Mortgage lending in St. Joseph County, Michigan
Lenders in St. Joseph County, Michigan reported 2,371 mortgage applications for 2025, according to the CFPB.
2,371 mortgage applications and 1,462 loans originated in 2025; the denial rate was 19.5% of 1,944 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Joseph County, MI.
- 2,371
- Applications
- 1,462
- Loans originated
- 19.5%
- Denial rate
- 379 denied of 1,944 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,371 | 1,462 |
| 2024 | 2,204 | 1,378 |
| 2023 | 2,070 | 1,163 |
| 2022 | 2,440 | 1,493 |
| 2021 | 3,357 | 2,141 |
| 2020 | 3,395 | 2,194 |
| 2019 | 2,229 | 1,394 |
| 2018 | 2,163 | 1,270 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Sturgis Bank & Trust | 235 | 276 |
| Ruoff Mortgage Company | 95 | 110 |
| OMNI Community Credit Union | 85 | 218 |
| Rocket Mortgage | 80 | 115 |
| Prosperity Home Mortgage, LLC | 69 | 91 |
| Arbor Financial Credit Union | 58 | 78 |
| Huntington National Bank | 46 | 86 |
| United Wholesale Mortgage | 39 | 57 |
| Farmers State Bank | 38 | 47 |
| Fifth Third Bank, National Association | 34 | 81 |
| Southern Michigan Bank & Trust | 33 | 45 |
| Consumers Credit Union | 28 | 33 |
| Kellogg Community Credit Union | 27 | 29 |
| Union Home Mortgage Corp. | 27 | 41 |
| Lake Michigan Credit Union | 27 | 35 |
| Horizon Bank | 27 | 36 |
| Cardinal Financial Company, Li | 26 | 29 |
| Crosscountry Mortgage, LLC | 25 | 38 |
| Mortgage Research Center | 22 | 40 |
| Interra Credit Union | 19 | 27 |
| Freedom Mortgage Corporation | 19 | 38 |
| GVC Mortgage, Inc. | 17 | 22 |
| Flagstar Bank NA | 16 | 31 |
| loanDepot.com LLC | 13 | 22 |
| KALSEE Credit Union | 12 | 12 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | withheld | |
| Black or African American | 43 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,005 | 18.3% of 1,679 decided |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 277 | 25.9% of 201 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 128 | 22.9% of 105 decided |
| Not Hispanic or Latino | 1,952 | 19.1% of 1,629 decided |
| Joint | 33 | no rate: base under 50 |
| Ethnicity Not Available | 258 | 22.6% of 186 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 923 | 22.8% of 753 decided |
| Female | 487 | 23.3% of 390 decided |
| Joint | 800 | 13.4% of 687 decided |
| Sex Not Available | 161 | 21.1% of 114 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. 2004 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