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St. Clair County, Michigan · 2025

Mortgage lenders in St. Clair County, MI: denial rates and top lenders (2025)

263 lenders acted on 7,369 mortgage applications for properties in St. Clair County in 2025. 19.9% were denied (Michigan: 18.5%). Median rate on closed loans 6.88%; median loan $135,000; median property value $275,000.

7.4kApplications
19.9%Denial ratestate 18.5%
6.88%Median ratestate 6.75%
$135,000Median loan
$275,000Median property value

Largest lenders in St. Clair County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ADVIA Federal Credit Union D 685351 31.7%7.25%
2 Rocket Mortgage C 622464 13.7%6.75%
3 Union Home Mortgage B 436376 2.8%6.88%
4 The Huntington National Bank D 430241 27.2%7.69%
5 United Shore Financial Services B 412284 10.9%6.50%
6 21st Mortgage F 29067 63.1%10.13%
7 Fifth Third Bank D 263147 29.3%7.87%
8 Michigan Schools and Government C 224146 13.0%7.00%
9 Genisys Credit Union D 211120 19.0%7.25%
10 Mortgage Center L.c C 198141 6.1%6.63%
11 Everett Financial C 168122 2.4%6.75%
12 Michigan Mutual C 168110 1.2%6.88%
13 Mortgage 1 A 150122 2.0%6.63%
14 ChoiceOne Bank D 12374 25.2%6.88%
15 JPMorgan Chase Bank B 10967 11.9%6.50%
16 Triad Financial Services D 10027 48.0%8.70%
17 First State Bank A 9682 2.1%6.50%
18 Mortgage Research Center C 9144 18.7%6.25%
19 Newrez D 7723 24.7%6.74%
20 Citizens Bank C 7646 27.6%7.58%
21 Nationstar Mortgage C 7238 19.4%6.88%
22 Guaranteed Rate B 6938 2.9%6.63%
23 AmeriSave Mortgage D 6716 61.2%8.56%
24 PNC Bank D 6639 25.8%3.38%
25 Lake Michigan Credit Union A 6550 1.5%6.50%

Best approval odds in St. Clair County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Michigan Mutual1351.5%
2Lake Michigan Credit Union521.9%
3First State Bank872.3%
4Mortgage 11302.3%
5Everett Financial1323.0%
6Union Home Mortgage3923.1%
7Mortgage Center L.c1547.8%
8United Shore Financial Services34113.2%
9Rocket Mortgage56515.0%
10JPMorgan Chase Bank8116.1%

What St. Clair County borrowers applied for

By loan purpose

Home purchase 2,920 40% · 14.9% denied
Refinance 1,099 15% · 14.1% denied
Cash-out refinance 1,319 18% · 20.2% denied
Home improvement 846 11% · 30.6% denied
Other / HELOC 1,185 16% · 29.6% denied

By loan type

Conventional 5,966 81% · 20.8% denied
FHA 909 12% · 18.2% denied
VA 459 6% · 12.4% denied
USDA / RHS 35 0% · 14.3% denied

Why applications were denied

Credit history 505 35%
Debt-to-income ratio 340 24%
Incomplete application 223 16%
Collateral 214 15%
Other 74 5%
Unverifiable information 42 3%
Insufficient cash 25 2%
Employment history 13 1%
Mortgage insurance denied 2 0%

St. Clair County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,1333,55022.0%7.13%$115,000
20246,5513,86520.5%7.13%$125,000
20257,3694,32019.9%6.88%$135,000

Frequently asked questions

19.9% of applications in St. Clair County were denied in 2025, against 18.5% statewide in Michigan.

ADVIA Federal Credit Union, with 685 applications in 2025 and a denial rate of 31.7%.

The median mortgage application in St. Clair County in 2025 was for $135,000; the median property value on originated loans was $275,000.