Mortgage lending in Barry County
1,783 mortgages were originated in Barry County, Michigan, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,783
- Median rate
- 6.875%
- Median lender fees
- $3,874
- Median loan amount
- $175,000
- Median spread over APOR
- 0.410
- Paid discount points
- 29.3%
- Received lender credits
- 21.3%
- Purchases / refinances
- 44.9% / 32.5%
- Conventional / FHA / VA
- 84.5% / 9.3% / 6.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Barry County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 218 | $3,336 | 6.865% |
| Rocket Mortgage, LLC | 115 | $4,449 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 90 | $5,197 | 6.430% |
| Fifth Third Bank, National Association | 82 | — | 7.750% |
| ADVIA Federal Credit Union | 65 | — | 7.000% |
| The Huntington National Bank | 61 | — | 7.590% |
| 21st Mortgage Corporation | 55 | — | 11.150% |
| CONSUMERS CREDIT UNION | 52 | — | 6.250% |
| Highpoint Community Bank | 50 | — | — |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Barry County — not a rule of thumb.
From 1,143 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers