Mortgage lending in Kent County
16,640 mortgages were originated in Kent 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
- 16,640
- Median rate
- 6.750%
- Median lender fees
- $3,912
- Median loan amount
- $205,000
- Median spread over APOR
- 0.240
- Paid discount points
- 30.5%
- Received lender credits
- 23%
- Purchases / refinances
- 44.5% / 31.5%
- Conventional / FHA / VA
- 90.3% / 6.4% / 3.2%
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 64.2% 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 Kent County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 4,249 | $3,393 | 6.990% |
| Fifth Third Bank, National Association | 992 | $3,173 | 7.500% |
| The Huntington National Bank | 915 | $3,700 | 7.490% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 881 | $6,615 | 6.499% |
| Rocket Mortgage, LLC | 839 | $4,980 | 6.750% |
| Mercantile Bank | 489 | $3,591 | 6.750% |
| CONSUMERS CREDIT UNION | 480 | $3,364 | 6.375% |
| Old National Bank | 411 | $3,401 | 6.375% |
| Independent Bank | 333 | $4,085 | 7.000% |
| MORTGAGE 1 INCORPORATED | 226 | $4,515 | 6.625% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Kent County — not a rule of thumb.
From 10,689 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