Mortgage lending in Clinton County
1,898 mortgages were originated in Clinton 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
- 1,898
- Median rate
- 6.875%
- Median lender fees
- $4,085
- Median loan amount
- $195,000
- Median spread over APOR
- 0.380
- Paid discount points
- 32.3%
- Received lender credits
- 20%
- Purchases / refinances
- 46.6% / 30.6%
- Conventional / FHA / VA
- 85.1% / 8.4% / 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 69.8% 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 Clinton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 237 | $3,703 | 7.500% |
| The Dart Bank | 217 | $3,843 | 6.750% |
| Rocket Mortgage, LLC | 166 | $4,484 | 6.625% |
| UNION HOME MORTGAGE CORP. | 120 | $6,355 | 6.875% |
| Fifth Third Bank, National Association | 104 | — | 7.870% |
| The Huntington National Bank | 98 | — | 7.440% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 80 | $5,307 | 6.125% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Clinton County — not a rule of thumb.
From 1,325 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