St. Clair County, MI: mortgage lenders, denial rate and originations, 2024

States › Michigan › St. Clair County

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Lenders reported 6,551 mortgage applications in St. Clair County, Michigan, for 2024, and originated 3,865 loans worth $639m.

That is 57.0 originations per 1,000 households, against 50.6 for Michigan and 48.0 nationally.

The county's denial rate was 24.6%, close to the state rate of 23.9%. The median rate spread on originated loans was 0.6 percentage points and 20.9% of originations were 1.5 points or more above the average prime offer rate.

43 lenders reached 25 applications in the county; the most active by originations were Advia Credit Union (330), Rocket Mortgage (320) and Union Home Mortgage Corp. (306).

Originations were up 9% on 2023.

6,551applications, 2024

3,865loans originated$639m

24.6%denial rateMI 23.9% · US 24.3%

57.0originations per 1,000 householdsMI 50.6 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Advia Credit Union	605	330	$28m	38.2%	—
2	Rocket Mortgage	454	320	$61m	21.5%	—
3	Union Home Mortgage Corp.	369	306	$58m	4.6%	—
4	United Wholesale Mortgage	353	267	$60m	12.2%	—
5	Huntington National Bank	461	253	$33m	35.9%	—
6	Michigan Mutual, Inc	368	249	$41m	4.5%	—
7	Genisys Credit Union	227	157	$17m	18.5%	—
8	Michigan Schools and Governmen	218	156	$22m	10.6%	—
9	Fifth Third Bank, National Association	233	146	$15m	29.2%	—
10	Mortgage 1 Incorporated	175	135	$30m	3.3%	—
11	Mortgage Center LC	146	111	$16m	7.3%	—
12	ChoiceOne Bank	180	106	$12m	29.0%	—
13	21st Mortgage	258	56	$3.9m	64.8%	—
14	First State Bank	68	55	$12m	14.1%	—
15	JPMorgan Chase Bank, NA	83	51	$8.0m	11.9%	—
16	Mortgage Research Center	81	43	$12m	23.2%	—
17	PNC Bank N.A.	69	37	$5.8m	28.3%	—
18	Ross Mortgage Corporation	48	37	$7.5m	4.9%	—
19	Lake Michigan Credit Union	41	35	$9.9m	5.4%	—
20	CBNA Year to Date	55	32	$4.0m	28.3%	—
21	Staunton Financial, Inc.	38	32	$7.0m	5.9%	—
22	Flagstar Bank NA	53	30	$6.4m	21.1%	—
23	Nationstar Mortgage	47	30	$4.7m	18.9%	—
24	Northstar Bank	43	30	$11m	18.9%	—
25	Bank of America NA	58	28	$4.9m	34.8%	—
26	Crosscountry Mortgage, LLC	41	26	$5.9m	0.0%	—
27	Eastern Michigan Bank	31	26	$3.2m	16.1%	—
28	Newrez LLC	69	24	$5.9m	36.8%	—
29	Loandepot.com, LLC	50	23	$3.3m	46.5%	—
30	Figure Lending LLC	46	23	$1.1m	24.4%	—
31	Navy Federal Credit Union	39	21	$3.5m	19.2%	—
32	Credit Union One	36	21	$1.7m	15.6%	—
33	Triad Financial Services, Inc.	87	19	$1.2m	49.4%	—
34	Carrington Mortgage Services L	54	18	$2.5m	49.0%	—
35	Freedom Mortgage Corporation	41	18	$4.4m	18.5%	—
36	Zippy Loans, LLC	29	17	$745k	—	—
37	Guaranteed Rate, Inc.	25	15	$3.5m	—	—
38	Coastal Community Bank	53	13	$695k	2.5%	—
39	Discover Bank	99	12	$1.0m	81.3%	—
40	Amerisave Mortgage Company	67	12	$1.6m	78.0%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 43. Denial rate is denials over decided applications in this county.

Compared with Michigan and the nation

Measure	This county	Michigan	United States
Denial rate	24.6%	23.9%	24.3%
Median rate spread, pp	0.6	0.5	0.3
Originations with spread of 1.5 pp or more	20.9%	18.4%	15.6%
Average originated loan	$165k	$212k	$329k
Originations per 1,000 households	57.0	50.6	48.0
Home purchase share of originations	47.1%	51.2%	57.0%
FHA-insured share	9.5%	10.0%	13.4%
VA-guaranteed share	6.2%	4.5%	7.9%

Rate spread distribution

Below 0 pp16.9%

0 to 0.5 pp24.9%

0.5 to 1 pp23.9%

1 to 1.5 pp13.4%

1.5 to 3 pp11.8%

3 or more pp9.1%

Share of 3,249 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Michigan). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.

Loan purpose and loan type

By purpose

Home purchase 47% (1,820)Home improvement 12% (471)Refinancing 13% (510)Cash-out refinancing 14% (538)Other purpose 14% (526)

By type

Conventional 84% (3,234)FHA 10% (368)VA 6% (238)USDA 1% (25)

Trend by year

ApplicationsOriginations

Applications and originations in St. Clair County, 2022–2024

This countyMichigan

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in St. Clair County, MI?

By 2024 originations: Advia Credit Union (330), Rocket Mortgage (320), Union Home Mortgage Corp. (306), United Wholesale Mortgage (267), Huntington National Bank (253). 43 lenders had at least 25 applications in the county.

What is the mortgage denial rate in St. Clair County?

24.6% of decided applications were denied in 2024, against 23.9% across Michigan and 24.3% nationally.

How many mortgages were originated in St. Clair County in 2024?

3,865 loans totalling $639m, from 6,551 applications; 57.0 originations per 1,000 households.

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 26147; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.