Mortgage lending in St. Clair County, Michigan
Lenders in St. Clair County, Michigan reported 7,369 mortgage applications for 2025, according to the CFPB.
7,369 mortgage applications and 4,320 loans originated in 2025; the denial rate was 24.1% of 6,068 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Detroit-Warren-Livonia, MI HUD Metro FMR Area.
- 7,369
- Applications
- 4,320
- Loans originated
- 24.1%
- Denial rate
- 1,465 denied of 6,068 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,369 | 4,320 |
| 2024 | 6,551 | 3,865 |
| 2023 | 6,133 | 3,550 |
| 2022 | 8,201 | 4,917 |
| 2021 | 12,549 | 8,267 |
| 2020 | 12,137 | 7,930 |
| 2019 | 8,510 | 5,254 |
| 2018 | 7,822 | 4,694 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 464 | 622 |
| Union Home Mortgage Corp. | 376 | 436 |
| Advia Credit Union | 351 | 685 |
| United Wholesale Mortgage | 284 | 412 |
| Huntington National Bank | 241 | 430 |
| Fifth Third Bank, National Association | 147 | 263 |
| Michigan Schools and Governmen | 146 | 224 |
| Mortgage Center LC | 141 | 198 |
| Mortgage 1 Incorporated | 122 | 150 |
| Everett Financial, Inc. | 122 | 168 |
| Genisys Credit Union | 120 | 211 |
| Michigan Mutual, Inc | 110 | 168 |
| First State Bank | 82 | 96 |
| ChoiceOne Bank | 74 | 123 |
| 21ST Mortgage | 67 | 290 |
| JPMorgan Chase Bank, NA | 67 | 109 |
| Lake Michigan Credit Union | 50 | 65 |
| Citizens Bank, NA | 46 | 76 |
| Mortgage Research Center | 44 | 91 |
| PNC Bank N.A. | 39 | 66 |
| Nationstar Mortgage | 38 | 72 |
| Guaranteed Rate, Inc. | 38 | 69 |
| Crosscountry Mortgage, LLC | 38 | 53 |
| Staunton Financial Inc | 35 | 47 |
| Credit Union One | 32 | 49 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 39 | no rate: base under 50 |
| Asian | 31 | no rate: base under 50 |
| Black or African American | 96 | 42.5% of 73 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 6,215 | 22.8% of 5,162 decided |
| 2 or more minority races | under 10 | |
| Joint | 54 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 923 | 30.4% of 729 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 131 | 27.5% of 109 decided |
| Not Hispanic or Latino | 6,043 | 22.6% of 5,004 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,107 | 32.3% of 882 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,892 | 24.2% of 2,369 decided |
| Female | 1,716 | 30.0% of 1,430 decided |
| Joint | 2,179 | 18.2% of 1,833 decided |
| Sex Not Available | 582 | 29.6% of 436 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1770 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved