FLINT Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Flint averaged 7.31% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

The average rate for the prior week (2023-11-22) was 7.08% and one month ago for the week of 2023-10-26, the average rate was 7.98%.

Flint's average rate one year ago was 6.67%.

For refis of the same type during the week of 2023-11-30, the average rate was 6.1%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-30 7.22%
Flint 30 Year Fixed Rate 2023-11-30 7.31%
Flint 30 Year Fixed Rate Refi 2023-11-30 6.1%
Flint 15 Year Fixed Rate 2023-11-30 7.56%
Flint 15 Year Fixed Rate Refi 2023-11-30 6.13%
Flint 30 Year FHA 2023-11-30 6.63%
Flint 30 Year FHA Refi 2023-11-30 5.58%
Flint 30 Year USDA 2023-11-30 6.67%
Flint 30 Year USDA Refi 2023-11-30 7.1%
Flint 30 Year VA 2023-11-30 6.87%
Flint 30 Year VA Refi 2023-11-30 6.87%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within FLINT, MI.

FLINT 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 FLINT, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 422 5.07% $5,269
J. VIRGIL, INC. 302 5.47% $5,064
UNITED WHOLESALE MORTGAGE, LLC 269 5.26% $4,604
Preston Home Loans Inc 166 5.20% $4,391
JPMorgan Chase Bank 148 5.16% $2,560
Dort Financial Credit Union 139 4.39% $2,602
The State Bank 123 4.60% $2,931
MORTGAGE 1 INCORPORATED 87 5.23% $4,464
MID AMERICA MORTGAGE, INC. 87 5.32% $3,864
Flagstar Bank, FSB 81 5.32% $3,377
The Huntington National Bank 80 4.66% $3,730
CALIBER HOME LOANS, INC. 75 5.01% $4,501
GENISYS 72 4.90% $2,679
LAKE MICHIGAN CREDIT UNION 64 4.77% $3,553
Sunflower Bank 58 5.04% $3,521
LEGEND LENDING CORPORATION 52 6.44% $4,321
GUARANTEED RATE, INC. 51 5.11% $3,776
First State Bank 48 5.26% $3,364
Frankenmuth Credit Union 47 5.23% $1,903
FINANCIAL PLUS CREDIT UNION 47 4.90% $3,813
Mr. Cooper ( Nationstar Mortgage ) 41 4.82% $6,315
Fifth Third Bank 38 4.89% $3,475
UNION HOME MORTGAGE CORP. 36 5.64% $4,193
STAUNTON FINANCIAL, INC. 36 4.93% $3,480
TOWNE MORTGAGE COMPANY 34 4.97% $4,435
ROSS MORTGAGE CORPORATION 34 5.46% $4,235
SUCCESS MORTGAGE PARTNERS, INC. 33 4.92% $6,061
LOANDEPOT.COM, LLC 33 4.31% $5,268
CROSSCOUNTRY MORTGAGE, LLC 32 5.37% $5,225
MICHIGAN MUTUAL, INC. 27 5.30% $4,270
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 24 5.39% $4,656
PLAZA HOME MORTGAGE, INC. 24 5.29% $5,032
ELGA CREDIT UNION 23 4.54% $3,372
Wells Fargo Bank 23 4.93% $3,893
BLG HOLDINGS, INC. 23 5.39% $4,529
HOME POINT FINANCIAL CORPORATION 22 5.23% $4,272
Independent Bank 22 4.80% $3,455
DAS Acquisition Company, LLC 21 5.90% $5,229
First Merchants Bank 20 4.10% $3,457
ACADEMY MORTGAGE CORPORATION 20 5.46% $5,334
SECURITY CREDIT UNION 19 4.93% $2,075
FREEDOM MORTGAGE CORPORATION 19 4.77% $5,070
Citizens Bank 18 4.57% $3,704
U.S. Bank 17 5.02% $3,005
AMERISAVE MORTGAGE CORPORATION 17 4.73% $6,109
NEWREZ LLC 16 4.94% $4,762
PENNYMAC LOAN SERVICES, LLC 16 4.62% $5,263
CARDINAL FINANCIAL 15 4.73% $5,189
PNC Bank 14 5.23% $3,368
ChoiceOne Bank 12 5.24% $3,079
BETTER MORTGAGE CORPORATION 12 4.05% $3,831
Carrington Mortgage Services, LLC 12 5.17% $4,917
TEAM ONE CREDIT UNION 11 4.76% $519
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 4.85% $3,844
INSPIRE HOME LOANS INC. 11 5.36% $6,234
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 11 4.89% $3,266
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 11 4.72% $3,796
Bank of America 10 3.93% $3,344
LAKEVIEW LOAN SERVICING, LLC 10 5.26% $4,421
UNIVERSITY OF MICHIGAN CREDIT UNION 10 4.85% $2,583
ROYAL UNITED MORTGAGE LLC 10 5.64% $6,832
NAVY FEDERAL CREDIT UNION 9 5.60% $3,952
Ally Bank 9 4.65% $3,419
ENVOY MORTGAGE, LTD 9 5.85% $4,210
MORTGAGE CENTER L.C 9 4.44% $2,913
BROKER SOLUTIONS, INC. 8 4.59% $5,334
EVERETT FINANCIAL, INC. 7 5.09% $1,903
MICHIGAN FIRST CREDIT UNION 7 4.41% $3,941
MOVEMENT MORTGAGE, LLC 7 5.04% $3,337
AMERIFIRST FINANCIAL CORPORATION 7 5.34% $4,384
CHURCHILL MORTGAGE CORPORATION 6 5.12% $4,390
GreenStone Farm Credit Services, FLCA 6 5.55% $6,606
MEMBER FIRST MORTGAGE, LLC 5 5.65% $2,765
COMMUNITY FINANCIAL CREDIT UNION 5 5.03% $3,044
DFCU FINANCIAL 5 4.75% $3,764
MUTUAL OF OMAHA MORTGAGE, INC. 5 5.42% $5,377
PREMIA MORTGAGE, LLC 5 4.94% $1,113
Mortgage Research Center, LLC 5 5.20% $3,852
The Dart Bank 5 5.32% $2,988
PFCU 5 4.95% $2,563
AmeriHome Mortgage Company, LLC 5 5.67% $6,546
Platinum Home Mortgage Corporation 5 4.80% $3,787
DOW CHEMICAL EMPLOYEES' 4 6.31% $5,354
Comerica Bank 4 5.63% $4,131
CREDIT UNION ONE 4 5.16% $1,801
DEEPHAVEN MORTGAGE LLC 4 7.28% $9,693
Hometown Lenders, Inc. 4 5.19% $4,303
MICHIGAN SCHOOLS AND GOVERNMENT 4 4.47% $3,329
THE ANDERSON FINANCIAL GROUP, INC. 4 4.81% $3,054
UNITED FINANCIAL Credit Union 4 4.94% $2,803
