Coldwater Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Coldwater averaged 6.5% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.92% and one month ago for the week of 2025-03-06, the average rate was 6.81%.

    Coldwater's average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.12%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Coldwater 30 Year Fixed Rate 2025-04-10 6.5%
    Coldwater 30 Year Fixed Rate Refi 2025-04-10 7.12%
    Coldwater 15 Year Fixed Rate 2025-04-10 5.82%
    Coldwater 15 Year Fixed Rate Refi 2025-04-10 6.32%
    Coldwater 30 Year FHA 2025-04-10 6.53%
    Coldwater 30 Year FHA Refi 2025-04-10 6.43%
    Coldwater 30 Year USDA 2025-04-10 6.35%
    Coldwater 30 Year USDA Refi 2025-04-10 6.45%
    Coldwater 30 Year VA 2025-04-10 6.29%
    Coldwater 30 Year VA Refi 2025-04-10 6.09%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Coldwater, MI.

    Coldwater Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Coldwater, MI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GVC MORTGAGE, INC. 25 6.92% $5,799
    OAK MORTGAGE, LLC 23 6.82% $3,091
    CONSUMERS 20 6.54% $3,023
    UNION HOME MORTGAGE CORP. 17 7.03% $5,381
    QUICKEN LOANS, LLC 13 6.98% $5,444
    Honor Credit Union 10 6.34% $3,309
    RUOFF MORTGAGE COMPANY, INC. 10 6.81% $5,429
    The Huntington National Bank 8 7.19% $3,586
    UNITED WHOLESALE MORTGAGE, LLC 6 6.67% $6,967
    Flagstar Bank, FSB 5 6.19% $3,813
    Fifth Third Bank 4 7.22% $2,601
    MARSHALL COMMUNITY CREDIT UNION 4 5.69% $1,902
    Mr. Cooper ( Nationstar Mortgage ) 3 6.99% $5,708
    OMNI Community Credit Union 3 6.71% $4,401
    JPMorgan Chase Bank 3 7.16% $3,588
    ProFed Federal Credit Union 3 6.29% $3,027
    Kellogg Community Credit Union 3 6.67% $2,723
    CONTOUR MORTGAGE CORPORATION 3 6.67% $5,357
    Carrington Mortgage Services, LLC 2 6.25% $5,441
    The Farmers & Merchants State Bank 2 7.19% $4,579
    LAKE MICHIGAN CREDIT UNION 2 7.00% $3,800
    STAR Financial Bank 2 6.19% $4,776
    Three Rivers Federal Credit Union 2 7.44% $3,800
    DEEPHAVEN MORTGAGE LLC 2 7.88% $8,372
    Prosperity Home Mortgage, LLC 2 6.81% $7,604
    PNC Bank 2 6.94% $4,589
    ARBOR FINANCIAL CREDIT UNION 2 6.50% $3,236
    Northpointe Bank 2 7.88% $4,120
    MID AMERICA MORTGAGE, INC. 2 7.38% $7,153
    NEWREZ LLC 2 6.94% $3,771
    MORTGAGE 1 INCORPORATED 2 7.00% $7,558
    MORTGAGE CENTER L.C 2 6.94% $3,537
    HALLMARK HOME MORTGAGE, LLC 2 6.63% $3,808
    MOVEMENT MORTGAGE, LLC 2 5.90% $4,833
    NAVY FEDERAL CREDIT UNION 2 5.88% $9,270
    USAA Federal Savings Bank 1 6.38% $2,946
    CARDINAL FINANCIAL 1 6.75% $8,110
    Civista Bank 1 6.50% $5,078
    CROSSCOUNTRY MORTGAGE, LLC 1 6.49% $16,972
    EQUITY RESOURCES, INC. 1 7.50% $5,436
    First Federal Bank of the Midwest 1 6.88% $4,413
    FREEDOM MORTGAGE CORPORATION 1 7.00% $13,733
    GUARANTEED RATE, INC. 1 7.63% $3,895
    GUILD MORTGAGE COMPANY 1 6.88% $3,180
    INTERRA CREDIT UNION 1 7.13% $2,794
    KEMBA FINANCIAL 1 6.50% $5,618
    LAFCU 1 5.75% $3,037
    LOANDEPOT.COM, LLC 1 6.88% $12,073
    MICHIGAN MUTUAL, INC. 1 7.50% $2,669
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 1 7.38% $3,933
    Minster Bank 1 7.25% $3,649
    Mortgage Research Center, LLC 1 6.99% $7,232
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $2,129
    NexBank 1 6.75% $7,225
    Peoples Bank 1 8.50% $10,851
    ROYAL UNITED MORTGAGE LLC 1 6.38% $8,838
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.88% $9,122
    Superior Credit Union, Inc. 1 6.75% $3,927
    The Citizens National Bank of Bluffton 1 7.75% $5,384
    The Dart Bank 1 7.13% $2,974
    The Loan Store, Inc. 1 6.99% $7,218
    UIF CORPORATION 1 6.99% $2,680

