Mortgage lending in Ingham County
5,496 mortgages were originated in Ingham 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
- 5,496
- Median rate
- 6.750%
- Median lender fees
- $4,041
- Median loan amount
- $145,000
- Median spread over APOR
- 0.400
- Paid discount points
- 32.5%
- Received lender credits
- 19.6%
- Purchases / refinances
- 53.6% / 24.7%
- Conventional / FHA / VA
- 83.4% / 11.3% / 5.1%
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 68.7% 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 Ingham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 742 | $3,612 | 7.500% |
| The Dart Bank | 545 | $3,620 | 6.625% |
| Rocket Mortgage, LLC | 454 | $4,459 | 6.750% |
| UNION HOME MORTGAGE CORP. | 359 | $6,194 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 332 | $5,963 | 6.484% |
| Flagstar Bank, N.A. | 200 | $3,712 | 6.625% |
| Fifth Third Bank, National Association | 171 | $2,167 | 7.500% |
| The Huntington National Bank | 160 | $3,567 | 7.340% |
| CASE Credit Union | 83 | — | 7.000% |
| PNC Bank, National Association | 82 | — | 7.490% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Ingham County — not a rule of thumb.
From 3,777 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