Mortgage lending in Warren-Troy-Farmington Hills, MI
65,327 mortgages were originated in the Warren-Troy-Farmington Hills, 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
- 65,327
- Median rate
- 6.750%
- Median lender fees
- $4,211
- Median loan amount
- $205,000
- Median spread over APOR
- 0.370
- Paid discount points
- 32.3%
- Received lender credits
- 23.6%
- Purchases / refinances
- 45.7% / 33.2%
- Conventional / FHA / VA
- 87.8% / 8.1% / 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 71.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Warren-Troy-Farmington Hills, MI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 9,087 | $5,515 | 6.565% |
| Rocket Mortgage, LLC | 7,794 | $3,853 | 6.750% |
| The Huntington National Bank | 2,658 | $3,881 | 7.490% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 2,351 | $1,156 | 7.240% |
| Genisys Credit Union | 2,009 | $262 | 7.250% |
| Citizens Bank, National Association | 1,893 | $4,108 | 7.650% |
| LAKE MICHIGAN CREDIT UNION | 1,629 | $4,095 | 6.490% |
| UNION HOME MORTGAGE CORP. | 1,375 | $5,270 | 6.750% |
| MORTGAGE 1 INCORPORATED | 1,265 | $4,392 | 6.625% |
| JPMorgan Chase Bank, National Association | 1,179 | $2,932 | 6.500% |