    Coldwater Average Closing Costs & Other Stats

    Coldwater, MI's 62 lenders originated 793 loans during 2024. The total origination value was $126,265,000, with an average loan value of $159,224.

    Coldwater's average closing costs are $4,212.

    The top Coldwater lender as defined by loan originations is GVC MORTGAGE, INC., with 25 loans originated. Their average total fees are $5,799, which is $2,708 higher than the next largest lender, OAK MORTGAGE, LLC.

    The lowest fee Coldwater lenders (with over 10 loans originated) are CONSUMERS ($3,023), OAK MORTGAGE, LLC ($3,091), Honor Credit Union ($3,309), UNION HOME MORTGAGE CORP. ($5,381) and RUOFF MORTGAGE COMPANY, INC. ($5,429).

    The lowest rate Coldwater lenders (with over 10 loans originated) are Honor Credit Union (6.34%), CONSUMERS (6.54%), RUOFF MORTGAGE COMPANY, INC. (6.81%), OAK MORTGAGE, LLC (6.82%) and GVC MORTGAGE, INC. (6.92%).

    Coldwater, MI Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Southern Michigan Bank & Trust $9,985,000 $10,405,000 4.2% 8.2%
    UNION HOME MORTGAGE CORP. $7,885,000 $10,150,000 28.7% 8.0%
    GVC MORTGAGE, INC. $5,225,000 $7,650,000 46.4% 6.1%
    CONSUMERS $3,395,000 $6,475,000 90.7% 5.1%
    QUICKEN LOANS, LLC $8,780,000 $6,310,000 -28.1% 5.0%
    OAK MORTGAGE, LLC $7,520,000 $4,725,000 -37.2% 3.7%
    The Huntington National Bank $10,575,000 $4,575,000 -56.7% 3.6%
    RUOFF MORTGAGE COMPANY, INC. $3,180,000 $4,565,000 43.6% 3.6%
    Honor Credit Union $3,965,000 $4,085,000 3.0% 3.2%
    UNITED WHOLESALE MORTGAGE, LLC $3,260,000 $3,395,000 4.1% 2.7%
    Mortgage Research Center, LLC $1,890,000 $3,300,000 74.6% 2.6%
    Sturgis Bank & Trust Company $3,000,000 $3,225,000 7.5% 2.6%
    Flagstar Bank, FSB $725,000 $2,840,000 291.7% 2.2%
    Three Rivers Federal Credit Union $305,000 $2,315,000 659.0% 1.8%
    The Citizens National Bank of Bluffton $2,030,000 n/a 1.6%
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $670,000 $1,670,000 149.3% 1.3%
    PNC Bank $2,970,000 $1,605,000 -46.0% 1.3%
    FirstBank $1,505,000 n/a 1.2%
    MARSHALL COMMUNITY CREDIT UNION $3,530,000 $1,490,000 -57.8% 1.2%
    21ST MORTGAGE CORPORATION $1,240,000 $1,445,000 16.5% 1.1%
    LOANDEPOT.COM, LLC $285,000 $1,440,000 405.3% 1.1%
    GreenStone Farm Credit Services, FLCA $420,000 $1,370,000 226.2% 1.1%
    The Farmers & Merchants State Bank $25,000 $1,370,000 5,380.0% 1.1%
    NAVY FEDERAL CREDIT UNION $430,000 $1,250,000 190.7% 1.0%
    STAR Financial Bank $1,205,000 n/a 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $745,000 $1,190,000 59.7% 0.9%
    Fifth Third Bank $930,000 $1,115,000 19.9% 0.9%
    County National Bank $1,225,000 $1,075,000 -12.2% 0.9%
    MID AMERICA MORTGAGE, INC. $675,000 $970,000 43.7% 0.8%
    BROKER SOLUTIONS, INC. $860,000 $930,000 8.1% 0.7%
    Prosperity Home Mortgage, LLC $845,000 n/a 0.7%
    OMNI Community Credit Union $1,045,000 $785,000 -24.9% 0.6%
    Carrington Mortgage Services, LLC $1,320,000 $775,000 -41.3% 0.6%
    PENNYMAC LOAN SERVICES, LLC $815,000 $765,000 -6.1% 0.6%
    Minster Bank $755,000 n/a 0.6%
    FREEDOM MORTGAGE CORPORATION $745,000 n/a 0.6%
    Kellogg Community Credit Union $805,000 $705,000 -12.4% 0.6%
    MORTGAGE 1 INCORPORATED $175,000 $665,000 280.0% 0.5%
    The State Bank and Trust Company $195,000 $660,000 238.5% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,045,000 $655,000 -37.3% 0.5%
    ProFed Federal Credit Union $265,000 $635,000 139.6% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $450,000 $630,000 40.0% 0.5%
