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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in St. Clair County, Michigan

Fat Boy Data analyzed cash-out refinance activity in St. Clair County, Michigan, home to Port Huron, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,395 applications were decided by 143 lenders between 2023 and 2025.

St. Clair County at a glance

143Active lenders24 with 20+ decisions
71.7%Market approval rate1,716 of 2,395 decided
$125KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,621 loans funded

How St. Clair County compares

Approval rate compared
St. Clair County71.7%Michigan71.5%All 616 counties68.2%
Typical loan compared
St. Clair County$125KMichigan$125KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in St. Clair County, MI, 499 of them.

That is 31% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Union Home Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 98% of 50.

Approval rate of all 24 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 25% approved of 126One lender: 29% approved of 21One lender: 38% approved of 29One lender: 45% approved of 20One lender: 50% approved of 56One lender: 52% approved of 50Carrington Mortgage Services, LLC: 53% approved of 122One lender: 62% approved of 24One lender: 65% approved of 23One lender: 70% approved of 40One lender: 71% approved of 34One lender: 74% approved of 47United Wholesale Mortgage, LLC: 75% approved of 185One lender: 78% approved of 23One lender: 79% approved of 67The Huntington National Bank: 80% approved of 144One lender: 80% approved of 25Rocket Mortgage, LLC: 82% approved of 628One lender: 85% approved of 47One lender: 86% approved of 22One lender: 87% approved of 52One lender: 93% approved of 67One lender: 95% approved of 42One lender: 98% approved of 50

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Cash-out refinance lenders in St. Clair County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC82%514 / 62897%$125K499
2United Wholesale Mortgage, LLCBroker only75%139 / 18595%$205K132
3The Huntington National Bank80%115 / 14497%$115K112
4Amerisave Mortgage Corporation25%32 / 12697%$85K31
5Carrington Mortgage Services, LLC53%65 / 12274%$125K48

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

Fat Boy found 138 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in St. Clair County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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