Mortgage lenders in St. Clair County
4,320 mortgages were made in St. Clair County, Michigan, in 2025, by 272 lenders. The median rate their borrowers got was 6.875% on a median loan of $155,000. Of 6,068 decisions, 1,465 were denials — 24.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 464 | 6.750% | $165,000 | 15.0% |
| UNION HOME MORTGAGE CORP. | 376 | 6.875% | $185,000 | 3.1% |
| ADVIA Federal Credit Union | 351 | 7.250% | $65,000 | 37.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 284 | 6.500% | $225,000 | 13.2% |
| The Huntington National Bank | 241 | 7.690% | $95,000 | 32.0% |
| Fifth Third Bank, National Association | 147 | 7.750% | $85,000 | 33.8% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 146 | 6.995% | $95,000 | 16.1% |
| MORTGAGE CENTER L.C | 141 | 6.625% | $125,000 | 7.8% |
| EVERETT FINANCIAL, INC. | 122 | 6.625% | $195,000 | 3.0% |
| MORTGAGE 1 INCORPORATED | 122 | 6.625% | $225,000 | 2.3% |
| Genisys Credit Union | 120 | 7.250% | $65,000 | 23.8% |
| MICHIGAN MUTUAL, INC. | 110 | 6.750% | $145,000 | 1.5% |
| First State Bank | 82 | 6.500% | $195,000 | 2.3% |
| ChoiceOne Bank | 74 | 6.875% | $115,000 | 29.3% |
| 21st Mortgage Corporation | 67 | 10.130% | $75,000 | 72.9% |
| JPMorgan Chase Bank, National Association | 67 | 6.500% | $155,000 | 16.1% |
| LAKE MICHIGAN CREDIT UNION | 50 | 6.500% | $285,000 | 1.9% |
| Citizens Bank, National Association | 46 | 7.575% | $135,000 | 30.9% |
| Mortgage Research Center, LLC | 44 | 6.250% | $275,000 | 27.4% |
| PNC Bank, National Association | 39 | 3.375% | $105,000 | 28.8% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.875% | $120,000 | 26.4% |
| GUARANTEED RATE, INC. | 38 | 6.625% | $215,000 | 4.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 38 | 6.913% | $230,000 | 0.0% |
| STAUNTON FINANCIAL, INC. | 35 | 6.625% | $245,000 | 7.9% |
| CREDIT UNION ONE | 32 | 7.990% | $90,000 | 22.2% |
| Loandepot.Com, LLC | 30 | 7.125% | $140,000 | 28.6% |
| Flagstar Bank, N.A. | 28 | 6.625% | $190,000 | 25.0% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 8.700% | $65,000 | 48.0% |
| Bank of America, National Association | 27 | 5.750% | $155,000 | 34.2% |
| ROSS MORTGAGE CORPORATION | 26 | 6.750% | $205,000 | 13.3% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $265,000 | 8.8% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.625% | $205,000 | 23.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 24 | 6.688% | $120,000 | 44.0% |
| Northstar Bank | 24 | Not published | $215,000 | 7.7% |
| NEWREZ LLC | 23 | 6.740% | $245,000 | 45.2% |
| PRESTON HOME LOANS INC | 23 | 6.625% | $195,000 | 0.0% |
| FIGURE LENDING LLC | 22 | 9.150% | $55,000 | 29.6% |
| THE LOAN STORE, INC. | 22 | 7.438% | $165,000 | 13.8% |
| Eastern Michigan Bank | 22 | Not published | $190,000 | 8.3% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.125% | $295,000 | 20.0% |
| University Bank | 19 | 6.625% | $215,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 17 | 6.750% | $175,000 | 4.2% |
| AmeriSave Mortgage Corporation | 16 | 8.563% | $80,000 | 71.9% |
| Coastal Community Bank | 16 | 13.365% | $25,000 | 2.1% |
| GreenStone Farm Credit Services, FLCA | 16 | 6.825% | $365,000 | 5.3% |
| Christian Financial Credit Union | 15 | 6.000% | $55,000 | 16.7% |
| Lendage, LLC | 15 | 10.375% | $45,000 | 10.5% |
| Superior National Bank | 15 | 6.625% | $255,000 | 6.3% |
| Navy Federal Credit Union | 14 | 7.350% | $145,000 | 39.1% |
| Broker Solutions, Inc. | 13 | 6.490% | $165,000 | 38.1% |
| The Dart Bank | 13 | 7.375% | $235,000 | 7.1% |
| Cornerstone First Mortgage, Inc | 12 | 6.750% | $245,000 | 7.7% |
| SPRING EQ, LLC | 11 | 8.500% | $45,000 | 64.5% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $205,000 | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 11 | 8.250% | $185,000 | 15.4% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 10 | 7.625% | $115,000 | 9.1% |
| Tri-County Bank | 10 | Not published | $140,000 | 23.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 40.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 31.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Comerica Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TAMMAC HOLDINGS CORPORATION | 5 | Under 10 loans | Under 10 loans | 69.4% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Michigan United Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 85.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Park Lane Finance Solutions, LLC | 4 | Under 10 loans | Under 10 loans | 58.8% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Dort Financial Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FreeStar Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 4 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BLG HOLDINGS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 60.0% |
| COMMUNITY CHOICE | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Trust Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VIBE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Independent Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zeal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 69.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 83.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 14.3% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Public Service Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Michigan Legacy Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Greenwood's State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Frankenmuth Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mercantile Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Extra | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEAM ONE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ELGA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adventure Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wildfire Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900UYC52VIJUZ5X82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOVITA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 72 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Clair County
31 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Huntington National Bank | 7 | $799.2 million |
| Fifth Third Bank, National Association | 6 | $512.5 million |
| Eastern Michigan Bank | 6 | $211.2 million |
| JPMorgan Chase Bank, National Association | 4 | $664.3 million |
| Northstar Bank | 3 | $338.5 million |
| ChoiceOne Bank | 3 | $198.1 million |
| Tri-County Bank | 2 | $76.1 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- JPMorgan Chase Bank, National Association, 1657 Garfield St, Port Huron
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When the next year’s lending figures are out for St. Clair County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.