Northpointe Bank 3 5.29% $3,987
SUMMIT FUNDING, INC. 3 4.33% $6,408
RUOFF MORTGAGE COMPANY, INC. 3 5.13% $4,421
NATIONWIDE MORTGAGE BANKERS, INC. 3 5.58% $9,402
CORNERSTONE HOME LENDING, INC. 3 5.88% $6,579
Bank of Ann Arbor 3 5.00% $3,040
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 6.17% $7,402
M&T Bank 3 4.63% $3,361
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.46% $3,585
Prosperity Home Mortgage, LLC 3 4.13% $9,307
Michigan Educational Credit Union 3 5.29% $3,483
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 4.46% $5,678
HOMESIDE FINANCIAL, LLC 3 3.71% $6,094
STOCKTON MORTGAGE CORPORATION 3 5.29% $5,384
First Guaranty Mortgage Corporation 3 3.63% $6,287
Associated Bank 2 5.25% $4,450
Arvest Bank 2 4.69% $5,066
PLANET HOME LENDING, LLC 2 3.38% $1,491
Mercantile Bank of Michigan 2 5.50% $2,726
UIF CORPORATION 2 5.69% $3,555
ANGEL OAK HOME LOANS LLC 2 6.75% $4,650
ZILLOW HOME LOANS, LLC 2 4.19% $3,380
NATIONS RELIABLE LENDING, LLC 2 4.44% $5,071
UNIVERSITY LENDING GROUP, LLC 2 4.75% $4,327
CMG MORTGAGE, INC. 2 6.25% $5,038
Discover Bank 2 6.12% $0
VAN DYK MORTGAGE CORPORATION 2 4.69% $3,650
VIBE CREDIT UNION 2 4.31% $2,524
Wildfire Credit Union 2 4.44% $2,167
GUARANTY HOME MORTGAGE CORPORATION 2 5.50% $2,944
First National Bank of America 2 8.88% $6,187
Luxury Mortgage Corp. 2 4.06% $8,511
KELLER MORTGAGE, LLC 2 4.69% $3,443
EMM LOANS LLC 2 3.68% $6,798
HEALTH ADVANTAGE FEDERAL CREDIT UNION 2 6.13% $2,448
Sierra Pacific Mortgage Company, Inc. 2 4.13% $3,363
Old National Bank 2 4.44% $3,035
Paramount Residential Mortgage Group, Inc. 2 4.56% $7,564
St James Mortgage Corporation 2 4.63% $1,137
1st State Financial, Ltd. 2 4.00% $1,885
MY MORTGAGE, INC. 2 4.81% $9,709
Wyndham Capital Mortgage, Inc. 2 5.56% $3,896
NATIONS DIRECT MORTGAGE, LLC 2 5.50% $8,153
Plains Commerce Bank 2 5.50% $3,207
PURDUE FEDERAL CREDIT UNION 1 3.88% $2,944
Citibank 1 5.38% $4,151
Horizon Bank 1 5.63% $2,838
RELIANCE FIRST CAPITAL, LLC 1 5.75% $5,583
RESIDENTIAL BANCORP 1 9.00% $8,809
Chicago Mortgage Solutions LLC 1 4.13% $2,530
CHERRY CREEK MORTGAGE, LLC 1 6.50% $540
CALCON MUTUAL MORTGAGE LLC 1 5.50% $1,501
SIRVA MORTGAGE, INC. 1 5.63% $0
BNC National Bank 1 5.50% $3,095
Stifel Bank and Trust 1 2.63% $1,950
Barrington Bank & Trust Company, N.A. 1 4.88% $6,751
Bank of England 1 6.50% $3,801
T2 FINANCIAL LLC 1 5.13% $4,275
The Central Trust Bank 1 6.25% $7,913
Auto Club Trust, FSB 1 4.13% $2,420
TOP FLITE FINANCIAL, INC. 1 5.25% $5,265
Town & Country Banc Mortgage Services 1 7.35% $2,112
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.63% $3,859
AMERICAN FINANCING CORPORATION 1 4.13% $6,436
USAA Federal Savings Bank 1 5.00% $3,262
ALLIANCE CATHOLIC CREDIT UNION 1 5.50% $4,681
Wanigas Credit Union 1 5.88% $3,111
Watermark Capital, Inc. 1 5.00% $4,264
Academy Bank 1 5.25% $5,746
HONDA Federal Credit Union 1 3.88% $2,905
Regions Bank 1 6.25% $7,742
GUILD MORTGAGE COMPANY 1 6.99% $5,328
GUIDANCE RESIDENTIAL, LLC 1 3.75% $3,616
KeyBank 1 4.00% $3,195
LAFCU 1 5.88% $3,272
Florida Capital Bank 1 4.88% $3,047
Lakeview Community Capital, LLC 1 3.75% $4,304
First State Bank of St. Charles, Missouri 1 3.38% $3,055
First Savings Bank 1 3.50% $2,084
Lend Smart Mortgage, LLC 1 7.13% $6,132
Lincoln FSB of Nebraska 1 6.88% $5,109
First Internet Bank of Indiana 1 5.00% $7,192
MEMBERS FIRST Credit Union 1 3.38% $2,699
First Home Bank 1 7.13% $6,682
MICHIGAN ONE COMMUNITY Credit Union 1 7.13% $2,651
WINGS FINANCIAL 1 5.50% $2,449
FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $6,901
FIRST CENTENNIAL MORTGAGE CORPORATION 1 5.38% $4,670
Midland States Bank 1 6.13% $3,692
Morgan Stanley Private Bank 1 3.75% $3,102
MORIA DEVELOPMENT, INC. 1 3.99% $4,689
FINANCE OF AMERICA MORTGAGE LLC 1 5.88% $5,586
MORTGAGE ACCESS CORP. 1 3.99% $6,048
Figure Lending LLC 1 3.63% $1,325
EVANSVILLE TEACHERS 1 4.13% $2,430
DRAPER AND KRAMER MORTGAGE CORP. 1 4.99% $2,769
Nations Lending Corporation 1 4.99% $11,034
NBKC BANK 1 6.13% $3,434
Neighborhood Loans, Inc. 1 7.50% $4,730
NETWORK CAPITAL FUNDING CORPORATION 1 3.63% $6,441
DIGITAL Federal Credit Union 1 4.25% $2,648
NexBank 1 6.75% $8,840
NEXERA HOLDING LLC 1 5.88% $7,217
North American Savings Bank, F.S.B. 1 4.13% $5,883
NP, Inc. 1 9.37% $13,094
OAK MORTGAGE, LLC 1 6.00% $2,919
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 5.00% $3,121
PENTAGON FEDERAL CREDIT UNION 1 2.88% $1,845
PHH Mortgage Corporation 1 5.88% $4,071
COMPASS MORTGAGE, INC. 1 5.63% $3,194
COMMUNITY MORTGAGE FUNDING, LLC 1 4.88% $3,500
Commerce Home Mortgage, Inc. 1 7.25% $11,606
CLEARPATH LENDING 1 5.63% $4,874
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.88% $3,870

