Mortgage lending in Grand Traverse County
2,514 mortgages were originated in Grand Traverse 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
- 2,514
- Median rate
- 6.940%
- Median lender fees
- $4,238
- Median loan amount
- $235,000
- Median spread over APOR
- 0.280
- Paid discount points
- 26.3%
- Received lender credits
- 21.4%
- Purchases / refinances
- 43.8% / 32.7%
- Conventional / FHA / VA
- 89.5% / 5.6% / 4.8%
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 61.7% 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 Grand Traverse County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 306 | $5,043 | 6.625% |
| LAKE MICHIGAN CREDIT UNION | 242 | $3,555 | 6.875% |
| The Huntington National Bank | 240 | $3,357 | 7.440% |
| Rocket Mortgage, LLC | 153 | $4,410 | 6.750% |
| Fifth Third Bank, National Association | 139 | — | 7.500% |
| 4Front Credit Union | 113 | — | 7.500% |
| Independent Bank | 103 | $4,059 | 7.000% |
| CREDIT UNION ONE | 101 | $3,327 | 7.125% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 64 | — | 7.500% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Grand Traverse County — not a rule of thumb.
From 1,552 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