Mortgage lending in Muskegon County
4,775 mortgages were originated in Muskegon 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
- 4,775
- Median rate
- 6.750%
- Median lender fees
- $4,065
- Median loan amount
- $165,000
- Median spread over APOR
- 0.400
- Paid discount points
- 38.8%
- Received lender credits
- 22.9%
- Purchases / refinances
- 46.2% / 33.3%
- Conventional / FHA / VA
- 76.6% / 15.6% / 7.6%
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 71.7% 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 Muskegon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 788 | $3,189 | 6.750% |
| Rocket Mortgage, LLC | 337 | $5,311 | 6.625% |
| MORTGAGE 1 INCORPORATED | 297 | $4,755 | 6.625% |
| Fifth Third Bank, National Association | 288 | $3,029 | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 276 | $5,853 | 6.375% |
| The Huntington National Bank | 257 | $3,495 | 7.590% |
| VAN DYK MORTGAGE CORPORATION | 201 | $5,079 | 6.625% |
| CONSUMERS CREDIT UNION | 111 | $3,234 | 6.500% |
| PNC Bank, National Association | 97 | — | 7.610% |
| ChoiceOne Bank | 96 | $2,554 | 6.875% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Muskegon County — not a rule of thumb.
From 3,422 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