Mortgage lending in Newaygo County
1,332 mortgages were originated in Newaygo 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
- 1,332
- Median rate
- 6.750%
- Median lender fees
- $4,476
- Median loan amount
- $165,000
- Median spread over APOR
- 0.420
- Paid discount points
- 36.3%
- Received lender credits
- 21.9%
- Purchases / refinances
- 42.9% / 31.7%
- Conventional / FHA / VA
- 79.6% / 12.5% / 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 65.6% 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 Newaygo County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GERBER FEDERAL CREDIT UNION | 139 | — | — |
| LAKE MICHIGAN CREDIT UNION | 134 | $3,412 | 6.990% |
| Rocket Mortgage, LLC | 87 | $5,740 | 6.875% |
| The Huntington National Bank | 83 | — | 7.490% |
| ChoiceOne Bank | 82 | $2,731 | 7.000% |
| Independent Bank | 79 | — | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | $7,239 | 6.490% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Newaygo County — not a rule of thumb.
From 874 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