    Civista Bank $625,000 n/a 0.5%
    USAA Federal Savings Bank $135,000 $615,000 355.6% 0.5%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $285,000 $580,000 103.5% 0.5%
    GUARANTEED RATE, INC. $260,000 $575,000 121.2% 0.5%
    JPMorgan Chase Bank $735,000 $575,000 -21.8% 0.5%
    MORTGAGE CENTER L.C $845,000 $575,000 -32.0% 0.5%
    DEEPHAVEN MORTGAGE LLC $570,000 n/a 0.5%
    LAKE MICHIGAN CREDIT UNION $385,000 $570,000 48.1% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $440,000 $570,000 29.5% 0.5%
    Commerce Home Mortgage, Inc. $555,000 n/a 0.4%
    Northpointe Bank $380,000 $555,000 46.1% 0.4%
    GUILD MORTGAGE COMPANY $325,000 $530,000 63.1% 0.4%
    CARDINAL FINANCIAL $905,000 $515,000 -43.1% 0.4%
    First Trust Bank of Illinois $495,000 n/a 0.4%
    First Federal Bank of the Midwest $465,000 $490,000 5.4% 0.4%
    ARBOR FINANCIAL CREDIT UNION $480,000 n/a 0.4%
    CONTOUR MORTGAGE CORPORATION $475,000 n/a 0.4%
    Figure Lending LLC $150,000 $465,000 210.0% 0.4%
    Texana Bank $460,000 n/a 0.4%
    GUIDANCE RESIDENTIAL, LLC $350,000 $450,000 28.6% 0.4%
    Farmers State Bank $460,000 $440,000 -4.3% 0.3%
    Independent Bank $105,000 $430,000 309.5% 0.3%
    NEWREZ LLC $75,000 $425,000 466.7% 0.3%
    INTERRA CREDIT UNION $55,000 $420,000 663.6% 0.3%
    The Croghan Colonial Bank $405,000 n/a 0.3%
    MOVEMENT MORTGAGE, LLC $390,000 n/a 0.3%
    LAFCU $380,000 n/a 0.3%
    SUCCESS MORTGAGE PARTNERS, INC. $95,000 $350,000 268.4% 0.3%
    AMERISAVE MORTGAGE CORPORATION $335,000 n/a 0.3%
    MIDWEST AMERICA $365,000 $325,000 -11.0% 0.3%
    HALLMARK HOME MORTGAGE, LLC $310,000 n/a 0.2%
    First National Bank of America $305,000 n/a 0.2%
    Peoples Bank $305,000 n/a 0.2%
    UIF CORPORATION $550,000 $290,000 -47.3% 0.2%
    KEMBA FINANCIAL $275,000 n/a 0.2%
    LENDINGONE, LLC $640,000 $270,000 -57.8% 0.2%
    EQUITY RESOURCES, INC. $265,000 n/a 0.2%
    CREDIT UNION ONE $260,000 n/a 0.2%
    American 1 Credit Union $235,000 n/a 0.2%
    NexBank $235,000 n/a 0.2%
    Superior Credit Union, Inc. $65,000 $235,000 261.5% 0.2%
    The Federal Savings Bank $235,000 n/a 0.2%
    FORT FINANCIAL Federal Credit Union $225,000 n/a 0.2%
    UNITED $85,000 $215,000 152.9% 0.2%
    Residential Mortgage Solutions, Inc. $185,000 n/a 0.1%
    MICHIGAN MUTUAL, INC. $115,000 $175,000 52.2% 0.1%
    The Dart Bank $175,000 n/a 0.1%
    CMG MORTGAGE, INC. $170,000 n/a 0.1%
    Horizon Bank $165,000 n/a 0.1%
    Lake City Bank $165,000 n/a 0.1%
    The Loan Store, Inc. $165,000 n/a 0.1%
    Discover Bank $180,000 $160,000 -11.1% 0.1%
    Old National Bank $155,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $155,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $145,000 n/a 0.1%
    Signature Bank, N.A. $145,000 n/a 0.1%
    STAUNTON FINANCIAL, INC. $145,000 n/a 0.1%
    GENISYS $35,000 $140,000 300.0% 0.1%
    NEW DAY FINANCIAL, LLC $290,000 $135,000 -53.4% 0.1%
    UNIVERSITY OF MICHIGAN CREDIT UNION $135,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $410,000 $135,000 -67.1% 0.1%
    ADVIA $265,000 $110,000 -58.5% 0.1%
    ELGA CREDIT UNION $110,000 n/a 0.1%
    Equity Prime Mortgage LLC $115,000 $105,000 -8.7% 0.1%
    First Merchants Bank $95,000 n/a 0.1%
    Bank of America $75,000 n/a 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $75,000 n/a 0.1%
    SPRING EQ, LLC $65,000 $75,000 15.4% 0.1%
    COMMUNITY CHOICE CREDIT UNION $60,000 $55,000 -8.3% 0.0%
    GREENWOOD $55,000 n/a 0.0%
    GREENSTATE CREDIT UNION $165,000 $35,000 -78.8% 0.0%
    Meijer Credit Union $35,000 n/a 0.0%

