Mortgage lending in Calhoun County
3,152 mortgages were originated in Calhoun 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
- 3,152
- Median rate
- 6.875%
- Median lender fees
- $3,285
- Median loan amount
- $125,000
- Median spread over APOR
- 0.530
- Paid discount points
- 28.8%
- Received lender credits
- 18.2%
- Purchases / refinances
- 45.3% / 34.3%
- Conventional / FHA / VA
- 78.4% / 13% / 8.2%
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 76.6% 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 Calhoun County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| KELLOGG COMMUNITY CREDIT UNION | 334 | — | 7.500% |
| Rocket Mortgage, LLC | 251 | $5,268 | 6.625% |
| MARSHALL COMMUNITY CREDIT UNION | 220 | $2,362 | 7.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 147 | $5,587 | 6.125% |
| The Huntington National Bank | 145 | — | 7.590% |
| UNION HOME MORTGAGE CORP. | 123 | $5,776 | 6.875% |
| ADVIA Federal Credit Union | 117 | — | 7.500% |
| CONSUMERS CREDIT UNION | 105 | $3,013 | 6.375% |
| 254900W66Q1214MV8X83 | 97 | $475 | 7.125% |
| Honor Credit Union | 86 | $2,344 | 7.250% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Calhoun County — not a rule of thumb.
From 2,413 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