Mortgage lending in St. Joseph County
1,462 mortgages were originated in St. Joseph 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
- 1,462
- Median rate
- 6.875%
- Median lender fees
- $3,905
- Median loan amount
- $145,000
- Median spread over APOR
- 0.499
- Paid discount points
- 30.8%
- Received lender credits
- 18.9%
- Purchases / refinances
- 47.4% / 30.2%
- Conventional / FHA / VA
- 79.5% / 14.8% / 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 68.6% 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 St. Joseph County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Sturgis Bank & Trust Company | 235 | $3,106 | 7.000% |
| RUOFF MORTGAGE COMPANY, INC. | 95 | $3,936 | 6.625% |
| 254900W66Q1214MV8X83 | 85 | $475 | 7.250% |
| Rocket Mortgage, LLC | 80 | $5,990 | 6.625% |
| Prosperity Home Mortgage, LLC | 69 | $5,589 | 6.625% |
| ARBOR FINANCIAL CREDIT UNION | 58 | — | 7.500% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in St. Joseph County — not a rule of thumb.
From 1,003 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