    Coldwater's top lender by overall market share is Southern Michigan Bank & Trust, with 8.2% market share. In second place, with 8.0%, is UNION HOME MORTGAGE CORP., having originated $10,150,000 in loans. In third place, with 6.1%, is GVC MORTGAGE, INC., having originated $7,650,000 in loans. In fourth place, with 5.1%, is CONSUMERS, having originated $6,475,000 in loans. In fifth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $6,310,000 in loans.

    Coldwater Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Coldwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $129,950 (-10.9%) $209,615 (11.6%) 0.00 156
    2018-02-01 $140,650 (-5.1%) $223,001 (9.0%) 0.00 158
    2018-03-01 $149,450 (-0.3%) $211,120 (-3.6%) 0.00 152
    2018-04-01 $153,400 (2.3%) $213,727 (-4.0%) 0.00 160
    2018-05-01 $158,400 (5.7%) $213,840 (-3.7%) 0.00 166
    2018-06-01 $161,000 (7.7%) $213,599 (-0.3%) 0.00 166
    2018-07-01 $160,950 (7.4%) $212,392 (0.1%) 0.00 179
    2018-08-01 $160,825 (3.8%) $212,195 (-0.3%) 0.00 177
    2018-09-01 $152,000 (1.4%) $210,190 (-1.4%) 0.00 168
    2018-10-01 $162,200 (10.2%) $207,704 (0.3%) 0.00 160
    2018-11-01 $157,625 (6.0%) $200,284 (-5.5%) 0.00 165
    2018-12-01 $149,900 (6.5%) $193,233 (-7.1%) 0.00 167
    2019-01-01 $146,400 (12.7%) $202,817 (-3.2%) 0.00 146
    2019-02-01 $137,675 (-2.1%) $201,193 (-9.8%) 0.00 141
    2019-03-01 $142,671 (-4.5%) $201,941 (-4.4%) 0.00 132
    2019-04-01 $149,084 (-2.8%) $204,809 (-4.2%) 0.00 133
    2019-05-01 $160,225 (1.2%) $222,805 (4.2%) 0.00 131
    2019-06-01 $159,900 (-0.7%) $223,954 (4.9%) 0.00 158
    2019-07-01 $156,625 (-2.7%) $217,516 (2.4%) 0.00 164
    2019-08-01 $148,564 (-7.6%) $210,365 (-0.9%) 0.00 165
    2019-09-01 $146,559 (-3.6%) $208,875 (-0.6%) 0.00 166
    2019-10-01 $144,975 (-10.6%) $205,583 (-1.0%) 0.00 165
    2019-11-01 $139,900 (-11.3%) $199,273 (-0.5%) 0.00 161
    2019-12-01 $138,613 (-7.5%) $205,432 (6.3%) 0.00 161
    2020-01-01 $139,450 (-4.8%) $206,607 (1.9%) 0.00 163
    2020-02-01 $139,900 (1.6%) $211,958 (5.4%) 0.00 169
    2020-03-01 $149,000 (4.4%) $225,414 (11.6%) 0.00 158
    2020-04-01 $146,000 (-2.1%) $237,143 (15.8%) 0.00 144
    2020-05-01 $156,500 (-2.3%) $248,078 (11.3%) 0.00 139
    2020-06-01 $149,800 (-6.3%) $249,355 (11.3%) 0.00 119
    2020-07-01 $161,150 (2.9%) $256,894 (18.1%) 0.00 112
    2020-08-01 $159,900 (7.6%) $270,220 (28.5%) 0.00 93
    2020-09-01 $159,900 (9.1%) $286,437 (37.1%) 0.00 81
    2020-10-01 $179,900 (24.1%) $278,581 (35.5%) 0.00 79
    2020-11-01 $179,900 (28.6%) $274,698 (37.9%) 0.00 79
    2020-12-01 $179,900 (29.8%) $274,044 (33.4%) 0.00 87
    2021-01-01 $159,900 (14.7%) $267,224 (29.3%) 0.00 82
    2021-02-01 $174,900 (25.0%) $293,856 (38.6%) 0.00 65
    2021-03-01 $197,425 (32.5%) $314,868 (39.7%) 0.00 54
    2021-04-01 $179,450 (22.9%) $319,652 (34.8%) 0.00 42
