Mortgage lending in St. Clair County
4,320 mortgages were originated in St. Clair 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
- 4,320
- Median rate
- 6.875%
- Median lender fees
- $4,501
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
- $155,000
- Above the going rate (spread over APOR)
- 0.534
- Paid discount points
- 36.9%
- Received lender credits
- 19.4%
- Purchases / refinances
- 45% / 31.7%
- Conventional / FHA / VA
- 81.7% / 11.6% / 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 66.8% 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 St. Clair County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 464 | $4,274 | 6.750% |
| Union Home Mortgage Corp. | 376 | $5,818 | 6.875% |
| ADVIA Federal Credit Union | 351 | — | 7.250% |
| United Shore Financial Services, LLC | 284 | $6,211 | 6.500% |
| The Huntington National Bank | 241 | $3,543 | 7.690% |
| Fifth Third Bank, National Association | 147 | $1,526 | 7.870% |
| Michigan Schools And Government | 146 | $1,718 | 6.995% |
| Mortgage Center L.c | 141 | $3,394 | 6.625% |
| Everett Financial, Inc. | 122 | $5,260 | 6.750% |
| Mortgage 1 Incorporated | 122 | $5,361 | 6.625% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in St. Clair County — not a rule of thumb.
From 2,885 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