FLINT Average Closing Costs & Other Stats

FLINT, MI's 204 lenders originated 9,856 loans during 2022. The total origination value was $1,632,530,000, with an average loan value of $165,638.

FLINT's average closing costs are $4,222.

The top FLINT lender as defined by loan originations is QUICKEN LOANS, LLC, with 422 loans originated. Their average total fees are $5,269, which is $206 higher than the next largest lender, J. VIRGIL, INC..

The lowest fee FLINT lenders (with over 10 loans originated) are TEAM ONE CREDIT UNION ($519), Frankenmuth Credit Union ($1,903), SECURITY CREDIT UNION ($2,075), JPMorgan Chase Bank ($2,560) and UNIVERSITY OF MICHIGAN CREDIT UNION ($2,583).

The lowest rate FLINT lenders (with over 10 loans originated) are Bank of America (3.93%), BETTER MORTGAGE CORPORATION (4.05%), First Merchants Bank (4.10%), LOANDEPOT.COM, LLC (4.31%) and Dort Financial Credit Union (4.39%).

FLINT, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
QUICKEN LOANS, LLC $358,845,000 $153,095,000 -57.3% 9.4%
UNITED WHOLESALE MORTGAGE, LLC $168,140,000 $93,960,000 -44.1% 5.8%
J. VIRGIL, INC. $161,890,000 $89,585,000 -44.7% 5.5%
The State Bank $116,590,000 $67,595,000 -42.0% 4.1%
Preston Home Loans Inc $75,065,000 $60,370,000 -19.6% 3.7%
The Huntington National Bank $89,585,000 $59,005,000 -34.1% 3.6%
Dort Financial Credit Union $62,760,000 $54,155,000 -13.7% 3.3%
MID AMERICA MORTGAGE, INC. $110,560,000 $52,640,000 -52.4% 3.2%
ELGA CREDIT UNION $67,920,000 $45,590,000 -32.9% 2.8%
Wintrust Bank, N.A. $40,005,000 n/a 2.5%
LAKE MICHIGAN CREDIT UNION $52,065,000 $36,890,000 -29.1% 2.3%
JPMorgan Chase Bank $64,940,000 $34,810,000 -46.4% 2.1%
Flagstar Bank, FSB $46,735,000 $29,905,000 -36.0% 1.8%
GENISYS $41,760,000 $27,590,000 -33.9% 1.7%
MORTGAGE 1 INCORPORATED $48,335,000 $25,630,000 -47.0% 1.6%
CALIBER HOME LOANS, INC. $48,775,000 $24,605,000 -49.6% 1.5%
Mortgage Research Center, LLC $20,895,000 $20,720,000 -0.8% 1.3%
Arbor Realty Trust, Inc. $20,505,000 n/a 1.3%
FINANCIAL PLUS CREDIT UNION $46,555,000 $20,405,000 -56.2% 1.2%
GREYSTONE SERVICING COMPANY LLC $7,045,000 $20,005,000 184.0% 1.2%
GUARANTEED RATE, INC. $29,295,000 $19,085,000 -34.9% 1.2%
Fifth Third Bank $40,975,000 $18,790,000 -54.1% 1.2%
LEGEND LENDING CORPORATION $18,450,000 n/a 1.1%
Sunflower Bank $54,710,000 $15,785,000 -71.1% 1.0%
First State Bank $3,190,000 $14,365,000 350.3% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $36,225,000 $14,125,000 -61.0% 0.9%
FREEDOM MORTGAGE CORPORATION $52,220,000 $13,320,000 -74.5% 0.8%
Independent Bank $23,745,000 $13,060,000 -45.0% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $18,100,000 $13,055,000 -27.9% 0.8%
READYCAP COMMERCIAL, LLC $13,010,000 n/a 0.8%
STAUNTON FINANCIAL, INC. $11,235,000 $12,955,000 15.3% 0.8%
First Merchants Bank $12,600,000 n/a 0.8%
SUCCESS MORTGAGE PARTNERS, INC. $27,920,000 $11,965,000 -57.1% 0.7%
Frankenmuth Credit Union $21,815,000 $11,580,000 -46.9% 0.7%
ROSS MORTGAGE CORPORATION $24,920,000 $11,355,000 -54.4% 0.7%
TOWNE MORTGAGE COMPANY $25,365,000 $11,220,000 -55.8% 0.7%
PNC Bank $9,845,000 $10,615,000 7.8% 0.7%
LOANDEPOT.COM, LLC $27,050,000 $10,425,000 -61.5% 0.6%
Regions Bank $10,365,000 n/a 0.6%
Citizens Bank $15,400,000 $10,070,000 -34.6% 0.6%
TRIAD FINANCIAL SERVICES, INC. $6,500,000 $10,055,000 54.7% 0.6%
UNION HOME MORTGAGE CORP. $29,905,000 $9,540,000 -68.1% 0.6%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $12,910,000 $9,185,000 -28.9% 0.6%
PENNYMAC LOAN SERVICES, LLC $20,290,000 $9,165,000 -54.8% 0.6%
Wells Fargo Bank $16,505,000 $8,925,000 -45.9% 0.5%
HOME POINT FINANCIAL CORPORATION $13,950,000 $8,785,000 -37.0% 0.5%
Capital One $11,435,000 $8,635,000 -24.5% 0.5%
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $9,670,000 $8,000,000 -17.3% 0.5%
PLAZA HOME MORTGAGE, INC. $14,635,000 $7,770,000 -46.9% 0.5%
Merchants Bank of Indiana $7,670,000 n/a 0.5%
NEWREZ LLC $23,380,000 $7,460,000 -68.1% 0.5%
DAS Acquisition Company, LLC $4,525,000 $7,175,000 58.6% 0.4%
CREDIT UNION ONE $2,890,000 $7,165,000 147.9% 0.4%
MICHIGAN MUTUAL, INC. $10,935,000 $7,035,000 -35.7% 0.4%
ACADEMY MORTGAGE CORPORATION $10,815,000 $6,735,000 -37.7% 0.4%
ORIX REAL ESTATE CAPITAL, LLC $6,705,000 n/a 0.4%
SECURITY CREDIT UNION $9,435,000 $6,695,000 -29.0% 0.4%
NAVY FEDERAL CREDIT UNION $6,615,000 $6,410,000 -3.1% 0.4%
GreenStone Farm Credit Services, FLCA $5,495,000 $6,395,000 16.4% 0.4%