    2021-05-01 $179,500 (14.7%) $299,847 (20.9%) 0.00 45
    2021-06-01 $182,500 (21.8%) $303,049 (21.5%) 0.00 58
    2021-07-01 $177,000 (9.8%) $300,735 (17.1%) 0.00 60
    2021-08-01 $177,875 (11.2%) $304,801 (12.8%) 0.00 64
    2021-09-01 $168,600 (5.4%) $267,710 (-6.5%) 0.00 66
    2021-10-01 $179,000 (-0.5%) $303,323 (8.9%) 0.00 65
    2021-11-01 $193,700 (7.7%) $297,918 (8.5%) 0.00 71
    2021-12-01 $199,000 (10.6%) $302,006 (10.2%) 0.00 65
    2022-01-01 $199,000 (24.5%) $297,545 (11.4%) 0.00 56
    2022-02-01 $208,675 (19.3%) $310,779 (5.8%) 0.00 51
    2022-03-01 $203,450 (3.1%) $283,048 (-10.1%) 0.00 44
    2022-04-01 $204,950 (14.2%) $299,089 (-6.4%) 0.00 49
    2022-05-01 $231,950 (29.2%) $305,563 (1.9%) 0.00 68
    2022-06-01 $266,950 (46.3%) $323,919 (6.9%) 0.00 78
    2022-07-01 $239,900 (35.5%) $314,394 (4.5%) 0.00 102
    2022-08-01 $238,425 (34.0%) $321,617 (5.5%) 0.00 108
    2022-09-01 $239,675 (42.2%) $322,903 (20.6%) 0.00 110
    2022-10-01 $234,900 (31.2%) $326,754 (7.7%) 0.00 105
    2022-11-01 $238,675 (23.2%) $326,518 (9.6%) 0.00 98
    2022-12-01 $229,900 (15.5%) $318,975 (5.6%) 0.00 83
    2023-01-01 $229,675 (15.4%) $303,539 (2.0%) 0.00 84
    2023-02-01 $227,975 (9.3%) $312,571 (0.6%) 0.00 82
    2023-03-01 $234,900 (15.5%) $347,630 (22.8%) 0.00 77
    2023-04-01 $240,000 (17.1%) $350,829 (17.3%) 0.00 70
    2023-05-01 $249,000 (7.4%) $333,771 (9.2%) 0.00 70
    2023-06-01 $288,638 (8.1%) $339,468 (4.8%) 0.00 70
    2023-07-01 $281,950 (17.5%) $319,413 (1.6%) 0.00 71
    2023-08-01 $286,175 (20.0%) $324,034 (0.8%) 0.00 78
    2023-09-01 $259,900 (8.4%) $330,173 (2.3%) 0.00 76
    2023-10-01 $247,450 (5.3%) $325,106 (-0.5%) 0.00 86
    2023-11-01 $236,725 (-0.8%) $305,127 (-6.6%) 0.00 76
    2023-12-01 $239,000 (4.0%) $299,271 (-6.2%) 0.00 78
    2024-01-01 $269,900 (17.5%) $315,447 (3.9%) 0.00 87
    2024-02-01 $258,675 (13.5%) $323,517 (3.5%) 0.00 97
    2024-03-01 $257,400 (9.6%) $334,171 (-3.9%) 0.00 94
    2024-04-01 $264,900 (10.4%) $361,528 (3.1%) 0.00 96
    2024-05-01 $274,950 (10.4%) $372,406 (11.6%) 0.00 97
    2024-06-01 $280,000 (-3.0%) $362,792 (6.9%) 0.00 85
    2024-07-01 $274,974 (-2.5%) $354,252 (10.9%) 0.00 94
    2024-08-01 $265,000 (-7.4%) $341,502 (5.4%) 0.00 93
    2024-09-01 $251,175 (-3.4%) $324,689 (-1.7%) 0.00 101
    2024-10-01 $245,950 (-0.6%) $312,384 (-3.9%) 0.00 110
    2024-11-01 $239,900 (1.3%) $302,379 (-0.9%) 0.00 112
    2024-12-01 $229,175 (-4.1%) $277,982 (-7.1%) 0.00 117
    2025-01-01 $230,950 (-14.4%) $281,213 (-10.9%) 0.00 106
    2025-02-01 $221,450 (-14.4%) $281,936 (-12.9%) 0.00 102
    2025-03-01 $227,450 (-11.6%) $303,478 (-9.2%) 0.00 100
    Coldwater's median listing price for 2025-03-01 was $227,450, a difference of $-29,950 (-11.6%) versus the prior year and $6,000 versus the prior month.

