St. Joseph County
Michigan · FIPS 26149
According to CFPB HMDA 2024 application volume among U.S. counties, St. Joseph County ranks #858 of 3,223, and #31 of 83 in Michigan.
Mortgage lending activity in St. Joseph County, Michigan based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. St. Joseph County, Michigan lenders denied 400 of the applications reported here, financing the rest at an average note rate of 7.29%, with applicants self-reporting average annual income of $37K. 147 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in St. Joseph County
In St. Joseph County, lead originator Sturgis Bank & Trust funded 12.5% of 1,360 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to St. Joseph County's 2,323 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. Joseph County's $150,751 average loan (deduped against volume peers).
Lenders active in St. Joseph County
Sturgis Bank & Trust funded 170 of the 1,360 loans originated in St. Joseph County, 12.5% of the county. 147 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Sturgis Bank & Trust | 170 | 12.5% |
| 2 | OMNI Community Credit Union | 109 | 8.0% |
| 3 | Rocket Mortgage | 74 | 5.4% |
| 4 | Ruoff Mortgage Company | 70 | 5.1% |
| 5 | Oak Mortgage, LLC | 68 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. Joseph County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for St. Joseph County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.