AMERISAVE MORTGAGE CORPORATION $19,945,000 $6,375,000 -68.0% 0.4%
Bank of America $9,170,000 $6,315,000 -31.1% 0.4%
LAKEVIEW LOAN SERVICING, LLC $14,510,000 $6,055,000 -58.3% 0.4%
SOVITA Credit Union $3,400,000 $5,775,000 69.9% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $11,995,000 $5,765,000 -51.9% 0.4%
BLG HOLDINGS, INC. $22,390,000 $5,750,000 -74.3% 0.4%
TEAM ONE CREDIT UNION $4,410,000 $5,400,000 22.4% 0.3%
INSPIRE HOME LOANS INC. $11,585,000 $4,985,000 -57.0% 0.3%
U.S. Bank $9,575,000 $4,885,000 -49.0% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,690,000 $4,350,000 -35.0% 0.3%
Carrington Mortgage Services, LLC $7,450,000 $4,345,000 -41.7% 0.3%
NEW DAY FINANCIAL, LLC $5,330,000 $4,080,000 -23.5% 0.2%
ChoiceOne Bank $6,065,000 $3,775,000 -37.8% 0.2%
BROKER SOLUTIONS, INC. $11,325,000 $3,730,000 -67.1% 0.2%
Platinum Home Mortgage Corporation $9,065,000 $3,620,000 -60.1% 0.2%
The Dart Bank $5,365,000 $3,435,000 -36.0% 0.2%
BETTER MORTGAGE CORPORATION $6,660,000 $3,250,000 -51.2% 0.2%
EVERETT FINANCIAL, INC. $2,410,000 $3,045,000 26.3% 0.2%
Horizon Bank $800,000 $2,970,000 271.3% 0.2%
MICHIGAN SCHOOLS AND GOVERNMENT $9,425,000 $2,910,000 -69.1% 0.2%
UNIVERSITY OF MICHIGAN CREDIT UNION $940,000 $2,775,000 195.2% 0.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $9,375,000 $2,615,000 -72.1% 0.2%
COMMUNITY FINANCIAL CREDIT UNION $1,520,000 $2,595,000 70.7% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $1,965,000 $2,510,000 27.7% 0.2%
Ally Bank $2,005,000 $2,380,000 18.7% 0.1%
MORTGAGE CENTER L.C $5,685,000 $2,355,000 -58.6% 0.1%
USAA Federal Savings Bank $3,365,000 $2,270,000 -32.5% 0.1%
Tri-County Bank $205,000 $2,225,000 985.4% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,870,000 $2,200,000 17.6% 0.1%
NATIONS DIRECT MORTGAGE, LLC $1,320,000 $2,175,000 64.8% 0.1%
MOVEMENT MORTGAGE, LLC $960,000 $2,125,000 121.4% 0.1%
21ST MORTGAGE CORPORATION $1,035,000 $2,110,000 103.9% 0.1%
Figure Lending LLC $1,185,000 $2,110,000 78.1% 0.1%
BM Real Estate Services, Inc. $2,270,000 $2,095,000 -7.7% 0.1%
LIMA ONE CAPITAL, LLC $2,090,000 n/a 0.1%
ENVOY MORTGAGE, LTD $2,475,000 $2,020,000 -18.4% 0.1%
Prosperity Home Mortgage, LLC $990,000 $1,845,000 86.4% 0.1%
CMG MORTGAGE, INC. $980,000 $1,825,000 86.2% 0.1%
Hometown Lenders, Inc. $545,000 $1,805,000 231.2% 0.1%
AMERIFIRST FINANCIAL CORPORATION $4,965,000 $1,800,000 -63.7% 0.1%
MICHIGAN FIRST CREDIT UNION $4,165,000 $1,790,000 -57.0% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,640,000 $1,665,000 -54.3% 0.1%
CASE $1,980,000 $1,655,000 -16.4% 0.1%
PFCU $2,050,000 $1,640,000 -20.0% 0.1%
ROYAL UNITED MORTGAGE LLC $3,450,000 $1,620,000 -53.0% 0.1%
Comerica Bank $1,380,000 $1,615,000 17.0% 0.1%
PREMIA MORTGAGE, LLC $3,495,000 $1,540,000 -55.9% 0.1%
HOMESIDE FINANCIAL, LLC $3,180,000 $1,525,000 -52.0% 0.1%
DOW CHEMICAL EMPLOYEES' $1,070,000 $1,510,000 41.1% 0.1%
Nations Lending Corporation $550,000 $1,495,000 171.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $3,135,000 $1,465,000 -53.3% 0.1%
Wildfire Credit Union $2,405,000 $1,410,000 -41.4% 0.1%
LENDINGHOME FUNDING CORPORATION $1,820,000 $1,385,000 -23.9% 0.1%
MEMBER FIRST MORTGAGE, LLC $1,065,000 $1,385,000 30.0% 0.1%
Old National Bank $8,810,000 $1,380,000 -84.3% 0.1%
DEEPHAVEN MORTGAGE LLC $205,000 $1,240,000 504.9% 0.1%
AmeriHome Mortgage Company, LLC $5,330,000 $1,235,000 -76.8% 0.1%
First Guaranty Mortgage Corporation $3,295,000 $1,180,000 -64.2% 0.1%
DFCU FINANCIAL $2,570,000 $1,175,000 -54.3% 0.1%
UNIVERSITY LENDING GROUP, LLC $3,650,000 $1,175,000 -67.8% 0.1%
VILLAGE CAPITAL MORTGAGE $7,120,000 $1,130,000 -84.1% 0.1%
VIBE CREDIT UNION $4,265,000 $1,115,000 -73.9% 0.1%
Northpointe Bank $2,885,000 $1,110,000 -61.5% 0.1%
UNITED FINANCIAL Credit Union $1,320,000 $1,095,000 -17.0% 0.1%
M&T Bank $2,935,000 $1,090,000 -62.9% 0.1%
PHH Mortgage Corporation $3,330,000 $1,090,000 -67.3% 0.1%
Commerce Home Mortgage, Inc. $525,000 $1,085,000 106.7% 0.1%
Equity Prime Mortgage LLC $560,000 $1,075,000 92.0% 0.1%
Discover Bank $1,310,000 $1,045,000 -20.2% 0.1%
UIF CORPORATION $970,000 $1,035,000 6.7% 0.1%
Wyndham Capital Mortgage, Inc. $950,000 $1,030,000 8.4% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $965,000 $995,000 3.1% 0.1%
Bank of Ann Arbor $6,060,000 $980,000 -83.8% 0.1%
RUOFF MORTGAGE COMPANY, INC. $7,410,000 $965,000 -87.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $695,000 $960,000 38.1% 0.1%