    Coldwater's median listing price comes in at 0% of the national average.

    Coldwater's average listing price for 2025-03-01 was $303,478, a difference of $-30,693 (-9.2%) versus the prior year and $21,542 versus the prior month.

    For the 2025-03-01 period, Coldwater had 100 MLS listings, a difference of -2 listings (-2%) versus the prior month and 6 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Coldwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,590 sqft
    2018-02-01 0 days 1,590 sqft
    2018-03-01 0 days 1,600 sqft
    2018-04-01 0 days 1,591 sqft
    2018-05-01 0 days 1,582 sqft
    2018-06-01 0 days 1,560 sqft
    2018-07-01 0 days 1,600 sqft
    2018-08-01 0 days 1,603 sqft
    2018-09-01 0 days 1,600 sqft
    2018-10-01 0 days 1,600 sqft
    2018-11-01 0 days 1,600 sqft
    2018-12-01 0 days 1,587 sqft
    2019-01-01 0 days 1,616 sqft
    2019-02-01 0 days 1,605 sqft
    2019-03-01 0 days 1,597 sqft
    2019-04-01 0 days 1,600 sqft
    2019-05-01 0 days 1,632 sqft
    2019-06-01 0 days 1,600 sqft
    2019-07-01 0 days 1,624 sqft
    2019-08-01 0 days 1,601 sqft
    2019-09-01 0 days 1,650 sqft
    2019-10-01 0 days 1,683 sqft
    2019-11-01 0 days 1,688 sqft
    2019-12-01 0 days 1,670 sqft
    2020-01-01 0 days 1,688 sqft
    2020-02-01 0 days 1,664 sqft
    2020-03-01 0 days 1,682 sqft
    2020-04-01 0 days 1,679 sqft
    2020-05-01 0 days 1,672 sqft
    2020-06-01 0 days 1,600 sqft
    2020-07-01 0 days 1,650 sqft
    2020-08-01 0 days 1,706 sqft
    2020-09-01 0 days 1,759 sqft
    2020-10-01 0 days 1,693 sqft
    2020-11-01 0 days 1,640 sqft
    2020-12-01 0 days 1,646 sqft
    2021-01-01 0 days 1,546 sqft
    2021-02-01 0 days 1,682 sqft
    2021-03-01 0 days 1,659 sqft
    2021-04-01 0 days 1,581 sqft
    2021-05-01 0 days 1,530 sqft
    2021-06-01 0 days 1,584 sqft
    2021-07-01 0 days 1,526 sqft
    2021-08-01 0 days 1,765 sqft
    2021-09-01 0 days 1,630 sqft
    2021-10-01 0 days 1,743 sqft
    2021-11-01 0 days 1,813 sqft
    2021-12-01 0 days 1,800 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,855 sqft
    2022-03-01 0 days 1,831 sqft
    2022-04-01 0 days 1,726 sqft
    2022-05-01 0 days 1,805 sqft
    2022-06-01 0 days 1,971 sqft
    2022-07-01 0 days 1,826 sqft
    2022-08-01 0 days 1,697 sqft
    2022-09-01 0 days 1,839 sqft
    2022-10-01 0 days 1,876 sqft
    2022-11-01 0 days 1,869 sqft
    2022-12-01 0 days 1,760 sqft
    2023-01-01 0 days 1,800 sqft
    2023-02-01 0 days 1,800 sqft
    2023-03-01 0 days 1,831 sqft
    2023-04-01 0 days 1,800 sqft
    2023-05-01 0 days 1,782 sqft
    2023-06-01 0 days 1,774 sqft
    2023-07-01 0 days 1,586 sqft
    2023-08-01 0 days 1,601 sqft
    2023-09-01 0 days 1,600 sqft
    2023-10-01 0 days 1,570 sqft
    2023-11-01 0 days 1,526 sqft
    2023-12-01 0 days 1,570 sqft
    2024-01-01 0 days 1,723 sqft
    2024-02-01 0 days 1,617 sqft
    2024-03-01 0 days 1,685 sqft
    2024-04-01 0 days 1,711 sqft
    2024-05-01 0 days 1,845 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,714 sqft
    2024-08-01 0 days 1,728 sqft
    2024-09-01 0 days 1,668 sqft
    2024-10-01 0 days 1,595 sqft
    2024-11-01 0 days 1,600 sqft
    2024-12-01 0 days 1,595 sqft
    2025-01-01 0 days 1,565 sqft
    2025-02-01 0 days 1,561 sqft
    2025-03-01 0 days 1,593 sqft
    Coldwater's median listing age (time on market) for 2025-03-01 was 0 days.

    Coldwater's median square footage for active listings during the 2025-03-01 period was 1,593 sqft. One year prior, the average listing was 1,685 sqft.

    Coldwater, MI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 405 $84,895,000 $209,617
    Cash Out Refi 128 $16,780,000 $131,094
    Other 90 $6,460,000 $71,778
    Refi 89 $11,755,000 $132,079
    Home Improvement 80 $5,820,000 $72,750
    NA 1 $555,000 $555,000

    Coldwater's most frequently cited loan purpose was Home Purchase, with 405 originations. The 2nd most popular reason was Cash Out Refi, with 128 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 260 $50,410,000 $193,885
    Over 8% 168 $15,110,000 $89,940
    7-8% 150 $29,740,000 $198,267
    5-6% 80 $14,100,000 $176,250
    4-5% 4 $840,000 $210,000
    <2.5% 3 $35,000 $11,667
    3-4% 2 $250,000 $125,000

    During 2024, Coldwater's most frequently originated rate bucket was 6-7%, with 260 originations.

    Loan Sizing (Coldwater, MI MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 316 $16,760,000 $53,038
    $100k-200k 267 $39,415,000 $147,622
    $200k-400k 163 $44,335,000 $271,994
    $400k-600k 35 $16,395,000 $468,429
    $600k-1000k 11 $7,855,000 $714,091
    $Over $1MM 1 $1,505,000 $1,505,000

    Coldwater's loan sizing saw the bucket of loans from $100,000 or less with 316 originations, totaling $16,760,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 269 $52,655,000 $195,743
    60-80% 127 $29,615,000 $233,189
    20-40% 106 $9,350,000 $88,208
    Under 20% 85 $3,565,000 $41,941
    40-60% 67 $10,175,000 $151,866
    Over 100% 10 $2,570,000 $257,000

    Coldwater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 269 originations, totaling $52,655,000 in origination value.