Mortgage lending in Muskegon-Norton Shores, MI
4,779 mortgages were originated in the Muskegon-Norton Shores, 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
- 4,779
- Median rate
- 6.750%
- Median lender fees
- $4,065
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
- $165,000
- Above the going rate (spread over APOR)
- 0.400
- Paid discount points
- 38.7%
- Received lender credits
- 22.9%
- Purchases / refinances
- 46.1% / 33.2%
- Conventional / FHA / VA
- 76.6% / 15.6% / 7.6%
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 71.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Muskegon-Norton Shores, MI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Lake Michigan Credit Union | 788 | $3,189 | 6.750% |
| Rocket Mortgage, LLC | 337 | $5,311 | 6.625% |
| Mortgage 1 Incorporated | 297 | $4,755 | 6.625% |
| Fifth Third Bank, National Association | 288 | $3,029 | 7.500% |
| United Shore Financial Services, LLC | 276 | $5,853 | 6.375% |
| The Huntington National Bank | 257 | $3,495 | 7.590% |
| Van Dyk Mortgage Corporation | 201 | $5,079 | 6.625% |
| Consumers Credit Union | 111 | $3,234 | 6.500% |
| PNC Bank, National Association | 97 | — | 7.610% |
| ChoiceOne Bank | 96 | $2,554 | 6.875% |