Lender in Michigan · HMDA 2025
Staunton Financial, Inc. mortgages in Michigan
Staunton Financial, Inc.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Staunton Financial, Inc. originated 2,266 owner-occupied single-family loans in Michigan from 2,376 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $4,180 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
2,266
of 2,376 applications
Denial rate
4.2%
Purchase · MI 7.8%
Rate spread
+0.23 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,102 | 2,006 | 4.2% | 6.625% | +0.23 pts | $4,180 | $235,000 |
| Refinance | 177 | 171 | 2.3% | 6.375% | +0.02 pts | $3,410 | $315,000 |
| Cash-out refinance | 97 | 89 | 8.3% | 6.875% | +0.42 pts | $3,840 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Staunton Financial, Inc. ranks in the top 25
Showing the 30 counties where it ranks highest, of 33.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bay County | 1 | 143 | 10.5% |
| Arenac County | 2 | 15 | 9.4% |
| Wayne County | 3 | 474 | 2.5% |
| Gladwin County | 3 | 19 | 5.4% |
| Oakland County | 4 | 587 | 3.1% |
| Washtenaw County | 4 | 204 | 4.9% |
| Saginaw County | 4 | 96 | 4.4% |
| Midland County | 4 | 80 | 7.1% |
| Alpena County | 4 | 14 | 6.4% |
| Iosco County | 4 | 14 | 4.8% |
| Presque Isle County | 6 | 3 | 3.5% |
| Livingston County | 7 | 95 | 3.1% |
| Ogemaw County | 7 | 6 | 2.6% |
| Oscoda County | 7 | 3 | 3.3% |
| Jackson County | 9 | 58 | 2.7% |
| Isabella County | 9 | 17 | 2.9% |
| Clare County | 10 | 11 | 2.6% |
| Lenawee County | 12 | 21 | 1.6% |
| Gratiot County | 13 | 9 | 2.1% |
| Benzie County | 13 | 4 | 1.8% |
| Macomb County | 14 | 170 | 1.3% |
| St. Clair County | 15 | 33 | 1.4% |
| Alcona County | 15 | 2 | 1.6% |
| Kalkaska County | 16 | 3 | 1.3% |
| Mackinac County | 18 | 1 | 1.8% |
| Monroe County | 19 | 27 | 1.2% |
| Huron County | 19 | 3 | 1.0% |
| Otsego County | 20 | 3 | 0.9% |
| Cheboygan County | 20 | 2 | 0.9% |
| Grand Traverse County | 22 | 13 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology