Michigan · HMDA 2025
Mortgage lenders in St. Joseph County, MI
191 lenders reported 2,357 home-loan applications in St. Joseph County in 2025. 1,462 closed as loans ($251.5M), 379 were denied — a 19.5% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 22% of applications, led by Sturgis Bank & Trust Company. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,357
- Loans originated
- 1,462
- Purchase / refinance
- 693 / 441
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Joseph County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Sturgis Bank & Trust Company 56 out of 100, Moderate | 279 | 11.8% | 3.4% |
| 2 | Rocket Mortgage, LLC | 121 | 5.1% | — |
| 3 | RUOFF MORTGAGE COMPANY, INC. | 110 | 4.7% | — |
| 4 | Prosperity Home Mortgage, LLC | 91 | 3.9% | — |
| 5 | The Huntington National Bank 59 out of 100, Moderate | 90 | 3.8% | 31.6% |
| 6 | Fifth Third Bank, National Association 62 out of 100, Moderate | 82 | 3.5% | 34.0% |
| 7 | ARBOR FINANCIAL CREDIT UNION 55 out of 100, Moderate | 78 | 3.3% | 6.5% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 58 | 2.5% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 55 | 2.3% | — |
| 10 | UNION HOME MORTGAGE CORP. | 50 | 2.1% | — |
| 11 | Farmers State Bank 78 out of 100, Strong | 47 | 2.0% | 8.4% |
| 12 | Southern Michigan Bank & Trust 56 out of 100, Moderate | 45 | 1.9% | 13.3% |
| 13 | NEWREZ LLC | 42 | 1.8% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 42 | 1.8% | — |
| 15 | Mortgage Research Center, LLC | 40 | 1.7% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 38 | 1.6% | — |
| 17 | Horizon Bank 72 out of 100, Strong | 36 | 1.5% | 22.7% |
| 18 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 35 | 1.5% | 7.3% |
| 19 | CONSUMERS CREDIT UNION | 33 | 1.4% | — |
| 20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 33 | 1.4% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 32 | 1.4% | 14.1% |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 31 | 1.3% | — |
| 23 | Flagstar Bank, N.A. 31 out of 100, Low | 31 | 1.3% | 35.1% |
| 24 | KELLOGG COMMUNITY CREDIT UNION 88 out of 100, Very strong | 29 | 1.2% | 1.2% |
| 25 | INTERRA CREDIT UNION 64 out of 100, Moderate | 27 | 1.1% | 23.2% |
| 26 | CARRINGTON MORTGAGE SERVICES, LLC | 26 | 1.1% | — |
| 27 | PLANET HOME LENDING, LLC | 24 | 1.0% | — |
| 28 | AmeriSave Mortgage Corporation | 23 | 1.0% | — |
| 29 | Loandepot.Com, LLC | 22 | 0.9% | — |
| 30 | GVC MORTGAGE, INC. | 22 | 0.9% | — |
| 31 | LAKEVIEW LOAN SERVICING, LLC | 21 | 0.9% | — |
| 32 | ADVIA Federal Credit Union | 21 | 0.9% | — |
| 33 | Broker Solutions, Inc. | 20 | 0.8% | — |
| 34 | MEMBER FIRST MORTGAGE, LLC | 20 | 0.8% | — |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 20 | 0.8% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 19 | 0.8% | — |
| 37 | 21st Mortgage Corporation | 17 | 0.7% | — |
| 38 | Honor Credit Union 70 out of 100, Strong | 17 | 0.7% | 22.6% |
| 39 | FIGURE LENDING LLC | 17 | 0.7% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 16 | 0.7% | 3.0% |
Top 40 of 191 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