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refinance lenders · HMDA 2023–2025

Refinance lenders in St. Clair County, Michigan

Fat Boy Data analyzed mortgage refinance activity in St. Clair County, Michigan to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,854 applications were decided by 140 lenders between 2023 and 2025.

St. Clair County at a glance

140Active lenders18 with 20+ decisions
79.0%Market approval rate1,465 of 1,854 decided
$155KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,364 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County79.0%Michigan78.1%All 616 counties76.5%
Typical loan compared
St. Clair County$155KMichigan$145KAll 616 counties$295K

What the data shows

Advia Credit Union made the most mortgage refinances in St. Clair County, MI, 207 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 97% of 38.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 38% approved of 29Mortgage Research Center, LLC: 56% approved of 25ChoiceOne Bank: 62% approved of 47PNC Bank, National Association: 71% approved of 38Citizens Bank, National Association: 71% approved of 45The Huntington National Bank: 71% approved of 136Rocket Mortgage, LLC: 79% approved of 174Advia Credit Union: 80% approved of 273Genisys Credit Union: 83% approved of 63Michigan Schools and Government: 84% approved of 83Fifth Third Bank, National Association: 85% approved of 124United Wholesale Mortgage, LLC: 87% approved of 152First State Bank: 88% approved of 25Mortgage 1 Incorporated: 90% approved of 30Pennymac Loan Services, LLC: 90% approved of 20Union Home Mortgage Corp.: 94% approved of 89Michigan Mutual, Inc.: 95% approved of 41Freedom Mortgage Corporation: 97% approved of 38

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1Advia Credit Union80%218 / 27395%$95K207
2Rocket Mortgage, LLC79%137 / 17492%$215K126
3United Wholesale Mortgage, LLCBroker only87%132 / 15293%$255K123
4The Huntington National Bank71%97 / 13692%$105K89
5Fifth Third Bank, National Association85%105 / 12499%$85K104

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 135 more lenders.

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Other lending data for St. Clair County

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Nearby markets

All lending in St. Clair CountyCounty overviewRefinance across MichiganStatewideMacomb CountyNearby county