THE ANDERSON FINANCIAL GROUP, INC. $420,000 $960,000 128.6% 0.1%
CORNERSTONE HOME LENDING, INC. $380,000 $950,000 150.0% 0.1%
Barrington Bank & Trust Company, N.A. $2,250,000 $900,000 -60.0% 0.1%
BNC National Bank $235,000 $880,000 274.5% 0.1%
PLANET HOME LENDING, LLC $1,860,000 $880,000 -52.7% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $125,000 $835,000 568.0% 0.1%
First State Bank of St. Charles, Missouri $255,000 $820,000 221.6% 0.1%
BIRMINGHAM-BLOOMFIELD Credit Union $310,000 $790,000 154.8% 0.0%
Paramount Residential Mortgage Group, Inc. $2,620,000 $785,000 -70.0% 0.0%
County National Bank $515,000 $770,000 49.5% 0.0%
Watermark Capital, Inc. $205,000 $740,000 261.0% 0.0%
Bank of England $2,330,000 $715,000 -69.3% 0.0%
SUMMIT FUNDING, INC. $2,055,000 $705,000 -65.7% 0.0%
Magnolia Bank $580,000 $695,000 19.8% 0.0%
AMERICAN ADVISORS GROUP $330,000 $690,000 109.1% 0.0%
CLEARPATH LENDING $1,805,000 $675,000 -62.6% 0.0%
MY MORTGAGE, INC. $660,000 n/a 0.0%
Michigan Educational Credit Union $895,000 $655,000 -26.8% 0.0%
MYCUMORTGAGE, LLC $760,000 $645,000 -15.1% 0.0%
LOANPAL, LLC $290,000 $630,000 117.2% 0.0%
The Federal Savings Bank $625,000 $620,000 -0.8% 0.0%
WINGS FINANCIAL $620,000 n/a 0.0%
Associated Bank $755,000 $580,000 -23.2% 0.0%
Sierra Pacific Mortgage Company, Inc. $2,195,000 $580,000 -73.6% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $835,000 $575,000 -31.1% 0.0%
RESIDENTIAL BANCORP. $885,000 $575,000 -35.0% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $350,000 $565,000 61.4% 0.0%
EMM LOANS LLC $680,000 $550,000 -19.1% 0.0%
Luxury Mortgage Corp. $1,385,000 $550,000 -60.3% 0.0%
Arvest Bank $135,000 $545,000 303.7% 0.0%
Hometown Equity Mortgage, LLC $545,000 n/a 0.0%
1st State Financial, Ltd. $1,580,000 $530,000 -66.5% 0.0%
First Savings Bank $3,800,000 $525,000 -86.2% 0.0%
KELLER MORTGAGE, LLC $1,395,000 $525,000 -62.4% 0.0%
VAN DYK MORTGAGE CORPORATION $585,000 $525,000 -10.3% 0.0%
First Home Bank $510,000 n/a 0.0%
Mid-Continent Funding, Inc. $225,000 $510,000 126.7% 0.0%
PROPONENT Federal Credit Union $505,000 n/a 0.0%
Waterford Bank, N.A. $8,235,000 $505,000 -93.9% 0.0%
FIRST HERITAGE FINANCIAL, LLC $1,155,000 $495,000 -57.1% 0.0%
Lend Smart Mortgage, LLC $490,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,195,000 $480,000 -59.8% 0.0%
COMMUNITY CHOICE CREDIT UNION $290,000 $475,000 63.8% 0.0%
SPRING EQ, LLC $740,000 $460,000 -37.8% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $430,000 $455,000 5.8% 0.0%
First United Bank and Trust Company $455,000 n/a 0.0%
STOCKTON MORTGAGE CORPORATION $260,000 $445,000 71.2% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $3,880,000 $440,000 -88.7% 0.0%
Low VA Rates, LLC $700,000 $435,000 -37.9% 0.0%
NP, Inc. $520,000 $435,000 -16.3% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $430,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $985,000 $420,000 -57.4% 0.0%
The First National Bank of Middle Tennessee $415,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $1,050,000 $405,000 -61.4% 0.0%
FreeStar Financial Credit Union $390,000 n/a 0.0%
GENEVA FINANCIAL, LLC $560,000 $390,000 -30.4% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $290,000 $380,000 31.0% 0.0%
ALLIANCE CATHOLIC CREDIT UNION $85,000 $375,000 341.2% 0.0%
Stifel Bank and Trust $910,000 $375,000 -58.8% 0.0%
ANGEL OAK HOME LOANS LLC $450,000 $370,000 -17.8% 0.0%
Texana Bank $370,000 n/a 0.0%
Mercantile Bank of Michigan $2,565,000 $360,000 -86.0% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $355,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $715,000 $345,000 -51.7% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $205,000 $345,000 68.3% 0.0%
GREENSTATE CREDIT UNION $335,000 n/a 0.0%
Morgan Stanley Private Bank $515,000 $335,000 -35.0% 0.0%
Citibank $1,030,000 $330,000 -68.0% 0.0%
KeyBank $1,225,000 $320,000 -73.9% 0.0%
HOMESTEAD FUNDING CORP. $650,000 $315,000 -51.5% 0.0%
MORTGAGE ACCESS CORP. $315,000 n/a 0.0%
NexBank $315,000 n/a 0.0%
SIRVA MORTGAGE, INC. $315,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $235,000 $305,000 29.8% 0.0%
Peoples Bank $295,000 n/a 0.0%
ADVANTAGE ONE Credit Union $905,000 $290,000 -68.0% 0.0%
Consumers Professional Credit Union $290,000 n/a 0.0%
St James Mortgage Corporation $1,430,000 $290,000 -79.7% 0.0%
T2 FINANCIAL LLC $255,000 $290,000 13.7% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $285,000 n/a 0.0%
Lake Trust Credit Union $235,000 $285,000 21.3% 0.0%
