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Mortgage Lenders and Brokers in St. Clair Shores, Michigan

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

St. Clair Shores, Michigan mortgage lenders include Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, First State BankFirst State Bank53950 Gratiot Ave, Chesterfield, MI 48051A5.0 ★Texas Ratio: 6.84%, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Credit Union OneCredit Union One2400 Green Rd, Ann Arbor, MI 48105 1550A+5.0 ★Texas Ratio: 2.54%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Superior National BankSuperior National Bank201 S Superior Ave, Baraga, MI 49908A+5.0 ★Texas Ratio: 4.32%, Lake Michigan Credit UnionLake Michigan Credit Union496 Ada Dr SE STE 103, Ada, MI 49301, Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%, and Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in St. Clair Shores, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Clair Shores are listed first, then lenders elsewhere in Michigan, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in St. Clair Shores, Michigan

Market share is the lender's share of all home loans closed in St. Clair Shores, Michigan. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Michigan Schools and Governmen 2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99%	Conventional, FHA, HELOC	116 +44 HELOCs	7.7%	89.9%	$113,965	View
First State Bank 53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84%	Conventional, FHA, HELOC	31 +13 HELOCs	2.1%	91.2%	$196,612	View
Flagstar Bank NA 3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	30 +3 HELOCs	2%	86.1%	$200,333	View
Huntington National Bank 202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	26 +28 HELOCs	1.7%	72.2%	$208,461	View
Credit Union One 2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54%	Conventional, HELOC	26 +19 HELOCs	1.7%	75.7%	$90,384	View
JPMorgan Chase Bank, NA 455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	24 +3 HELOCs	1.6%	92.6%	$166,666	View
Superior National Bank 201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32%	Conventional, FHA	20	1.3%	100%	$182,500	View
Lake Michigan Credit Union 496 Ada Dr SE STE 103, Ada, MI 49301	Conventional, Jumbo, HELOC	14 +1 HELOCs	0.9%	100%	$272,857
Bank of America NA 395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	13 +21 HELOCs	0.9%	100%	$219,615	View
Genisys Credit Union 2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37%	Conventional, Jumbo, HELOC	11 +2 HELOCs	0.7%	68.8%	$311,363	View
Fifth Third Bank, National Association 475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, HELOC	10 +20 HELOCs	0.7%	66.7%	$157,000	View
Michigan First Credit Union 20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92%	Conventional, HELOC	8 +6 HELOCs	0.5%	72.7%	$150,000	View
Community Choice Credit Union 39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61%	Conventional, HELOC	8 +2 HELOCs	0.5%	80%	$57,500	View
Citizens Bank, NA 455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, HELOC	7 +54 HELOCs	0.5%	87.5%	$157,857	View
DFCU Financial 2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86%	Conventional, HELOC	6 +3 HELOCs	0.4%	100%	$151,666	View
First Merchants Bank 3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12%	Conventional, FHA	6	0.4%	75%	$178,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 855 Marshall St, Allegan, MI 49010 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	5 +26 HELOCs	0.3%	100%	$161,000	View
Vibe Credit Union 3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97%	Conventional	4	0.3%	66.7%	$105,000	View
University Bank 2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82%	Conventional	4	0.3%	100%	$250,000	View
Consumers Credit Union 6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$281,666	View
Lake Trust Credit Union ★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$101,666	View
Comerica Bank 101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +22 HELOCs	0.1%	66.7%	$190,000	View
Northpointe Bank 3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	2	0.1%	100%	$285,000	View
Michigan Legacy Credit Union 22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18%	Conventional	2	0.1%	100%	$90,000	View
Extra Credit Union 6611 Chicago Rd, Warren, MI 48092 1685 A+5.0 ★Texas Ratio: 4.32%	Conventional	2	0.1%	100%	$125,000	View
Independent Bank 1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46%	Conventional, Jumbo	2	0.1%	100%	$1,370,000	View
First Independence Bank 7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91%	Conventional	2	0.1%	66.7%	$100,000	View
Diversified Members Credit Union 625 N Main St, Clawson, MI 48017 1529 A+5.0 ★Texas Ratio: 5.06%	Conventional	2	0.1%	100%	$45,000	View
Michigan United Credit Union 3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000	View
Dearborn Federal Savings Bank 22315 Michigan Ave, Dearborn, MI 48124 A+5.0 ★Texas Ratio: 1.64%	Conventional	1	0.1%	100%	$145,000	View
Dart Bank 2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59%	Conventional	1	0.1%	33.3%	$225,000	View
Zeal Credit Union 7240 Park Ave, Allen Park, MI 48101 A+5.0 ★Texas Ratio: 4.89%	Conventional	1	0.1%	50%	$35,000	View
Wells Fargo Bank NA 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36%	FHA	1	0.1%	100%	$115,000	View
Bank of Ann Arbor 125 S 5th Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.1%	100%	$125,000	View
Frankenmuth Credit Union 710 N Van Dyke Rd, Bad Axe, MI 48413 A5.0 ★Texas Ratio: 8.18%	Conventional	1	0.1%	100%	$35,000	View
Team One Credit Union 499 BRICK ST, BAD AXE, MI 48413 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$45,000	View
Christian Financial CU 8171 E 10 Mile Rd, Center Line, MI 48015 1449 A+5.0 ★Texas Ratio: 3.21%	HELOC	0 +18 HELOCs	0%	n/a		View
Community Financial 12483 State St, Atlanta, MI 49709	HELOC	0 +3 HELOCs	0%	n/a
Isabella Bank 240 E Northern Ave, Barryton, MI 49305 A+5.0 ★Texas Ratio: 4.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Michigan Educational Credit Union 4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03%	HELOC	0 +1 HELOCs	0%	n/a		View
Rocket Mortgage	Conventional, FHA, VA, HELOC	278 +1 HELOCs	18.5%	87.5%	$174,820
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	264 +5 HELOCs	17.6%	91.1%	$226,553
Mortgage 1 Incorporated	Conventional, FHA, VA	92	6.1%	99%	$211,521
Mortgage Center LC	Conventional	30	2%	85.7%	$160,666
