Mortgage lending in Midland, MI
1,719 mortgages were originated in the Midland, MI area in 2025, and here is what they cost.
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
- 1,719
- Median rate
- 6.625%
- Median lender fees
- $4,023
- Median loan amount
- $175,000
- Median spread over APOR
- 0.390
- Paid discount points
- 35.2%
- Received lender credits
- 20.2%
- Purchases / refinances
- 51.8% / 31.6%
- Conventional / FHA / VA
- 79.8% / 10.9% / 9.2%
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 78.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Midland, MI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 176 | $5,432 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 157 | $4,779 | 6.250% |
| DOW CREDIT UNION | 128 | $2,450 | 7.188% |
| The Huntington National Bank | 118 | — | 7.357% |
| STAUNTON FINANCIAL, INC. | 87 | $5,244 | 6.625% |
| Isabella Bank | 86 | — | 6.250% |
| FIRST COMMUNITY MORTGAGE, INC. | 60 | $5,228 | 6.625% |
| Wildfire Credit Union | 51 | — | — |