Wanigas Credit Union $950,000 $285,000 -70.0% 0.0%
Plains Commerce Bank $450,000 $280,000 -37.8% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $290,000 $280,000 -3.4% 0.0%
ZILLOW HOME LOANS, LLC $1,560,000 $280,000 -82.1% 0.0%
AMCAP MORTGAGE, LTD. $275,000 n/a 0.0%
The Central Trust Bank $275,000 n/a 0.0%
LAFCU $210,000 $270,000 28.6% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $230,000 $270,000 17.4% 0.0%
HomePromise Corporation $265,000 n/a 0.0%
Willamette Valley Bank $265,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $185,000 $260,000 40.5% 0.0%
FAY SERVICING, LLC $255,000 n/a 0.0%
First Internet Bank of Indiana $225,000 $255,000 13.3% 0.0%
Home State Bank $255,000 n/a 0.0%
Lincoln FSB of Nebraska $255,000 n/a 0.0%
Academy Bank $245,000 n/a 0.0%
Florida Capital Bank $185,000 $245,000 32.4% 0.0%
TLC COMMUNITY Credit Union $245,000 n/a 0.0%
GSF Mortgage Corporation $315,000 $235,000 -25.4% 0.0%
HONDA Federal Credit Union $235,000 n/a 0.0%
Neighborhood Loans, Inc. $1,440,000 $235,000 -83.7% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $280,000 $235,000 -16.1% 0.0%
CIVIC FINANCIAL SERVICES, LLC $85,000 $230,000 170.6% 0.0%
DATA MORTGAGE, INC. $230,000 n/a 0.0%
HEALTH ADVANTAGE FEDERAL CREDIT UNION $235,000 $230,000 -2.1% 0.0%
NEXERA HOLDING LLC $225,000 n/a 0.0%
THRIVENT Federal Credit Union $225,000 n/a 0.0%
PURDUE FEDERAL CREDIT UNION $215,000 n/a 0.0%
University Bank $215,000 n/a 0.0%
Centier Bank $210,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $430,000 $205,000 -52.3% 0.0%
Chicago Mortgage Solutions LLC $2,045,000 $200,000 -90.2% 0.0%
FirstBank $915,000 $195,000 -78.7% 0.0%
Midland States Bank $195,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $65,000 $190,000 192.3% 0.0%
HOMESITE MORTGAGE, LLC $890,000 $185,000 -79.2% 0.0%
North American Savings Bank, F.S.B. $1,810,000 $185,000 -89.8% 0.0%
First National Bank of America $75,000 $180,000 140.0% 0.0%
JOLT CREDIT UNION $1,000,000 $180,000 -82.0% 0.0%
Lakeview Community Capital, LLC $2,470,000 $180,000 -92.7% 0.0%
NATIONS RELIABLE LENDING, LLC $635,000 $180,000 -71.7% 0.0%
SOFI LENDING CORP. $910,000 $175,000 -80.8% 0.0%
SUNRISE FAMILY CREDIT UNION $145,000 $175,000 20.7% 0.0%
DIGITAL Federal Credit Union $170,000 n/a 0.0%
EVANSVILLE TEACHERS $165,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $960,000 $165,000 -82.8% 0.0%
Town & Country Banc Mortgage Services, Inc. $165,000 n/a 0.0%
First Independence Bank $260,000 $155,000 -40.4% 0.0%
INLAND BANK & TRUST $155,000 n/a 0.0%
MEMBERS FIRST Credit Union $150,000 $155,000 3.3% 0.0%
SOUTHWEST FUNDING, LP $895,000 $155,000 -82.7% 0.0%
POLARIS HOME FUNDING CORP. $675,000 $145,000 -78.5% 0.0%
GUILD MORTGAGE COMPANY $610,000 $135,000 -77.9% 0.0%
OAK MORTGAGE, LLC $135,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $445,000 $125,000 -71.9% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $195,000 $125,000 -35.9% 0.0%
AmRes Corporation $105,000 n/a 0.0%
Auto Club Trust, FSB $410,000 $105,000 -74.4% 0.0%
NBKC BANK $910,000 $105,000 -88.5% 0.0%
TOP FLITE FINANCIAL, INC. $790,000 $105,000 -86.7% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $95,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $950,000 $95,000 -90.0% 0.0%
NUMARK CREDIT UNION $55,000 $90,000 63.6% 0.0%
COMPASS MORTGAGE, INC. $215,000 $85,000 -60.5% 0.0%
LONGBRIDGE FINANCIAL, LLC $85,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $75,000 n/a 0.0%
First Federal Bank of the Midwest $455,000 $75,000 -83.5% 0.0%
MICHIGAN ONE COMMUNITY Credit Union $75,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $480,000 $65,000 -86.5% 0.0%
Circle Federal Credit Union $65,000 n/a 0.0%
Secured Investment Corp. $65,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $55,000 n/a 0.0%
NASA Federal Credit Union $55,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $55,000 n/a 0.0%
RADIUS FINANCIAL GROUP INC. $55,000 n/a 0.0%
State Department Federal Credit Union $55,000 n/a 0.0%
UNIVERSITY CREDIT UNION $55,000 n/a 0.0%
WRIGHT-PATT CREDIT UNION, INC. $55,000 $55,000 0.0% 0.0%
Bethpage Federal Credit Union $45,000 n/a 0.0%
Lake Huron Credit Union $45,000 n/a 0.0%
United Bay Community Credit Union $55,000 $45,000 -18.2% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $45,000 $35,000 -22.2% 0.0%
ALLIANT CREDIT UNION $25,000 n/a 0.0%
Michigan Legacy Credit Union $25,000 n/a 0.0%
CONSUMERS $610,000 $15,000 -97.5% 0.0%

