Mortgage lending in Macomb County
21,473 mortgages were originated in Macomb 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
- 21,473
- Median rate
- 6.750%
- Median lender fees
- $4,267
- Median loan amount
- $175,000
- Median spread over APOR
- 0.441
- Paid discount points
- 34.3%
- Received lender credits
- 22.3%
- Purchases / refinances
- 47.3% / 33%
- Conventional / FHA / VA
- 84.8% / 10.5% / 4.7%
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 71.6% 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 Macomb County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,489 | $5,645 | 6.599% |
| Rocket Mortgage, LLC | 2,572 | $3,949 | 6.750% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 1,356 | $300 | 7.240% |
| The Huntington National Bank | 957 | $3,518 | 7.590% |
| Citizens Bank, National Association | 737 | $3,697 | 7.650% |
| MORTGAGE 1 INCORPORATED | 681 | $4,271 | 6.625% |
| UNION HOME MORTGAGE CORP. | 435 | $5,097 | 6.875% |
| Genisys Credit Union | 419 | $1,623 | 7.240% |
| Flagstar Bank, N.A. | 388 | $3,638 | 6.750% |
| First State Bank | 378 | $3,692 | 6.625% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Macomb County — not a rule of thumb.
From 15,371 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