Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Clair County, Michigan
Every institution that decided a 1–4 unit mortgage application in St. Clair County, home to Port Huron, between 2023 and 2025: 13,691 applications, 10,070 loans actually funded, across 8 kinds of borrowing.
St. Clair County at a glance
13,691Applications decided
2023–2025
10,070Loans funded
74% of decisions
50Census tracts
20 ZIP codes
160,089People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Lending by loan type in St. Clair County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.4% | 6,580 | $195K | 95% | 226 |
| Home improvement loans | 65.0% | 2,163 | $55K | 94% | 84 |
| Cash-out refinance | 71.7% | 2,395 | $125K | 94% | 143 |
| Refinance | 79.0% | 1,854 | $155K | 93% | 140 |
| Investment property purchase | 83.8% | 450 | $145K | 95% | 109 |
| Investment cash-out refinance | 74.3% | 113 | $95K | 90% | 43 |
| Investment refinance | 68.2% | 63 | $125K | 100% | 30 |
| Investment home improvement | 50.7% | 73 | $65K | 78% | 21 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.