Staunton Financial Inc	Conventional, FHA	19	1.3%	86.4%	$222,894
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	14	0.9%	100%	$197,857
Michigan Mutual, Inc	Conventional, FHA	11	0.7%	100%	$225,909
Ross Mortgage Corporation	Conventional, FHA, VA	10	0.7%	100%	$164,000
Polish-Am Federal Credit Union	Conventional	4	0.3%	80%	$135,000
Top Flite Financial, Inc.	Conventional, FHA	4	0.3%	100%	$195,000
Legacy Mortgage	Conventional	3	0.2%	100%	$211,666
Success Mortgage Partners, Inc	Conventional	3	0.2%	100%	$271,666
Uif Corporation	Conventional	2	0.1%	100%	$330,000
Msu Federal Credit Union	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$405,000
Ccf - Auburn Hills Branch	Conventional	1	0.1%	100%	$45,000
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	54 +1 HELOCs	3.6%	98.2%	$206,481
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	27 +1 HELOCs	1.8%	93.1%	$213,148
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	21 +2 HELOCs	1.4%	95.5%	$210,238
Mortgage Research Center	Conventional, FHA, VA	19	1.3%	80%	$257,105
Freedom Mortgage Corporation	Conventional, FHA, VA	14	0.9%	83.3%	$204,285
Newrez LLC	Conventional, FHA	14	0.9%	63.6%	$166,428
The Loan Store, Inc	Conventional, VA, HELOC	10 +5 HELOCs	0.7%	100%	$280,000
Nationstar Mortgage	Conventional, FHA, VA	10	0.7%	90.9%	$149,000
Zillow Home Loans, LLC	Conventional, FHA, VA	10	0.7%	100%	$218,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	9 +1 HELOCs	0.6%	60%	$228,333
Pennymac Loan Services LLC	Conventional, FHA, VA	9	0.6%	81.8%	$199,444
Navy Federal Credit Union	Conventional, VA, HELOC	8 +2 HELOCs	0.5%	80%	$152,500
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	8	0.5%	100%	$238,750	View
Lakeview Loan Servicing, LLC	Conventional, FHA	8	0.5%	50%	$182,500
Plaza Home Mortgage, Inc	Conventional, FHA	8	0.5%	72.7%	$186,250
Cmg Mortgage Inc	Conventional, FHA, VA	7	0.5%	87.5%	$170,714
Amerisave Mortgage Company	Conventional	6	0.4%	28.6%	$80,000
The Mortgage Link, Inc.	Conventional, FHA, VA	6	0.4%	100%	$238,333
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.3%	41.7%	$59,000
American Financial Resources LLC	Conventional, FHA	5	0.3%	100%	$211,000
Movement Mortgage, LLC	Conventional, FHA, VA	5	0.3%	100%	$251,000
Mutual of Omaha Mortgage	Conventional, FHA	5	0.3%	100%	$177,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	5	0.3%	100%	$245,000	View
Everett Financial, Inc.	Conventional, FHA	4	0.3%	100%	$190,000
Equity Prime Mortgage LLC	FHA	4	0.3%	66.7%	$230,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	4	0.3%	57.1%	$225,000	View
Sun West Mortgage Company, Inc	FHA, VA	3	0.2%	75%	$201,666
American Pacific Mortgage Corporation	Conventional, VA	3	0.2%	100%	$221,666
National Cooperative Bank, N.A. A5.0 ★Texas Ratio: 6.04%	Conventional	3	0.2%	100%	$55,000	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.1%	40%	$250,000	View
Cornerstone First Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$200,000
PHH Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$135,000
American Financial Network, Inc.	FHA	2	0.1%	66.7%	$240,000
PFN Lending Group, Inc.	Conventional	2	0.1%	100%	$115,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.1%	100%	$110,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	2	0.1%	100%	$185,000	View
Planet Home Lending, LLC	FHA, VA	2	0.1%	100%	$290,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.1%	100%	$75,000
Prosperity Home Mortgage, LLC	FHA	2	0.1%	66.7%	$190,000
New American Funding, LLC.	Conventional, FHA	2	0.1%	33.3%	$125,000
Lower, LLC	Conventional, FHA	2	0.1%	100%	$210,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	100%	$80,000	View
Carrington Mortgage Services LLC	FHA	2	0.1%	66.7%	$155,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$475,000
Village Capital & Investment	FHA, VA	2	0.1%	60%	$240,000
Goodleap, LLC	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$115,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$435,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$55,000
EMM Loans LLC	FHA	1	0.1%	100%	$265,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$245,000	View
Ruoff Mortgage Company	Conventional	1	0.1%	100%	$175,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	VA	1	0.1%	100%	$755,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$235,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$205,000	View
Success Lending, LLC	Conventional	1	0.1%	100%	$295,000
Nbkc Bank	Conventional	1	0.1%	50%	$265,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$205,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$255,000
Tower Federal Credit Union	Conventional	1	0.1%	100%	$25,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$125,000	View
AdvantageFirst Lending Inc	FHA	1	0.1%	33.3%	$175,000
The Farmers & Merchants State Bank	Conventional	1	0.1%	50%	$405,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$285,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$485,000
Discover Bank	Conventional	1	0.1%	10%	$55,000
Ez Fundings Inc	FHA	1	0.1%	100%	$285,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$245,000
New Day Financial, LLC.	VA	1	0.1%	50%	$175,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$285,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$135,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$185,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$165,000
Geneva Financial LLC	FHA	1	0.1%	100%	$245,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0.1%	100%	$285,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$455,000	View
Sun Federal Credit Union	Conventional	1	0.1%	100%	$125,000
Dupaco Community Credit Union	Conventional	1	0.1%	100%	$295,000
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$145,000
V.I.P. Mortgage, Inc.	FHA	1	0.1%	50%	$185,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$275,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$385,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0.1%	50%	$125,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$215,000	View
Reliance First Capital, LLC	FHA	1	0.1%	100%	$145,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
Tomo Mortgage LLC	Conventional	1	0.1%	50%	$175,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$125,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +5 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Credit Union 1	HELOC	0 +1 HELOCs	0%	n/a
EastRise Federal Credit Union A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