FLINT's top lender by overall market share is QUICKEN LOANS, LLC, with 9.4% market share. In second place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $93,960,000 in loans. In third place, with 5.5%, is J. VIRGIL, INC., having originated $89,585,000 in loans. In fourth place, with 4.1%, is The State Bank, having originated $67,595,000 in loans. In fifth place, with 3.7%, is Preston Home Loans Inc, having originated $60,370,000 in loans.

FLINT, MI Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
48411 Flint, MI $680 $800 $1,020 $1,280 $1,380
48415 Flint, MI $570 $650 $860 $1,070 $1,170
48417 Flint, MI $680 $780 $1,020 $1,270 $1,380
48418 Flint, MI $690 $800 $980 $1,310 $1,460
48420 Flint, MI $500 $600 $760 $950 $1,030
48421 Flint, MI $740 $850 $1,090 $1,380 $1,480
48423 Flint, MI $630 $740 $950 $1,210 $1,320
48429 Flint, MI $570 $580 $760 $1,010 $1,080
48430 Flint, MI $750 $900 $1,120 $1,450 $1,580
48433 Flint, MI $560 $670 $850 $1,070 $1,150
48436 Flint, MI $650 $760 $970 $1,220 $1,320
48437 Flint, MI $520 $620 $790 $1,000 $1,070
48438 Flint, MI $830 $980 $1,250 $1,580 $1,700
48439 Flint, MI $630 $740 $950 $1,210 $1,320
48442 Flint, MI $750 $870 $1,120 $1,410 $1,520
48449 Flint, MI $590 $620 $810 $1,070 $1,150
48451 Flint, MI $690 $800 $980 $1,310 $1,460
48457 Flint, MI $550 $640 $820 $1,030 $1,110
48458 Flint, MI $520 $620 $790 $1,000 $1,070
48460 Flint, MI $550 $580 $760 $990 $1,070
48462 Flint, MI $790 $910 $1,170 $1,480 $1,590
48463 Flint, MI $630 $740 $950 $1,210 $1,320
48464 Flint, MI $680 $790 $1,000 $1,270 $1,370
48473 Flint, MI $640 $760 $970 $1,220 $1,320
48480 Flint, MI $540 $640 $820 $1,030 $1,110
48501 Flint, MI $540 $640 $820 $1,030 $1,110
48502 Flint, MI $520 $610 $780 $980 $1,060
48503 Flint, MI $520 $620 $790 $1,000 $1,070
48504 Flint, MI $560 $660 $840 $1,060 $1,140
48505 Flint, MI $500 $600 $760 $960 $1,030
48506 Flint, MI $520 $620 $790 $1,000 $1,070
48507 Flint, MI $520 $620 $790 $1,000 $1,070
48509 Flint, MI $660 $780 $990 $1,250 $1,340
48519 Flint, MI $630 $750 $950 $1,200 $1,290
48529 Flint, MI $510 $610 $770 $970 $1,040
48531 Flint, MI $540 $640 $820 $1,030 $1,110
48532 Flint, MI $530 $630 $800 $1,010 $1,080
48550 Flint, MI $540 $640 $820 $1,030 $1,110
48551 Flint, MI $540 $640 $820 $1,030 $1,110
48553 Flint, MI $540 $640 $820 $1,030 $1,110
48554 Flint, MI $540 $640 $820 $1,030 $1,110
48746 Flint, MI $540 $640 $810 $1,020 $1,100

