Mortgage lending in Lapeer County
2,268 mortgages were originated in Lapeer County, Michigan, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,268
- Median rate
- 6.750%
- Median lender fees
- $4,365
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $185,000
- Above the going rate (spread over APOR)
- 0.446
- Paid discount points
- 35.4%
- Received lender credits
- 24.4%
- Purchases / refinances
- 42.9% / 32.9%
- Conventional / FHA / VA
- 81.2% / 12% / 5.9%
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 74.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $362,000
- That home, 20% down
- $289,600
A median-priced home with 20% down leaves $543,150 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Lapeer County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 244 | $5,059 | 6.750% |
| United Shore Financial Services, LLC | 220 | $5,870 | 6.499% |
| PNC Bank, National Association | 121 | — | 7.625% |
| ChoiceOne Bank | 86 | — | 6.750% |
| Genisys Credit Union | 79 | $252 | 7.240% |
| Dort Financial Credit Union | 77 | — | 6.625% |
| The Huntington National Bank | 75 | — | 7.040% |
| J. Virgil, Inc. | 63 | $5,690 | 6.500% |
| Elga Credit Union | 57 | $866 | 8.240% |
| Lake Michigan Credit Union | 54 | — | 6.375% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Lapeer County — not a rule of thumb.
From 1,694 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers