Mortgage lending in Washtenaw County
7,140 mortgages were originated in Washtenaw 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
- 7,140
- Median rate
- 6.720%
- Median lender fees
- $4,111
- Median loan amount
- $245,000
- Median spread over APOR
- 0.210
- Paid discount points
- 29.6%
- Received lender credits
- 22.9%
- Purchases / refinances
- 48.3% / 29.7%
- Conventional / FHA / VA
- 92.6% / 4.5% / 2.8%
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 67.3% 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 Washtenaw County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 608 | $3,766 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 548 | $4,759 | 6.500% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 438 | $3,251 | 7.500% |
| LAKE MICHIGAN CREDIT UNION | 327 | $3,929 | 6.365% |
| The Huntington National Bank | 302 | $4,205 | 7.440% |
| DFCU FINANCIAL | 232 | $4,204 | 6.250% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 231 | $4,678 | 6.625% |
| First Merchants Bank | 223 | $3,890 | 6.500% |
| University Bank | 220 | $4,000 | 6.625% |
| STAUNTON FINANCIAL, INC. | 219 | $4,389 | 6.500% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Washtenaw County — not a rule of thumb.
From 4,806 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