Mortgage lending in Bay County
2,131 mortgages were originated in Bay 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
- 2,131
- Median rate
- 6.750%
- Median lender fees
- $3,615
- Median loan amount
- $125,000
- Median spread over APOR
- 0.586
- Paid discount points
- 30.1%
- Received lender credits
- 19.4%
- Purchases / refinances
- 51.2% / 26.7%
- Conventional / FHA / VA
- 80% / 13.2% / 6.2%
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 78.2% 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 Bay County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 180 | $5,504 | 6.750% |
| STAUNTON FINANCIAL, INC. | 150 | $4,764 | 6.625% |
| The Huntington National Bank | 144 | $3,378 | 7.590% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 125 | $4,792 | 6.399% |
| United Bay Community Credit Union | 122 | $650 | 7.000% |
| Wildfire Credit Union | 84 | — | — |
| Frankenmuth Credit Union | 83 | $2,251 | 7.250% |
| Independent Bank | 75 | — | 6.750% |
| FINANCIAL PLUS CREDIT UNION | 67 | $829 | 6.990% |
| DAS Acquisition Company, LLC | 59 | $5,694 | 6.625% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Bay County — not a rule of thumb.
From 1,667 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