | 0.8% | — |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 66 | 0.8% | 33.8% |
| 28 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 65 | 0.8% | 7.3% |
| 29 | Coastal Community Bank 35 out of 100, Low | 61 | 0.8% | 3.0% |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 59 | 0.7% | 44.7% |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 0.7% | — |
| 32 | FREEDOM MORTGAGE CORPORATION | 57 | 0.7% | — |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 53 | 0.7% | — |
| 34 | PLANET HOME LENDING, LLC | 52 | 0.7% | — |
| 35 | CREDIT UNION ONE 76 out of 100, Strong | 51 | 0.6% | 29.5% |
| 36 | Loandepot.Com, LLC | 49 | 0.6% | — |
| 37 | Broker Solutions, Inc. | 48 | 0.6% | — |
| 38 | Flagstar Bank, N.A. 31 out of 100, Low | 48 | 0.6% | 35.1% |
| 39 | STAUNTON FINANCIAL, INC. | 47 | 0.6% | — |
| 40 | PLAZA HOME MORTGAGE, INC. | 41 | 0.5% | — |
Top 40 of 269 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
- Monroe County 7,418 apps