Mortgage lending in Sanilac County, Michigan
Lenders in Sanilac County, Michigan reported 1,288 mortgage applications for 2025, according to the CFPB.
1,288 mortgage applications and 780 loans originated in 2025; the denial rate was 22.5% of 1,081 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: Sanilac County, MI.
- 1,288
- Applications
- 780
- Loans originated
- 22.5%
- Denial rate
- 243 denied of 1,081 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,288 | 780 |
| 2024 | 1,284 | 745 |
| 2023 | 1,136 | 646 |
| 2022 | 1,404 | 821 |
| 2021 | 1,995 | 1,279 |
| 2020 | 1,794 | 1,158 |
| 2019 | 1,352 | 822 |
| 2018 | 1,292 | 745 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 96 | 132 |
| United Wholesale Mortgage | 69 | 97 |
| Thumb Bank & Trust | 57 | 68 |
| Union Home Mortgage Corp. | 48 | 57 |
| Advia Credit Union | 30 | 59 |
| Huntington National Bank | 25 | 57 |
| Tri-County Bank | 19 | 23 |
| Everett Financial, Inc. | 19 | 29 |
| Eastern Michigan Bank | 18 | 23 |
| Genisys Credit Union | 15 | 23 |
| Independent Bank | 14 | 17 |
| Frankenmuth Credit Union | 14 | 19 |
| GreenStone Farm Credit Services | 14 | 15 |
| Team One Credit Union | 14 | 19 |
| Michigan Schools and Governmen | 11 | 17 |
| Mortgage Center LC | 11 | 18 |
| Lake Michigan Credit Union | 11 | 13 |
| JPMorgan Chase Bank, NA | 11 | 18 |
| Mortgage Research Center | 10 | 29 |
| Mortgage 1 Incorporated | 10 | 10 |
| ChoiceOne Bank | 10 | 17 |
| loanDepot.com LLC | 9 | 11 |
| New American Funding, LLC. | 8 | 13 |
| Michigan Mutual, Inc | 8 | 15 |
| Newrez LLC | 7 | 23 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,086 | 22.2% of 919 decided |
| Joint | under 10 | |
| Race Not Available | 181 | 25.2% of 143 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 32 | no rate: base under 50 |
| Not Hispanic or Latino | 1,040 | 21.7% of 880 decided |
| Joint | 23 | no rate: base under 50 |
| Ethnicity Not Available | 193 | 27.7% of 155 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 553 | 22.7% of 458 decided |
| Female | 275 | 27.8% of 230 decided |
| Joint | 358 | 18.3% of 317 decided |
| Sex Not Available | 102 | 22.4% of 76 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. 2005 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