Mortgage lending in Wayne County
33,666 mortgages were originated in Wayne 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
- 33,666
- Median rate
- 6.875%
- Median lender fees
- $4,495
- Median loan amount
- $145,000
- Median spread over APOR
- 0.501
- Paid discount points
- 34.1%
- Received lender credits
- 21.7%
- Purchases / refinances
- 48% / 32%
- Conventional / FHA / VA
- 82.3% / 13.8% / 3.8%
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 67.2% 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 Wayne County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 5,312 | $5,795 | 6.625% |
| Rocket Mortgage, LLC | 4,686 | $4,230 | 6.750% |
| DFCU FINANCIAL | 1,390 | $3,775 | 6.250% |
| Citizens Bank, National Association | 1,137 | $4,018 | 7.650% |
| The Huntington National Bank | 958 | $3,975 | 7.000% |
| Kiavi Funding, Inc. | 675 | — | 9.500% |
| Flagstar Bank, N.A. | 561 | $4,001 | 6.625% |
| JPMorgan Chase Bank, National Association | 552 | $3,088 | 6.625% |
| STAUNTON FINANCIAL, INC. | 520 | $4,390 | 6.625% |
| COMMUNITY FINANCIAL CREDIT UNION | 486 | $10 | 7.250% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Wayne County — not a rule of thumb.
From 22,630 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