Largest lenders in Sanilac County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 132 | 96 | 18.2% | 6.88% |
| 2 | United Shore Financial Services | B | 97 | 69 | 15.5% | 6.50% |
| 3 | Thumb Bank and Trust | C | 68 | 57 | 14.7% | — |
| 4 | ADVIA Federal Credit Union | D | 59 | 30 | 30.5% | 7.25% |
| 5 | Union Home Mortgage | B | 57 | 48 | 0.0% | 6.88% |
| 6 | The Huntington National Bank | D | 57 | 25 | 35.1% | 7.69% |
| 7 | Everett Financial | C | 29 | 19 | 0.0% | 6.88% |
| 8 | Mortgage Research Center | C | 29 | 10 | 24.1% | 6.06% |
| 9 | 21st Mortgage | F | 24 | 4 | 58.3% | 9.47% |
| 10 | Eastern Michigan Bank | – | 23 | 18 | 21.7% | — |
| 11 | Genisys Credit Union | D | 23 | 15 | 13.0% | 6.63% |
| 12 | Tri-County Bank | – | 23 | 19 | 17.4% | — |
| 13 | Newrez | D | 23 | 7 | 17.4% | 7.50% |
| 14 | Triad Financial Services | D | 22 | 6 | 36.4% | 8.79% |
| 15 | Team One Credit Union | C | 19 | 14 | 0.0% | 6.63% |
| 16 | Frankenmuth Credit Union | B | 19 | 14 | 5.3% | 7.69% |
| 17 | JPMorgan Chase Bank | B | 18 | 11 | 11.1% | 6.75% |
| 18 | Mortgage Center L.c | C | 18 | 11 | 33.3% | 6.75% |
| 19 | Michigan Schools and Government | C | 17 | 11 | 17.7% | 7.00% |
| 20 | Crosscountry Mortgage | B | 17 | 7 | 11.8% | 6.63% |
| 21 | ChoiceOne Bank | D | 17 | 10 | 35.3% | 7.00% |
| 22 | Independent Bank | C | 17 | 14 | 5.9% | 7.38% |
| 23 | Citizens Bank | C | 15 | 7 | 26.7% | 7.40% |
| 24 | AmeriSave Mortgage | D | 15 | 4 | 66.7% | 6.00% |
| 25 | Michigan Mutual | C | 15 | 8 | 6.7% | 6.99% |
Best approval odds in Sanilac County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Thumb Bank and Trust | 68 | 14.7% |
| 2 | United Shore Financial Services | 86 | 17.4% |
| 3 | Rocket Mortgage | 124 | 19.4% |
What Sanilac County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sanilac County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,136 | 646 | 24.5% | 7.00% | $105,000 |
| 2024 | 1,284 | 745 | 22.1% | 7.13% | $105,000 |
| 2025 | 1,288 | 780 | 18.9% | 6.88% | $135,000 |
Frequently asked questions
18.9% of applications in Sanilac County were denied in 2025, against 18.5% statewide in Michigan.
Rocket Mortgage, with 132 applications in 2025 and a denial rate of 18.2%.
The median mortgage application in Sanilac County in 2025 was for $135,000; the median property value on originated loans was $235,000.