# St James Mortgage Corporation

> **Canonical URL:** https://saferate.com/lenders/st-james-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


St James Mortgage Corporation is a independent mortgage company, headquartered in Bloomfield Hills, MI, with 26 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493006Y55XBWPK4OX71
- **Headquarters:** Bloomfield Hills, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.022%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $0
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 26
- **Dollar Volume:** $7 million
- **Applications Received:** 35
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,615
- **Average Borrower Income:** $142,962
- **Average Property Value:** $508,077

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 17/100 | 26 | +0.022% | $0 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 13 | $3M | +0.053% | Mediocre 😐 |
| Refinance | 25/100 | 13 | $4M | -0.010% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 26 | 0.02% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 24 | 60/100 |

## Frequently Asked Questions

### What loan types does St James Mortgage Corporation offer?

St James Mortgage Corporation offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does St James Mortgage Corporation offer mortgages?

St James Mortgage Corporation offers mortgages in 1 states: MI.

### How competitive are St James Mortgage Corporation's mortgage rates?

St James Mortgage Corporation has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.022% above market average.

### What type of lender is St James Mortgage Corporation?

St James Mortgage Corporation is a non-depository lender that specializes in mortgage origination, headquartered in Bloomfield Hills, MI.

### What is St James Mortgage Corporation's loan approval success rate?

St James Mortgage Corporation has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/st-james-mortgage

### How to Cite

> "St James Mortgage Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/st-james-mortgage

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