What people paid for mortgages in Genesee County, MI (2025)
Across 3,988 closed home-purchase loans in 2025, the median interest rate in Genesee was 6.625%, and the middle half of borrowers got between 6.375% and 6.99%. Median total loan costs ran $4,895 on a median loan of $195,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.375%–6.99%
- Median total loan costs
- $4,895
- Median loan amount
- $195,000
3,988 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $5,126
- Median loan amount
- $185,000
1,798 loans, 2025.
Lowest median rates in Genesee (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Dort Financial Credit Union6%99 loans, median costs $3,360
- 2.MORTGAGE CENTER L.C6.25%33 loans, median costs $4,430
- 3.LAKE MICHIGAN CREDIT UNION6.375%145 loans, median costs $3,510
- 4.TOWNE MORTGAGE COMPANY6.375%51 loans, median costs $5,702
- 5.ELGA CREDIT UNION6.375%33 loans, median costs $3,789
Among lenders with at least 30 closed purchase loans in Genesee County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%247 loans, median costs $6,268
- 2.Dort Financial Credit Union6%52 loans, median costs $2,902
- 3.PENNYMAC LOAN SERVICES, LLC6.124%54 loans, median costs $6,384
- 4.PRESTON HOME LOANS INC6.188%44 loans, median costs $5,245
- 5.Rocket Mortgage, LLC6.25%322 loans, median costs $6,480
Among lenders with at least 30 closed refinance loans in Genesee County in 2025.
Lender by lender in Genesee
Every lender that closed at least 5 qualifying loans in Genesee County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | PRESTON HOME LOANS INC | 449 | 6.625% | $5,824 | $2,083 | $1,080 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 409 | 6.625% | $5,781 | $1,900 | $1,341 |
| 3 | Rocket Mortgage, LLC | 290 | 6.75% | $4,493 | $1,572 | $1,474 |
| 4 | J. VIRGIL, INC. | 209 | 6.625% | $5,665 | $2,097 | $991 |
| 5 | LAKE MICHIGAN CREDIT UNION | 145 | 6.375% | $3,510 | $1,001 | $404 |
| 6 | BLG HOLDINGS, INC. | 143 | 6.625% | $6,314 | $2,513 | $1,491 |
| 7 | DAS Acquisition Company, LLC | 129 | 6.625% | $5,542 | $2,408 | $876 |
| 8 | First State Bank | 112 | 6.625% | $3,687 | $950 | $743 |
| 9 | Dort Financial Credit Union | 99 | 6% | $3,360 | $1,130 | n/a |
| 10 | The Huntington National Bank | 84 | 6.625% | $4,028 | $1,395 | $635 |
| 11 | Mortgage Research Center, LLC | 81 | 6.5% | $4,077 | $0 | $579 |
| 12 | MORTGAGE 1 INCORPORATED | 81 | 6.625% | $6,583 | $2,751 | $1,354 |
| 13 | ROSS MORTGAGE CORPORATION | 62 | 6.625% | $4,975 | $1,915 | $736 |
| 14 | Genisys Credit Union | 60 | 6.562% | $3,415 | $850 | $432 |
| 15 | TRIAD FINANCIAL SERVICES, INC. | 59 | 8.49% | n/a | n/a | n/a |
| 16 | The Dart Bank | 58 | 6.75% | $4,147 | $1,190 | $548 |
| 17 | JPMorgan Chase Bank, National Association | 54 | 6.625% | $2,602 | $558 | $780 |
| 18 | TOWNE MORTGAGE COMPANY | 51 | 6.375% | $5,702 | $2,114 | $1,072 |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 50 | 6.625% | $6,323 | $2,801 | $1,611 |
| 20 | Flagstar Bank, N.A. | 50 | 6.625% | $3,859 | $1,295 | $895 |
| 21 | UNION HOME MORTGAGE CORP. | 49 | 6.875% | $5,008 | $1,934 | $1,093 |
| 22 | Broker Solutions, Inc. | 48 | 6.75% | $6,892 | $2,567 | $1,669 |
| 23 | Frankenmuth Credit Union | 44 | 6.75% | $3,295 | $958 | $1,734 |
| 24 | 21st Mortgage Corporation | 42 | 11.745% | n/a | n/a | n/a |
| 25 | STAUNTON FINANCIAL, INC. | 40 | 6.562% | $3,931 | $1,419 | $962 |
| 26 | ZILLOW HOME LOANS, LLC | 39 | 6.625% | $4,430 | $1,745 | $1,118 |
| 27 | Prosperity Home Mortgage, LLC | 39 | 6.5% | $5,054 | $2,248 | $1,260 |
| 28 | PLAZA HOME MORTGAGE, INC.broker only | 33 | 6.625% | $5,595 | $1,393 | $1,500 |
| 29 | ELGA CREDIT UNION | 33 | 6.375% | $3,789 | $1,274 | $1,661 |
| 30 | MORTGAGE CENTER L.C | 33 | 6.25% | $4,430 | $1,400 | $511 |
| 31 | Zippy Loans, LLC | 33 | 8.8% | $4,874 | $1,825 | n/a |
| 32 | GUARANTEED RATE, INC. | 30 | 6.625% | $5,143 | $1,640 | $2,705 |
| 33 | Sunflower Bank, National Association | 29 | 6.625% | $4,795 | $2,112 | $1,390 |
| 34 | FINANCIAL PLUS CREDIT UNION | 29 | 6.625% | $3,286 | $1,045 | $250 |
| 35 | PENNYMAC LOAN SERVICES, LLC | 29 | 6.624% | $4,730 | $1,139 | $731 |
| 36 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 27 | 6.75% | $5,504 | $1,754 | $1,393 |
| 37 | MOVEMENT MORTGAGE, LLC | 24 | 6.625% | $4,751 | $2,016 | $675 |
| 38 | THE LOAN STORE, INC.broker only | 23 | 6.625% | $5,194 | $2,468 | $976 |
| 39 | Fifth Third Bank, National Association | 22 | 6.625% | $3,441 | $844 | $294 |
| 40 | GreenStone Farm Credit Services, FLCA | 20 | 6.675% | $8,610 | $5,064 | n/a |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Genesee figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Genesee County in 2025?
The median interest rate on closed home-purchase loans in Genesee County, Michigan in 2025 was 6.625%, across 3,988 first-lien, owner-occupied loans. The middle half of borrowers got between 6.375% and 6.99%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.