2022 Average & Median Rent Data Statistics
FLINT, MI average 1BR rent: $700, median: $640
FLINT, MI average 2BR rent: $894, median: $820
FLINT, MI average 3BR rent: $1,135, median: $1,045

FLINT, MI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 4,940 $961,900,000 $194,717
Cash Out Refi 1,908 $299,230,000 $156,829
Refi 1,037 $231,515,000 $223,255
Other 990 $67,430,000 $68,111
Home Improvement 980 $72,350,000 $73,827
NA 1 $105,000 $105,000

Flint's most frequently cited loan purpose was Home Purchase, with 4,940 originations. The 2nd most popular reason was Cash Out Refi, with 1,908 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 2,486 $413,760,000 $166,436
4-5% 2,237 $420,925,000 $188,165
3-4% 2,048 $342,120,000 $167,051
6-7% 1,379 $202,315,000 $146,711
7-8% 545 $61,345,000 $112,560
2.5-3% 459 $74,855,000 $163,083
Over 8% 433 $23,985,000 $55,393
<2.5% 168 $37,560,000 $223,571

During 2022, Flint's most frequently originated rate bucket was 5-6%, with 2,486 originations.

Loan Sizing (FLINT, MI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,760 $554,890,000 $147,577
$100,000 or less 3,637 $203,315,000 $55,902
$200k-400k 2,160 $570,390,000 $264,069
$400k-600k 205 $96,425,000 $470,366
$600k-1000k 55 $39,665,000 $721,182
$Over $1MM 39 $167,845,000 $4,303,718

FLINT's loan sizing saw the bucket of loans from $100k-200k with 3,760 originations, totaling $554,890,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 4,024 $785,860,000 $195,293
60-80% 2,310 $461,810,000 $199,918
Under 20% 1,075 $45,245,000 $42,088
20-40% 1,022 $81,890,000 $80,127
40-60% 1,020 $159,210,000 $156,088
Over 100% 65 $25,805,000 $397,000

FLINT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,024 originations, totaling $785,860,000 in origination value.