Mortgage lending in Eaton County
2,482 mortgages were originated in Eaton 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
- 2,482
- Median rate
- 6.750%
- Median lender fees
- $4,161
- Median loan amount
- $165,000
- Median spread over APOR
- 0.416
- Paid discount points
- 37.3%
- Received lender credits
- 18.9%
- Purchases / refinances
- 48.5% / 28.9%
- Conventional / FHA / VA
- 80% / 11.3% / 7.9%
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 73.2% 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 Eaton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 277 | $3,577 | 7.500% |
| Rocket Mortgage, LLC | 228 | $5,014 | 6.500% |
| The Dart Bank | 196 | $3,796 | 6.625% |
| UNION HOME MORTGAGE CORP. | 157 | $6,650 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 111 | $5,874 | 6.249% |
| Fifth Third Bank, National Association | 84 | — | 7.438% |
| LAFCU Credit Union | 72 | $2,971 | 5.875% |
| Flagstar Bank, N.A. | 70 | $3,639 | 6.500% |
| The Huntington National Bank | 63 | — | 7.340% |
| Eaton Community Bank | 51 | — | — |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Eaton County — not a rule of thumb.
From 1,816 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