Mortgage lending in Jackson County
3,600 mortgages were originated in Jackson 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
- 3,600
- Median rate
- 6.750%
- Median lender fees
- $4,354
- Median loan amount
- $155,000
- Median spread over APOR
- 0.479
- Paid discount points
- 35.4%
- Received lender credits
- 20.5%
- Purchases / refinances
- 49.5% / 27.6%
- Conventional / FHA / VA
- 77.4% / 14.4% / 7.7%
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 68.3% 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 Jackson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 361 | $5,076 | 6.625% |
| TRUE COMMUNITY Credit Union | 301 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 245 | $5,750 | 6.500% |
| The Dart Bank | 175 | $3,568 | 6.875% |
| The Huntington National Bank | 168 | $3,424 | 7.590% |
| RUOFF MORTGAGE COMPANY, INC. | 146 | $3,664 | 6.625% |
| Flagstar Bank, N.A. | 120 | $4,125 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 102 | $7,068 | 6.625% |
| County National Bank | 96 | — | — |
| Fifth Third Bank, National Association | 90 | — | 7.125% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Jackson County — not a rule of thumb.
From 2,459 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