Mortgage lending in Berrien County
4,011 mortgages were originated in Berrien 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
- 4,011
- Median rate
- 6.990%
- Median lender fees
- $3,885
- Median loan amount
- $165,000
- Median spread over APOR
- 0.430
- Paid discount points
- 25.8%
- Received lender credits
- 19.1%
- Purchases / refinances
- 44.4% / 28.1%
- Conventional / FHA / VA
- 86.2% / 8.3% / 5.2%
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 64.5% 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 Berrien County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED FEDERAL CREDIT UNION | 683 | $3,406 | 7.050% |
| Honor Credit Union | 562 | $2,889 | 7.250% |
| Rocket Mortgage, LLC | 234 | $5,180 | 6.990% |
| Fifth Third Bank, National Association | 206 | $3,133 | 7.750% |
| The Huntington National Bank | 171 | — | 7.630% |
| UNION HOME MORTGAGE CORP. | 163 | $6,523 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | $7,217 | 6.250% |
| Horizon Bank | 118 | — | 6.000% |
| Sturgis Bank & Trust Company | 107 | $3,635 | 6.875% |
| RUOFF MORTGAGE COMPANY, INC. | 75 | $4,035 | 6.625% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Berrien County — not a rule of thumb.
From 2,587 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