Mortgage lending in Flint, MI
8,755 mortgages were originated in the Flint, MI area in 2025, and here is what they cost.
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
- 8,755
- Median rate
- 6.750%
- Median lender fees
- $4,346
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
- $145,000
- Above the going rate (spread over APOR)
- 0.572
- Paid discount points
- 35.4%
- Received lender credits
- 26.2%
- Purchases / refinances
- 49.3% / 29.1%
- Conventional / FHA / VA
- 75.1% / 17.6% / 6.4%
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 78% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Flint, MI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 846 | $4,444 | 6.875% |
| United Shore Financial Services, LLC | 748 | $5,906 | 6.505% |
| Preston Home Loans Inc | 517 | $5,672 | 6.625% |
| Dort Financial Credit Union | 498 | $2,758 | 6.625% |
| The Huntington National Bank | 449 | $3,859 | 7.590% |
| Elga Credit Union | 354 | $762 | 8.730% |
| J. Virgil, Inc. | 263 | $5,513 | 6.625% |
| Genisys Credit Union | 263 | $823 | 7.240% |
| Lake Michigan Credit Union | 192 | $3,454 | 6.500% |
| Financial Plus Credit Union | 184 | $489 | 7.240% |