St. Clair Shores Mortgage Rate Trends

Daily average mortgage rates for Michigan compared with the national average, updated every evening.

30-Year Fixed MI Avg

7.495%

▲ 0.082 vs 7 days ago

15-Year Fixed MI Avg

7.088%

▲ 0.096 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in St. Clair Shores, Michigan

Looking for mortgage lenders near me or mortgage brokers near me in St. Clair Shores? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Clair Shores in 2025, with lenders based there listed first.

Types of Mortgage Lenders in St. Clair Shores, MI

Use these to narrow the list above. Each category shows how many St. Clair Shores, MI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 78 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 39 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 37 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 63 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 28 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 3 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MI 47 lenders headquartered in Michigan, the closest thing to a mortgage lender near you

Who Lends in St. Clair Shores, MI

Independent mortgage companies closed 67.8 percent of home loans in St. Clair Shores, Michigan in 2025, banks 15 percent and credit unions 17.2 percent. Rocket Mortgage was the largest mortgage company, First State Bank the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, Michigan Schools and Governmen led with 116 loans.

67.8%

Mortgage companies

15%

Banks

17.2%

Credit unions

15%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Michigan. State real estate transfer tax of $3.75 per $500 (0.75 percent) plus a county transfer tax of $0.55 per $500 (0.11 percent), customarily paid by the seller. No mortgage recording tax.

More Michigan Mortgage Lender Pages

All Michigan lenders 765 lenders Detroit 207 lenders Grand Rapids 201 lenders Warren 178 lenders Lansing 167 lenders Sterling Heights 175 lenders Livonia 179 lenders Westland 144 lenders Royal Oak 148 lenders Wyoming 152 lenders Troy 145 lenders Ann Arbor 156 lenders Dearborn 112 lenders

Frequently Asked Questions About Mortgage Lenders in St. Clair Shores, MI

Who is the largest mortgage lender in St. Clair Shores, MI?

By home loans closed in 2025, Michigan Schools and Governmen was the largest mortgage lender in St. Clair Shores, Michigan with 116 loans, about 7.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Clair Shores, MI have the highest approval rates?

Among lenders with meaningful volume in St. Clair Shores, Michigan, Mortgage 1 Incorporated approved the highest share of completed applications in 2025 at 99 percent, against a 85.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which St. Clair Shores, MI mortgage lenders offer FHA, VA and USDA loans?

63 lenders closed FHA loans in St. Clair Shores, Michigan in 2025, led by United Wholesale Mortgage with 53. 28 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this St. Clair Shores, MI lender list?

Yes. 39 banks and 37 credit unions closed home loans in St. Clair Shores, Michigan in 2025, alongside 78 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in St. Clair Shores, MI ranked on this page?

Lenders are ranked only by the number of home loans they closed in St. Clair Shores, Michigan during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in St. Clair Shores, Michigan for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up St. Clair Shores. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.